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Nội dung được cung cấp bởi Kaya 959. Tất cả nội dung podcast bao gồm các tập, đồ họa và mô tả podcast đều được Kaya 959 hoặc đối tác nền tảng podcast của họ tải lên và cung cấp trực tiếp. Nếu bạn cho rằng ai đó đang sử dụng tác phẩm có bản quyền của bạn mà không có sự cho phép của bạn, bạn có thể làm theo quy trình được nêu ở đây https://vi.player.fm/legal.
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Squid Game: The Official Podcast
Squid Game is back, and so is Player 456. In the gripping Season 2 premiere, Player 456 returns with a vengeance, leading a covert manhunt for the Recruiter. Hosts Phil Yu and Kiera Please dive into Gi-hun’s transformation from victim to vigilante, the Recruiter’s twisted philosophy on fairness, and the dark experiments that continue to haunt the Squid Game. Plus, we touch on the new characters, the enduring trauma of old ones, and Phil and Kiera go head-to-head in a game of Ddakjji. Finally, our resident mortician, Lauren Bowser is back to drop more truth bombs on all things death. SPOILER ALERT! Make sure you watch Squid Game Season 2 Episode 1 before listening on. Let the new games begin! IG - @SquidGameNetflix X (f.k.a. Twitter) - @SquidGame Check out more from Phil Yu @angryasianman , Kiera Please @kieraplease and Lauren Bowser @thebitchinmortician on IG Listen to more from Netflix Podcasts . Squid Game: The Official Podcast is produced by Netflix and The Mash-Up Americans.…
ALLAN GRAY FEATURE – Unpacking the impact of accessing the two-pot savings withdrawal benefit
Manage episode 424755364 series 3581044
Nội dung được cung cấp bởi Kaya 959. Tất cả nội dung podcast bao gồm các tập, đồ họa và mô tả podcast đều được Kaya 959 hoặc đối tác nền tảng podcast của họ tải lên và cung cấp trực tiếp. Nếu bạn cho rằng ai đó đang sử dụng tác phẩm có bản quyền của bạn mà không có sự cho phép của bạn, bạn có thể làm theo quy trình được nêu ở đây https://vi.player.fm/legal.
In six months’ time, the proposed “two-pot” retirement system is set to launch in South Africa, and with it, retirement savers will be able to access a portion of their savings ahead of retirement. Resisting the temptation to dip our hands into the proverbial cookie jar may prove challenging for many, but understanding the short- and long-term impact of accessing the savings withdrawal benefit may help you think twice.
Jaya Leibowitz, senior legal adviser at Allan Gray, joins Kaya Bizz to discuss the implications of not preserving the savings component of your retirement pot and the questions to consider before accessing your long-term savings. Kaya 959
…
continue reading
Jaya Leibowitz, senior legal adviser at Allan Gray, joins Kaya Bizz to discuss the implications of not preserving the savings component of your retirement pot and the questions to consider before accessing your long-term savings. Kaya 959
76 tập
Manage episode 424755364 series 3581044
Nội dung được cung cấp bởi Kaya 959. Tất cả nội dung podcast bao gồm các tập, đồ họa và mô tả podcast đều được Kaya 959 hoặc đối tác nền tảng podcast của họ tải lên và cung cấp trực tiếp. Nếu bạn cho rằng ai đó đang sử dụng tác phẩm có bản quyền của bạn mà không có sự cho phép của bạn, bạn có thể làm theo quy trình được nêu ở đây https://vi.player.fm/legal.
In six months’ time, the proposed “two-pot” retirement system is set to launch in South Africa, and with it, retirement savers will be able to access a portion of their savings ahead of retirement. Resisting the temptation to dip our hands into the proverbial cookie jar may prove challenging for many, but understanding the short- and long-term impact of accessing the savings withdrawal benefit may help you think twice.
