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Appropriate long-term investments have yielded better returns than frenzied changes by ­stockbrokers trying to beat the market – and one another.

Chasing returns is for losers

Studies have shown that investors are paying a high price for switching between funds.

Most South Africans are not planning for retirement, with only 6% of the country’s population on track to retire comfortably.

How to lower the costs of retirement

Restructuring the way we save for retirement could halve our costs and a new model that changes preservation rules will dramatically reduce charges.

A Makro store

Retail resources in race for returns

Fund managers are divided over South African retail shares, which have outperformed resources by 20%.

Neglecting existing infrastructure generates higher long-term costs.

South Africa gets bond bonanza

Inclusion in Citigroup’s world government bond index has resulted in big fund inflows, writes Maya Fisher-French.

Glenn Silverman is trying to change the way investment decisions are made.

Managers invest in the environment

Hard-core capitalist brings R200-bn muscle power to the field of sustainability. Maya Fisher-French reports.

Today’s average 40-year-old is likely to have 30% less funds in retirement.

Time is eroding nest eggs

Weak returns, longevity and consumption could leave youngsters worse off than their forebears, writes Maya Fisher-French.

David McCarthy is on a three-year contract to the treasury to look at retirement reform.

Unearthing hidden pension costs

The treasury’s new adviser, David McCarthy, wants to counter threats to the retirement industry, writes Maya Fisher-French.

Make sure you have the right documents to hand when you want to open a bank account for your child.

Child savers are royally fica’d

Fica, a response to money laundering, is having a criminal effect on childrens’ products, writes Maya Fisher-French.

Writer Satyajit Das warns that money would be best invested in food

Dark days ahead, warns finance guru

A well-known author has warned of high-debt states solving their widening deficits through predation. Maya Fisher-French reports.

The Financial Planning Institute’s Godfrey Nti says it is time for decisive action.

All savings plans are not created equal

Reform is needed to simplify products for which the returns are barely worth the investment, writes Maya Fisher-French.

The treasury’s mooted compulsory preservation of retirement funds when changing jobs aims to address the fact that 10% of South Africans retire with sufficient income.

Treasury takes aim at savings costs

Compulsory fund preservation and simplifying products are among the options highlighted in the treasury’s discussion document.

Get them while they are young

Get them while they are young

The key to being financially savvy and literate has been revealed: Teach your children about money matters from an early age.

Bold bid to win a bigger slice

Bold bid to win a bigger slice

Bidvest Bank says its decision to cap fees at R72 a month does not signal a price war with the big four banks in South Africa.

Flexible policy bucks the trend

Flexible policy bucks the trend

A new product from BrightRock has allowed people to tailor their insurance cover to circumstances and lower premiums gradually over time.

New tax a ‘last-minute revenue grab’

New tax a ‘last-minute revenue grab’

Alarmed investors say the lack of warning and the quantum of the increase are shocking, writes <b>Maya Fisher-French</b>

Levelling the savings playing field

Tax increases on capital gains and dividends will hurt big savers, not middle-income earners.

Fuel levy hike to pay for e-tolling?

Fuel levy hike to pay for e-tolling?

Public finance expert slams the proposed fuel levy increase as "regressive" because it will hit the poorest of the poor.

Don’t smile, you’re being mugged

High taxes on investments has left taxpayers in a bad position.

Adroit ring-fencing addresses login security concerns

Banks are sceptical over personal financial management sites due to customers handing over their personal login details to third parties.

R120-billion clean power boom

R120-billion clean power boom

Bids will bring 3 750 megawatts of alternative energy on to the grid within the next three years at a total cost of R120-billion.