According to the wise amongst us the only way to solve complex problems is by breaking them into smaller, more manageable chunks. Investing. The World Economy. Financial Markets. All of these are extremely complex environments wherein individuals have their own processes and magic formulae they use in order to derive the best possible outcome. Some [...]
Ternary Financial Services CC offers a full suite of services to individuals and corporate clients. Our clients and the industry do however know Ternary as investment advisors, and as such we feel the need to weigh in on the active versus passive debate. We are firmly in the corner of the active manager - but [...]
The simple task of choosing a Unit Trust to invest in has long been exactly the opposite. Very complicated. According to the latest Association for Savings and Investments South Africa (ASISA) stats for the period ending 31 March 2014, there are now a whopping 506 funds to choose from in the South African Multi Asset [...]
We have been warning our clients for some time now that the markets have delivered excellent returns and that we do not anticipate that these returns will be matched in future periods. These lower returns we believe will be necessary to bring equity valuations back to more sensible levels. The lower returns could manifest in [...]
You find yourself in the (lucky) position of sitting with an extra couple of Rands at the end of the month, and your mind starts to drift about what your options are. An age old questions which many individuals face is how to make the best use of your increased disposable income. If you happen [...]
It is a well documented habit in behavioural finance that investors experience loss more intensely than they experience gains. When investors experience a negative return over the short term they may act to protect themselves from further losses by switching to another fund which has performed better over the short term or alternatively switching to [...]
As 2013 draws to a close we would like to remind you why saving sooner is such an important principle to apply to your own life and to instil in those around you. The two important factors that we would like to highlight here are how soon you invest and in which assets you invest. [...]
If the above Telly Duck (From the hit game show Telly Fun Quiz) stirs some nostalgic strings in the deepest gullies of your cerebral cortex, odds are that you have lived to see at least one major market correction. With the South African stock market behaving the way it has over the last 5 years, [...]
A recent CNBC poll found that more Americans opposed ObamaCare than the Affordable Care Act. In addition more Americans supported Obamacare than the Affordable Care Act. This contradiction is further confusing when you consider that ObamaCare and the Affordable Care Act are one and the same Act. The reasons for these strange findings can [...]
On September 18th and 19th two announcements were made. Both the United States and South Africa’s monetary policy decision makers kept their respective interest rate levels unchanged. While these announcements were expected they do need to be highlighted and the expected direction of the interest rates discussed. Below the interest rate history since 2000 is [...]