Jaya Leibowitz, senior legal adviser at Allan Gray, joins Kaya Bizz to discuss the implications of not preserving the savings component of your retirement pot and the questions to consider before accessing your long-term savings. Kaya 959
…
continue reading
Jaya Leibowitz, senior legal adviser at Allan Gray, joins Kaya Bizz to discuss the implications of not preserving the savings component of your retirement pot and the questions to consider before accessing your long-term savings. Kaya 959
76 tập
Tất cả các tập
×1 ALLAN GRAY – Lessons for investing in uncertain times 9:21
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9:21GUEST - Tim Acker - Portfolio manager at Allan Gray With 2024 being an election year for almost half the world’s population, including South Africa, the US and the UK, many investors are worried about what the future holds and how it will affect their wealth. But the times we live in will always be uncertain and the trick is to remember many of the behavioural biases that erode wealth during periods of heightened risk. In times like these, we can improve our long-term investment outcomes by focusing our efforts on the things that stay the same, rather than the variables that are out of our control. Tim Acker, portfolio manager at Allan Gray, joins Kaya Biz to discuss lessons for investing through overwhelming uncertainty. Kaya 959…
1 ALLAN GRAY - How excess retirement fund contributions can benefit you throughout your lifetime 8:43
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8:43GUEST - Meagan Fraser, Tax manager at Allan Gray One of the key benefits of investing for retirement using a retirement fund is the generous tax deduction taxpayers receive for saving towards their retirement. But is there any benefit in contributing beyond the maximum annual tax-deductible amount to a retirement fund? Meagan Fraser, tax manager at Allan Gray, joins Kaya Biz to unpack the tax benefits of retirement annuities and explains the pre- and post-retirement benefits of making excess contributions to your retirement fund savings. Kaya 959…
1 ALLAN GRAY – How to achieve a sustainable retirement income 15:35
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15:35GUEST – Richard Carter - Head of Assurance at Allan Gray According to industry stats, the average South African retiree can replace just 31% of their monthly income when they reach retirement. Most income-earners face the very real risk of outliving their retirement nest egg. Richard Carter, head of Assurance at Allan Gray, joins Kaya Bizz to discuss how to plan for and achieve a sustainable retirement income. Kaya 959…
1 ALLAN GRAY: How staying the course gives you the long-term edge 11:20
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11:20GUEST - Mthobisi Mthimkhulu - Direct Clients manager at Allan Gray In a world where instant gratification is king, it can be hard not to get distracted by the lure of short-term gains. But taking a long-term view of your investments and staying the course can give you the edge to achieve better investment returns over time. Kaya 959…
1 ALLAN GRAY – How to maximise your tax benefits this February 10:11
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10:11The end of the tax year in February presents an opportunity to evaluate the tax efficiency of your financial plan. With many competing financial priorities in the current economic climate, as well as the pending changes to the retirement fund system, you may be wondering whether maximising the annual tax incentives still makes sense. Discussion points: Why is it important to think about tax when you consider your financial plan? What are the tax benefits of saving for retirement using a retirement annuity? How do these compare to the tax benefits of investing in a tax-free investment product? What happens if we “overcontribute” towards our retirement savings in a year? How can we benefit from excess contributions? What practical things can we do to get our tax affairs in order? For Allan Gray clients, what are the cut-off dates for this tax year’s contributions? Lastly, the million-dollar question, what can we expect from the 2024 Budget speech? Kaya 959…
1 ALLAN GRAY FEATURE - Investing for education in an inflationary environment 9:17
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9:17GUEST – Shaheed Mohamed, Head of Group Savings and Investments at Allan Gray School fee increases in South Africa have, on average, been roughly 2.6% above inflation every year since 2012, aside from 2021. In an environment of already high consumer inflation, this packs an extra punch. Many of us rely purely on our salaries to pay for our children’s education. We absorb the cost from month to month, tweaking our budgets to accommodate the ever-increasing expense. But the problem with this is that the cost of education typically grows at a higher rate than the average salary and inflation in general. Over time, this difference effectively means that a greater portion of your salary will have to be set aside for your children’s education. Shaheed Mohamed, head of Group Savings and Investments at Allan Gray, joins Kaya Biz to discuss the five factors to consider when investing to enable you to provide your children with a good quality education in the future. Kaya 959…
