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	<title>Insurance Fundi &#187; Investment</title>
	<atom:link href="http://www.insurancefundi.co.za/category/investment/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.insurancefundi.co.za</link>
	<description>Because everyone has something to lose</description>
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		<title>How Much Is Left Of Your Pension Once The Taxman Takes His Cut At Retirement?</title>
		<link>http://www.insurancefundi.co.za/pension-tax-retirement</link>
		<comments>http://www.insurancefundi.co.za/pension-tax-retirement#comments</comments>
		<pubDate>Thu, 22 Mar 2012 09:01:38 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Retirement lumpsum]]></category>
		<category><![CDATA[Tax]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7888</guid>
		<description><![CDATA[Paul is retiring this year…
He approached us with the following financial planning dilemma:

Should he take the full one third allowed to him in cash and pay the tax (if any), or
Should he take only the tax-free portion of the one third he is allowed?

To answer this question, let&#8217;s take a [...]
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<li><a href='http://www.insurancefundi.co.za/resignation-options-part-one' rel='bookmark' title='What Should I Do With My Pension Or Provident Fund When I Resign?'>What Should I Do With My Pension Or Provident Fund When I Resign?</a></li>
<li><a href='http://www.insurancefundi.co.za/resignation-options-part-two' rel='bookmark' title='What Should I Do With My Pension Or Provident Fund When I Resign &#8211; Part Two'>What Should I Do With My Pension Or Provident Fund When I Resign &#8211; Part Two</a></li>
</ol>]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Does It Ever Make Sense For You To Own An Endowment Policy?</title>
		<link>http://www.insurancefundi.co.za/endowment</link>
		<comments>http://www.insurancefundi.co.za/endowment#comments</comments>
		<pubDate>Mon, 13 Feb 2012 05:00:35 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Endowment]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7693</guid>
		<description><![CDATA[
You might not know this but we write articles for other newsletters as well. Below is an article I wrote about endowment investment policies which I thought was too good to not publish on our own InsuranceFundi site. Why do I think it&#8217;s great? Simply because it explains why certain [...]
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<li><a href='http://www.insurancefundi.co.za/vitalitydrive-couples' rel='bookmark' title='Discovery Insure | Here’s Why VitalityDrive Makes Sense For Couples'>Discovery Insure | Here’s Why VitalityDrive Makes Sense For Couples</a></li>
<li><a href='http://www.insurancefundi.co.za/make-money/' rel='bookmark' title='How On Earth Do Insurance Companies Make Money?'>How On Earth Do Insurance Companies Make Money?</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Last Person On Earth You Want To Lend Money From</title>
		<link>http://www.insurancefundi.co.za/reserve-bank</link>
		<comments>http://www.insurancefundi.co.za/reserve-bank#comments</comments>
		<pubDate>Wed, 08 Feb 2012 19:42:27 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Prime rate]]></category>
		<category><![CDATA[Repo rate]]></category>
		<category><![CDATA[Reserve Bank]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7655</guid>
		<description><![CDATA[
So you’re down to your last couple of cents for the month.
The banks don&#8217;t want to lend you a dime because you owe them too much. Your family also wants to know nothing about your problems. You&#8217;ve cashed in your last investment.
So what&#8217;s a person to do when he or [...]
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<li><a href='http://www.insurancefundi.co.za/make-money/' rel='bookmark' title='How On Earth Do Insurance Companies Make Money?'>How On Earth Do Insurance Companies Make Money?</a></li>
<li><a href='http://www.insurancefundi.co.za/money-insurance/' rel='bookmark' title='Money Insurance'>Money Insurance</a></li>
<li><a href='http://www.insurancefundi.co.za/keyperson-how-it-works' rel='bookmark' title='Key Person Insurance | How Does Key Person Insurance Work?'>Key Person Insurance | How Does Key Person Insurance Work?</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Does The Business Cycle Affect Your Investments</title>
		<link>http://www.insurancefundi.co.za/business-cycle-investments/</link>
		<comments>http://www.insurancefundi.co.za/business-cycle-investments/#comments</comments>
		<pubDate>Sat, 28 Jan 2012 22:00:32 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[business cycle]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7237</guid>
		<description><![CDATA[
The vast majority of investors always seem to get the signs wrong when it comes to the timing of investments. In this article we’re going to look at the business cycle and identify some of the more common mistakes made by investors.
At the start of the business cycle
In this phase, [...]
