Winter chores for your wealth plan

July 16, 2018

Seasons of Wealth – Winter

A wintery economy brings chores and opportunities

We are surrounded by cycles, some fast, others so slow we never see a change in our lifetime, but they are there. Climate change, for example, has been happening for millennia – it is nothing new (pollution is though of course). Somehow, every time winter comes round, especially a nasty cold front, we are caught unawares – gas bottles empty, no beanies and only salad in the fridge. The markets also go through cycles, while less predictable in timing than the four seasons, they keep on happening. Right now, for us in the Emerging markets, the winds are decidedly cool and the returns flattening, soon to turn negative for the year-on-year if it keeps up this pace.  You can read the full blog Here; 


Wealth Ecology podcast, week 45 2016

November 6, 2016

It was a good week for the SA economy, even if that didn’t reflect on the stock exchange. The dropping of the charges against Gordhan instantly reflected in the exchange rate though – why the disparity? Stock exchanges are more inclined to move downward on political risk, and are slow to recover, not necessarily reacting to good news.... Full transcript available in a newsletter. Email me on to get on the mailing list. 


Wealth ecology weekly Podcast Week 44 2016

October 31, 2016

Pravin crossroads on Wednesday. Waiting on Trump and Hillary. Rand better but stock exchange not - why?


Wealth ecology Podcast, Week 43 2016

October 23, 2016

All the signs are toward tougher times but with better prospects on the horizon. Our economy is still heavily dependent on resource exports and this gradual recovery is good news - but should not be squandered. With flat returns from equities, fees are coming under the spotlight. 


The Myth of Passive Income

October 17, 2016

Everyone clamours after passive income. The thought of having money flow into your account, day and night with no effort, is intoxicating. Thousands of bestsellers have been written about it, but don’t be fooled, it is also very hard to do properly or quickly. In one way or another, most of us trade our time for money. You can read the full blog HERE


Wealth Ecology, Week 42 2016

October 16, 2016

Once again, just as the Rand looks set to improve, the Hawks fly in and much it all up again. The All Share also took a knock. The USA is preoccupied with their elections but as soon as the results are announced, irrespective of which candidate wins, the volatility in the market is likely to increase. 


Wealth ecology weekly Podcast - Week 39 2016

September 26, 2016

The Rand continues to look good, but markets drifting lower. No interest increase for now, or perhaps for the rest of the year. If you want to get the newsletter contact me on


The Wealth Equation Part 3

September 22, 2016

In this, the final part of the wealth equation podcast series I will be talking about wealth itself. The stuff that is left over after you have consumed you income. You can read the original blog HERE  


Wealth Ecology Newsletter, Week 38 2016

September 18, 2016

Week 38 economy, RSA, in a nutshell. You can contact me on if you want any more information or the resources mentioned in the podcast. 


Wealth equation part 2 - Consumption

September 14, 2016

Wealth is what is left after you have consumed your income. This podcast looks at the consumption variable and how it can impact on your wealth. The original blog can be viewed at