1 ALLAN GRAY: How to set SMART New Year’s money resolutions 9:37
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9:37GUEST – Marise Bester, senior investment specialist at Allan Gray The first few weeks of a new year can feel like a clean slate and a good time to give our finances a fresh start. Research suggests that we are most motivated to achieve the goals we set when we action them at the start of a new period. Marise Bester, senior investment specialist at Allan Gray joins Kaya Bizz to discuss how to set achievable financial goals and shares tips for setting quarterly goals that encourage good financial habits. Kaya 959…
1 ALLAN GRAY – How to select an investment manager 12:27
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12:27GUEST – Nomi Bodlani - Head of Direct Clients at Allan Gray Past performance is often the first and sometimes the only factor investors evaluate when choosing an investment manager. But as the disclaimer goes: ‘Past performance does not indicate future returns’. This is because there is simply no guarantee that performance can be replicated over the long term. Beyond performance, there are several other factors that work in tandem to produce investment returns that shouldn’t be overlooked. Nomi Bodlani, head of Direct Clients at Allan Gray, joins Kaya Biz to discuss the factors investors should consider when selecting an investment manager Kaya 959…
1 ALLAN GRAY – How to tame temptation and resist the urge to splurge 8:56
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8:56GUEST – Gladness Rupare – Investment specialist at Allan Gray The season of “irresistible” specials has officially kicked off and the temptation to overspend lies around just about every corner. In the hive of festive activity and faced with ‘deals that are too good to resist’, it’s easy to forget your financial goals and spend more than you planned. Practicing self-control and harnessing the willpower to subdue our impulses to spend are key to achieving our long-term savings and investment goals. Gladness Rupare, investment specialist at Allan Gray, joins Kaya Bizz to discuss how you can tame your festive season spending and keep your savings goals on track. Kaya 959…
1 ALLAN GRAY FEATURE – How to recalibrate your finances in an inflationary environment 14:39
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14:39GUEST – Lise-Mari Crafford, head of ManCo Distribution at Allan Gray In any period of change, like the current high inflationary environment escalating living costs across the board, we are forced to make adjustments to our finances. Not all adjustments are necessarily negative ones, and they can be leveraged to form new, positive habits that can help us achieve better financial planning outcomes over the long term. Lise-Mari Crafford, head of ManCo Distribution at Allan Gray, joins Kaya Bizz to discuss some of the positive changes you can apply right now to recalibrate your personal finances. Kaya 959…
1 ALLAN GRAY: 25 years of lessons for equity investors 11:25
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11:25GUEST - Tamryn Lamb, head of Retail at Allan Gray This year, as Allan Gray celebrates 50 years of long-term investing, its first unit trust, the Allan Gray Equity Fund celebrates its 25th anniversary. When the fund launched 25 years ago, Nelson Mandela was the president, financial markets faced a liquidity crisis after Russia unexpectedly defaulted on its foreign debt, the prime interest lending rate was 21.5%, a dollar cost R5.50 and it cost R126 to fill a 50-litre petrol tank. Though things have changed significantly since, the reality is that the year doesn’t stand out. At any given point in time, investors in equity markets have to contend with a range of challenges and market uncertainty, and weigh up various probabilities to produce the best possible outcomes. Tamryn Lamb, head of Retail at Allan Gray, joins Kaya Biz to reflect on some of the learnings over the last 25 years and to share some of the behaviours that help equity investors achieve better long-term outcomes. Kaya 959…
1 ALLAN GRAY FEATURE– Challenges and opportunities with South Africa’s retirement fund system 12:02
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12:02GUEST – Richard Carter, Head of Assurance at Allan Gray While South Africa’s retirement fund system has consistently produced inferior outcomes for savers, it is also ranked among the bottom 10 systems in the world. Savings leakages and low private pension fund participation are noted as the weak links dragging the overall system ratings down. Through retirement reform interventions like the two-pot retirement system, the government hopes to change investors’ savings behaviour and improve retirement outcomes over the long term. Richard Carter, head of Assurance at Allan Gray, joins kaya Biz to discuss the challenges and opportunities with South Africa’s retirement fund system and what can be done to encourage higher savings rates among investors. Kaya 959…
1 ALLAN GRAY FEATURE – Investing in frontier markets 12:20