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<li><a href='http://www.insurancefundi.co.za/allan-gray-conservative' rel='bookmark' title='Allan Gray Investment | Is Allan Gray Too Conservative?'>Allan Gray Investment | Is Allan Gray Too Conservative?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.insurancefundi.co.za/business-cycle-investments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Does The Business Cycle Work?</title>
		<link>http://www.insurancefundi.co.za/business-cycle/</link>
		<comments>http://www.insurancefundi.co.za/business-cycle/#comments</comments>
		<pubDate>Sat, 21 Jan 2012 22:00:30 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[business cycle]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7211</guid>
		<description><![CDATA[
It&#8217;s always a good thing to know that our economy &#8211; and investment &#8211; works in a cycle. If we were to look back over the past hundred years or so, we would see that our standard of living has increased dramatically. I mean, who would have thought 100 years [...]
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<li><a href='http://www.insurancefundi.co.za/compound-interest/' rel='bookmark' title='The Reason Why Compound Interest Doesn&#8217;t Work'>The Reason Why Compound Interest Doesn&#8217;t Work</a></li>
<li><a href='http://www.insurancefundi.co.za/should-i-open-a-business-as-a-sole-proprietor/' rel='bookmark' title='Should I Open A Business As A Sole Proprietor?'>Should I Open A Business As A Sole Proprietor?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.insurancefundi.co.za/business-cycle/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Does The Economy Work?</title>
		<link>http://www.insurancefundi.co.za/how-economy-works/</link>
		<comments>http://www.insurancefundi.co.za/how-economy-works/#comments</comments>
		<pubDate>Sat, 14 Jan 2012 22:00:28 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[investments]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7186</guid>
		<description><![CDATA[
You might be wondering why an article on the economy when I&#8217;m supposed to be writing about insurance and investments? Don&#8217;t worry, it all ties in together at the end!
So onward with today&#8217;s article&#8230;
I don&#8217;t know about you, but I often wish for a much simpler lifestyle…
Nothing would give me [...]
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<li><a href='http://www.insurancefundi.co.za/compound-interest/' rel='bookmark' title='The Reason Why Compound Interest Doesn&#8217;t Work'>The Reason Why Compound Interest Doesn&#8217;t Work</a></li>
<li><a href='http://www.insurancefundi.co.za/a-wimpy-burger-life-insurance/' rel='bookmark' title='A Wimpy Burger &amp; Life Insurance?'>A Wimpy Burger &#038; Life Insurance?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.insurancefundi.co.za/how-economy-works/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Financial Planning&#124; We Are Drowning In Debt!</title>
		<link>http://www.insurancefundi.co.za/financial-planning-debt-crisis+</link>
		<comments>http://www.insurancefundi.co.za/financial-planning-debt-crisis+#comments</comments>
		<pubDate>Tue, 22 Nov 2011 11:54:01 +0000</pubDate>
		<dc:creator>Brendan</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=6860</guid>
		<description><![CDATA[
I was paging through the Allan Gray Quarterly report last night and I stumbled onto a really great article. It was called Money for everyone by Jacques Plaut. This is what I found so very interesting. WE ARE DROWNING IN DEBT! I knew it was bad, but didn’t quite understand [...]
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<li><a href='http://www.insurancefundi.co.za/financialplanningbasics-2/' rel='bookmark' title='What is financial planning?'>What is financial planning?</a></li>
</ol>]]></description>
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		</item>
		<item>
		<title>Allan Gray &#124; Let’s Compare It To Someone In The Vacuum Cleaner Game&#8230;</title>
		<link>http://www.insurancefundi.co.za/allangray-roadshow-2011</link>
		<comments>http://www.insurancefundi.co.za/allangray-roadshow-2011#comments</comments>
		<pubDate>Wed, 02 Nov 2011 20:41:40 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Allan Gray]]></category>
		<category><![CDATA[investments]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=6708</guid>
		<description><![CDATA[So I attended the bi-annual Allan Gray investment road show on Tuesday and I’d like to share some of the nuggets with you…
Here&#8217;s the first nugget which I found educational!
GDP growth is conversely related to share market growth in a country
Huh?
Andrew Lapping of Allan Gray informed us that South African [...]
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</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Allan Gray Investment &#124; Is Allan Gray Too Conservative?</title>
		<link>http://www.insurancefundi.co.za/allan-gray-conservative</link>
		<comments>http://www.insurancefundi.co.za/allan-gray-conservative#comments</comments>
		<pubDate>Tue, 09 Aug 2011 14:08:40 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Allan Gray]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=6180</guid>
		<description><![CDATA[
“Oh ye of little faith!”

