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BRIDGING THE GAP

Personal advice and wealth management.

Investec Blog

5 Reasons to Have a Financial Plan Thumbnail

5 Reasons to Have a Financial Plan

Do you think a financial plan is just about investments? Our blog challenges that thinking, asserting that financial planning is built upon a foundation of what you care about most in life. Read our five reasons to have a financial plan.

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Be a Smart Credit Card Consumer

Often times, the decision as to which credit card to use is made with not a lot of research or foresight. This causes consumers to sign up for credit cards that do not fit their needs, incorrectly use their card, overspend, and worse, fall into a never-ending debt cycle.

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When Bad Things Happen to Good Investors Thumbnail

When Bad Things Happen to Good Investors

We don't know when the next bear market will hit. U.S. stocks are near all-time highs, but many investors are nervous. Tariff talk and threats make many nervous. There are signs growth in the global economy is slowing, business investment is declining, and consumers may begin to cut back. The economy tends to go in cycles.

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"Are You Sure One Kidney is Enough?" Thumbnail

"Are You Sure One Kidney is Enough?"

In the face of uncertainty in forecasting years into the future, many figure that more is always better. For many, trying to determine how much of a portfolio is "enough" is too imprecise, too subjective, too risky an exercise to quantify. At least that's conventional wisdom.

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Thoughts on Inflation – Part Two Thumbnail

Thoughts on Inflation – Part Two

Price increases for much of what you buy each month may be reflected in the official CPI, but don't assume that your budget will magically work each year based on increasing it by those numbers. You should use CPI as an initial estimate for much of what you buy. But "official" inflation and your own "personal" inflation may be quite different.

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Thoughts on Inflation – Part One Thumbnail

Thoughts on Inflation – Part One

Each month, the U.S. Bureau of Labor Statistics (BLS) releases lots of statistics about inflation. You might think the BLS simply prices a whole bunch of goods and services, compares the cost, and declares the price difference as the official rate of inflation... but you'd be wrong.

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Avoiding Financial Exploitation of Vulnerable Adults Thumbnail

Avoiding Financial Exploitation of Vulnerable Adults

You've heard the horror stories. Perhaps you know someone who's been impacted. You think you're prepared to avoid it--but you're fearful it might possibly happen to you. "It" is being exploited. Being taken advantage of. Or simply losing the capacity to make sensible financial decisions.

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It's a Balance Thumbnail

It's a Balance

Google “Millennial savings” or any variation of that and you’ll see polarizing headlines. One study says young people are clueless about financial markets, while another study touts us as financially shrewd. There are stories about how we save more than other generations, and just as many about how we haven’t saved a dime.

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Somehow, the World Will Go On Thumbnail

Somehow, the World Will Go On

Our new ease of access to information brings issues of the world into the spotlight and gives them a larger audience than may have been the case in the past. This is not to say people should be ignorant of current events, but before succumbing to fears generated by headlines, take the time to synthesize the information critically and form your own opinions on the matter.

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