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12:20GUEST – Varshan Maharaj - Portfolio manager at Allan Gray One of the benefits that frontier markets offer South African investors is exposure to sectors that might not be available on the domestic stock market. Frontier markets can provide long-term investors with an exciting hunting ground for investment ideas, but being able to weigh-up the risks in these environments, is key to success. Allan Gray portfolio manager Varshan Maharaj joins Kaya Biz to unpack the frontier universe and discuss some of the pockets of opportunity for local investors looking to access sectors and companies that aren’t available on the JSE. Kaya 959…
1 ALLAN GRAY FEATURE – Unpacking the impact of accessing the two-pot savings withdrawal benefit 9:37
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9:37In six months’ time, the proposed “two-pot” retirement system is set to launch in South Africa, and with it, retirement savers will be able to access a portion of their savings ahead of retirement. Resisting the temptation to dip our hands into the proverbial cookie jar may prove challenging for many, but understanding the short- and long-term impact of accessing the savings withdrawal benefit may help you think twice. Jaya Leibowitz, senior legal adviser at Allan Gray, joins Kaya Bizz to discuss the implications of not preserving the savings component of your retirement pot and the questions to consider before accessing your long-term savings. Kaya 959…
1 ALLAN GRAY – Key questions to help you prepare for a secure retirement 10:39
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10:39ALLAN GRAY – Key questions to help you prepare for a secure retirement GUEST - Mica Townsend - specialist in the Group Savings and Investments team at Allan Gray, While our personal circumstances may differ, as retirement savers, we share one common goal – to have saved enough to ensure that the income we receive in retirement is sustainable for life and keeps pace with inflation. The reality, however, is that less than 10% of South Africans can afford to retirement comfortably. As life expectancy rates continue to climb, it is even more critical to adequately plan for your retirement. There are several important questions to consider, both in the lead-up to and at retirement, which will influence whether you are able to retire comfortably. Mica Townsend, specialist in the Group Savings and Investments team at Allan Gray, joins Kaya Bizz to discuss key questions to consider to plan for a secure retirement. Kaya 959…
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Allan Gray Kaya Biz
GUEST – Radhesen Naidoo - Joint head of Institutional Clients at Allan Gray In tennis, a match may last for two to three hours, and a tournament lasts for two weeks, but a career, multiple years. To play exceptionally well consistently is difficult. Similarly, many investment managers may achieve stellar investment returns over one quarter or a year, but over decades and through different market cycles, outperformance becomes challenging. An interesting aspect about professional sport is the margins by which you win. Being marginally better can translate into substantial advantages. In the world of long-term investing, every 1% return matters a great deal to your investment outcomes over time. Radhesen Naidoo, Joint head of Institutional Clients at Allan Gray, joins Kaya Biz to discuss why a difference of 1% is so meaningful to long-term investing success. Kaya 959…
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Allan Gray Kaya Biz
1 ALLAN GRAY FEATURE - The behavioural gap: What is the cost of responding to your emotions in investing? 14:15
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14:15GUEST – Saleem Sonday, head of Retail Distribution at Allan Gray When emotions get in the way of investing, it can lead to a shortfall in the returns an investor can earn. This is an example of how behaviour can get in the way of investors reaching their long-term investment goals. Another example is attempting to time the market by switching between funds at the wrong time. This is particularly prevalent during times of uncertainty, like we are currently experiencing, when the temptation to move to safety is heightened. But this can erode returns. Kaya 959…
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Allan Gray Kaya Biz
1 ALLAN GRAY FEATURE - Three golden rules for long-term savings and investing success 13:58
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13:58GUEST – Earl Van Zyl - Head of Retail Product Development at Allan Gray Achieving long-term investment success is simple… But not easy. It demands unwavering determination to stick to your investment strategy and stay committed, even during turbulent times. This is the view of Earl Van Zyl, head of Retail Product Development at Allan Gray, who says that investing for real returns should be top of mind for all long-term investors, throughout their investing journey. But what does this mean? Earl discusses his three golden rules. Kaya 959…
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1 ALLAN GRAY - Are you ready for the 2023 tax-filing season? 11:42