Now if you’re a believer you might be wondering why I’m mentioning that verse. Truth be told, this verse can also be applied to the world of investing and investments!
For the past two years Allan Gray has been warning of the fact that the South African [...]
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<li><a href='http://www.insurancefundi.co.za/living-annuity-asset-allocation' rel='bookmark' title='Investment | How To Not Outlive Your Living Annuity'>Investment | How To Not Outlive Your Living Annuity</a></li>
<li><a href='http://www.insurancefundi.co.za/ordinary-preference-shares' rel='bookmark' title='Investments For Beginners | Should I Buy Ordinary Or Preference Shares?'>Investments For Beginners | Should I Buy Ordinary Or Preference Shares?</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investment &#124; How To Not Outlive Your Living Annuity</title>
		<link>http://www.insurancefundi.co.za/living-annuity-asset-allocation</link>
		<comments>http://www.insurancefundi.co.za/living-annuity-asset-allocation#comments</comments>
		<pubDate>Mon, 09 May 2011 12:21:51 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
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		<category><![CDATA[Allan Gray]]></category>
		<category><![CDATA[investments]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=5251</guid>
		<description><![CDATA[
I’ve just read a very interesting article entitled &#8220;Living annuities for life&#8221; written by Richard Carter of Allan Gray (Dated 21 April 2011 on the Allan Gray website) which I thought I’d share with you.
The article is all about living annuities…specifically about maintaining your income level over the course of [...]
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<li><a href='http://www.insurancefundi.co.za/investment-asset-allocation' rel='bookmark' title='So what&#8217;s the deal with asset allocation?'>So what&#8217;s the deal with asset allocation?</a></li>
</ol>]]></description>
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		</item>
		<item>
		<title>Investments For Beginners &#124; Should I Buy Ordinary Or Preference Shares?</title>
		<link>http://www.insurancefundi.co.za/ordinary-preference-shares</link>
		<comments>http://www.insurancefundi.co.za/ordinary-preference-shares#comments</comments>
		<pubDate>Mon, 18 Apr 2011 10:10:21 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=4886</guid>
		<description><![CDATA[
If I had to offer you the choice of investing in an ordinary share of, let’s say for arguments sake Sasol, or a preference share which would you choose?
Do you reckon that both shares carry the same amount of risk as well as return?
Well, let’s find out…

What’s an ordinary share [...]
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</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>So what&#8217;s the deal with asset allocation?</title>
		<link>http://www.insurancefundi.co.za/investment-asset-allocation</link>
		<comments>http://www.insurancefundi.co.za/investment-asset-allocation#comments</comments>
		<pubDate>Wed, 26 Jan 2011 04:49:49 +0000</pubDate>
		<dc:creator>Brendan</dc:creator>
				<category><![CDATA[All Posts]]></category>
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		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=3556</guid>
		<description><![CDATA[
Life is all about risk and reward. Take starting your own business as a prime example. If you take a gap and put everything on the line, you stand to win (just like Vuyo and his world class wors in that cool Hansa advert…Darn it, I really feel like a [...]
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<li><a href='http://www.insurancefundi.co.za/allangray-roadshow-2011' rel='bookmark' title='Allan Gray | Let’s Compare It To Someone In The Vacuum Cleaner Game&#8230;'>Allan Gray | Let’s Compare It To Someone In The Vacuum Cleaner Game&#8230;</a></li>
</ol>]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What Do Houses, Surfers, And The Stockmarket Have In Common?</title>
		<link>http://www.insurancefundi.co.za/houses-surfers-stockmarkets/</link>
		<comments>http://www.insurancefundi.co.za/houses-surfers-stockmarkets/#comments</comments>
		<pubDate>Wed, 12 May 2010 13:38:23 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
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		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=2003</guid>
		<description><![CDATA[

Yip, I’m taking about those dudes who get &#8216;paid&#8217; to lie around on the beach all day long, smoke a little weed, pick up all the hot women, and get a great tan… oh, pardon me, did I forget to mention…they also surf!
And before all the surfers out there get [...]
No related posts.]]></description>
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		</item>
		<item>
		<title>The Reason Why Compound Interest Doesn&#8217;t Work</title>
		<link>http://www.insurancefundi.co.za/compound-interest/</link>
		<comments>http://www.insurancefundi.co.za/compound-interest/#comments</comments>
		<pubDate>Fri, 09 Apr 2010 06:51:08 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
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		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=1836</guid>
		<description><![CDATA[“Lawrence, explain this to me… I’ve been investing R500 each and every month for the past five years…and now you’re telling me that my investment is worth less than what I’ve paid in? I may as well have left it in my bank account!”
I’ve heard these same words so many [...]
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		<item>
		<title>If you buy a ticket, expect a helluva ride!</title>
		<link>http://www.insurancefundi.co.za/equityinvestments/</link>
		<comments>http://www.insurancefundi.co.za/equityinvestments/#comments</comments>
		<pubDate>Sat, 27 Feb 2010 09:14:13 +0000</pubDate>
		<dc:creator>Brendan</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=1391</guid>
		<description><![CDATA[Do you have the stomach for the equity market investment ride?
How many eighty something’s have you seen strapped into the &#8220;Big Bender&#8221; roller coaster at GoldReef City’s entertainment centre? Not many, if any. I mean can you picture it. The rollercoaster plummeting towards the earth at 100km per hour, dentures rattling [...]
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