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11:42GUEST – Meagan Fraser, tax specialist at Allan Gray The income tax season is officially open. As a taxpayer, understanding what your filing obligations are is crucial to ensuring that you remain tax compliant. During this tax season, the South African Revenue Service is once again making use of the auto-assessment process, but a few things have changed. Meagan Fraser, tax specialist at Allan Gray, joins Kaya Biz to discuss everything you need to know about filing an income tax return this year Kaya 959…
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Allan Gray Kaya Biz
1 ALLAN GRAY FEATURE– Are you making the most out of your tax-free investments? 19:57
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19:57GUEST – Mthobisi Mthimkhulu, Direct Clients manager at Allan Gray As long-term investors, we often say that there is no such thing as a free lunch: Performance is seldom delivered in a straight line, get-rich-quick schemes usually end in disappointment, and building long-term wealth takes time. This means that long-term investors must exercise patience, have conviction in their investment strategies, and apply a consistent approach in order to meet their investment objectives. This is also true of tax-free investment (TFI) products: The real benefits are derived over longer periods of time. Mthobisi Mthimkhulu, Direct Clients manager at Allan Gray, joins Kaya Biz to discuss tax-free investment accounts and how to maximise the benefits they offer. Kaya 959…
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Allan Gray Kaya Biz
1 Personal finance lessons for your 20s and beyond 10:45
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10:45GUEST – Nomi Bodlani, head of Direct Clients at Allan Gray In the world of investing, like so many facets of life, the decisions you make today will impact your financial wellbeing in the long term – for better or worse. The secret to successful investing lies in your ability to make well-informed decisions and to stay committed long enough to reap the rewards. Nomi Bodlani, head of Direct Clients at Allan Gray, joins Kaya Biz to discuss financial principles to master at the start of your investment journey that can help set you up for financial success in the future. Kaya 959…
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1 Dispelling umbrella fund fears for employers 8:55
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8:55GUEST – Mica Townsend, specialist in the Group Savings and Investments team at Allan Gray There has been a drive from single employer standalone funds to multi-employer umbrella funds, with the number of standalone funds dropping significantly from 774 in 2015 to 398 in 2022. The shift has largely been driven by the authorities to encourage consolidation within the industry to reduce costs and improve the service offering, as well as by employers to simplify the regulatory burdens of operating a retirement fund. Below we dispel some of the fears employers may have in moving to an umbrella fund. Kaya 959…
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Allan Gray Kaya Biz
1 ALLAN GRAY FEATURE – Equities matter – even for the cautious investor 12:27
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12:27GUEST – Marise Bester - Investment specialist at Allan Gray While equity markets are volatile and can underperform cash and bonds over shorter periods, over the long term, investors are compensated for this volatility with substantially higher returns. Equities play an important role in any multi-asset class portfolio – including those of risk-averse investors who seek long-term real growth, but also need to protect the purchasing power of their investment. But how much equity exposure is enough, and how can investors balance the risk-return aspect of their portfolios? A low-equity unit trust can offer a solution. Marise Bester, investment specialist at Allan Gray, joins Kaya Biz to discuss why a low-equity unit trust like a stable fund can offer a solution for the cautious investor. Kaya 959…
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Allan Gray Kaya Biz
1 How can investors position their portfolios to benefit from the higher inflationary environment? 10:31
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10:31GUEST – Tim Acker, portfolio manager at Allan Gray Summary: As inflation in developed markets remains at elevated levels, interest rate increases have become a pressing issue. There is much debate on whether higher rates will lead to a slowdown significant enough to tip the global economy into recession. Either way, the repricing of risk and liquidity will eventually find its way into the real economy. Against this, how should equity investors consider positioning their portfolios to benefit from the current environment? Tim Acker, portfolio manager at Allan Gray, joins Kaya Biz to discuss the global risks that currently exist and why local opportunities are more attractive at present. Kaya 959…
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Allan Gray Kaya Biz
1 ALLAN GRAY FEATURE – Rate hike improves South Africa’s attractiveness for investors 13:54
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13:54GUEST – Thalia Petousis - Portfolio manager at Allan Gray The South African money market is fast becoming a saver’s haven. The overnight repo rate of 7.75% as at end-March reached its highest level in almost 14 years. The extent to which the South African Reserve Bank will keep hiking interest rates will depend on how confident it is that consumer price inflation is moving closer to the 4.5% target. As the impact of loadshedding bleeds into an elevated cost of production and wreaks havoc on food retailers’ business operations, the rate at which food inflation is rising is cause for concern. Kaya 959…
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Allan Gray Kaya Biz
1 ALLAN GRAY – How to plan for an emergency fund in 2023 14:19
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14:19GUEST – Gladness Rupare - Investment specialist at Allan Gray The New York Times recently reported that a growing number of workers are getting access to a new job benefit: help with saving for unexpected expenses. The financial stress on workers brought about by both the pandemic and rising inflation, as well as employers’ need to attract employees in a competitive job market, is making rainy-day savings a hot job perk, with companies like Starbucks announcing emergency savings options for workers. But if you don’t have access to such a perk, what is the best way to plan for an emergency fund? How much should you set aside, and how can you ensure your money grows in a high inflationary environment? Kaya 959…
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Allan Gray Kaya Biz
1 ALLAN GRAY – How to pave the way for better investment decisions 7:15
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7:15GUEST – Nomi Bodlani, Head of Direct Clients at Allan Gray When it comes to investing, most of us have good intentions, but the temptation to overspend often holds us back from achieving our financial goals. Understanding your environment and how it shapes your financial behaviour can help pave the way for making better decisions. Nomi Bodlani, head of Direct Clients at Allan Gray, joins Kaya Biz to discuss how our environment shapes our behaviour and shares tips to help investors pave the way for better decision-making. Kaya 959…
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Allan Gray Kaya Biz
1 ALLAN GRAY FEATURE - Post-Budget speech commentary | A Budget of tough trade-offs 12:32
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12:32UEST – Thalia Petousis, Portfolio manager at Allan Gray South Africa appears to have taken a step back from a threatening fiscal cliff, with Finance Minister Enoch Godongwana delivering a Budget speech that he described as one focused on making “tough trade-offs in the interests of the country’s short- and long-term prosperity” and not austerity. With the dust settling on the 2023 Budget Speech, Thalia Petousis, portfolio manager at Allan Gray, joins Kaya Bizz to discuss the highlights from the Budget speech and whether the projections laid out for the country’s long-term finances and economic outlook are credible and can be delivered on Kaya 959…
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Allan Gray Kaya Biz
1 Tax Tips As We Head Into The 2023 Tax Season 18:16
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18:16Carla Rossouw, Head of Tax at Allan Gray Tax efficiency is a key aspect of a healthy financial plan. By making sure your tax affairs are in order, considering the tax implications of your investment decisions and maximising the tax benefits on offer, you can improve your financial outcomes. With the end of the current tax year approaching at the end of February, now is the time to take advantage of the tax benefits provided for through retirement products and tax-free investments. Carla Rossouw, head of Tax at Allan Gray joins Kaya Bizz to share some practical tips. kaya 959 · Kaya 959…
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Allan Gray Kaya Biz
1 How Do I Overcome The Barriers To Investing? 13:39
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13:39Mthobisi Mthimkhulu - Private Clients manager at Allan Gray talks about How do I overcome the barriers to investing? Not sure how to save money? Follow these five easy steps. Investing is not a complicated activity only for rich people. It’s a great way to create financial security and everyone – even you – should get started, sooner rather than later. The hardest part is overcoming the initial barriers to saving. Our excuses are our biggest barriers to saving While it may be really tough to make space in an already-stretched budget, taking small steps to develop a saving habit, and a lifestyle of saving, will make a big difference to your future. One way to get started is with a spending detox. A detox is a process followed over a period of time to rid your body of toxins. Likewise a spending detox will help you rid yourself of extravagant spending habits. We eat a lot of unhealthy food that we don’t need. Similarly, we spend money wastefully. In our instant gratification culture we get a rush out of spending. The spending detox is about getting control back by reining in this unnecessary spending and breaking the habit of swiping your card willy-nilly. The good news is we are not talking cold turkey here; rather a gradual change in attitude to the way you spend. kaya 959 · Kaya 959…
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