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PODCAST

The Fat Wallet Show from Just One Lap

The Fat Wallet Show is a show about questions. It"s about admitting that we don"t know everything, but that we"re willing to learn. Most of all, it"s about understanding as much as we can to make us all better investors. Phrases like, "I"m not sure" or, "Let me look that up and get back to you" or, "I don"t know" don"t exist in the financial services industry. If you ever had a financial question you were too embarrassed to ask, you know what we"re talking about. In this business, appearances

education investing

All Episodes

38:58

#87: CGT hacking failed

The Fat Wallet Show from Just One Lap ·

2018/02/11

For a moment there I got excited. I blame Peter Hood, who dangled the capital gains avoidance carrot dangerously close. Peter’s theory is elegant: Use your capital gains allowance each year to offload your cheap ETF units at a profit and then buy them back at a higher price. Your cost per unit goes up over time, allowing you to pay less capital gains tax when you eventually cash in for real. Unfortunately, traders ruin it for everyone. Regular (read, annual or more) transactions in your trading

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48:55

#86: Index all the things

The Fat Wallet Show from Just One Lap ·

2018/02/04

Following last week’s investment crisis episode, indices seem to be on everyone’s mind. We decided to dedicate this episode to all things index. Navi wanted to know which ETFs we’ll be investing in this year. The Ashburton 1200 looks very appealing for us both. Nobody saw this coming - least of all us. Frank Denys made a case for ETNs that practically had us throwing our money at him. It’s a product I intend to learn more about. In the meantime, I strongly suggest you direct your ETN questions to

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54:04

#85: Can one ETF rule them all?

The Fat Wallet Show from Just One Lap ·

2018/01/28

Did Dale Towert ruin our lives, our business and possibly the ETF industry? Turns out Dale is a powerful guy. He sent a link to the “Investing Demystified” video series by Lars Kroijer and immediately changed the way I think about ETFs. In the videos, Kroijer makes an argument for a single world-wide ETF combined with bonds as a complete investment strategy. Over the years my ETFs expectations changed. Instead of hoping for market return, as it says on the sticker, I’ve been trying to use my ETFs to

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43:26

#84: Your financial weak spots

The Fat Wallet Show from Just One Lap ·

2018/01/21

The below letter from one of our listeners stopped us in our tracks. So often we have no control over the course our lives would take. The challenge is to ensure our finances are in a position to sustain crises. In this episode, we talk about how to spot our own financial weaknesses and how to recover from a financial disaster. I have always been a HUGE fan of property. About eight years ago I was doing, I thought, pretty well. I had a high-paying freelance gig (very much the norm in my line of

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10:08

#83: Vitality-funded flights

The Fat Wallet Show from Just One Lap ·

2018/01/14

We received an excellent email from Jason Herron, who has found a way to make Discovery Vitality work hard for him. I have a little love affair for Discovery miles and thought now that you are using Vitality, it could be useful to you and the listeners. There is a bit of admin in getting the best Miles collection rate. You will need the following: Discovery Credit Card Discovery Vitality Achieve gold status in vitality and eventually Diamond after 3 years of gold. I know

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14:37

#82: Alternative assets? No, thanks!

The Fat Wallet Show from Just One Lap ·

2018/01/07

There’s nothing Wolf of Wall Street about long-term wealth creation, especially for us index investors. You diligently put away what you can and wait for the market to do its thing. If you’re not fond of watching paint dry, you probably won’t get your kicks from this investment strategy. It’s not surprising, therefore, than we often receive questions about alternative asset classes. If you’ve been bored out of your mind with your investment strategy, you are ready for some action. Like everyone

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07:59

#81: New year, new money

The Fat Wallet Show from Just One Lap ·

2017/12/31

Happy New Year! We hope to make this your (and our) most successful financial year ever. Sticking to the theme, we talk about our financial resolutions for 2018. Last year I made the same financial mistake twice. In trying to avoid cost, I incurred unnecessary cost and aggravating effort. This year, I hope to develop mental models so I can stop making the same irritating mistake. Simon shares his financial goals for 2018, as well as why he doesn’t believe in goal setting. Since 2017 proved me an

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16:13

#80: Rules of thumb for property, tax and offshore

The Fat Wallet Show from Just One Lap ·

2017/12/24

While every question we receive on this podcast pertains to a completely unique financial situation, some themes recur. More often than not, the questions we receive pertain to property investments, tax efficiency and foreign investing. In this mini podcast, Simon and I discuss the answers we give most often to these questions. If you’re a regular listener, a lot of this might sound familiar to you. Perhaps hearing us talk about them again inspires you to revisit these areas to ensure you’ve got the

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07:09

#79: 2017's worst money mistakes

The Fat Wallet Show from Just One Lap ·

2017/12/17

It’s safe to say that I think about money slightly more than the average person. Once bitten, twice shy and all that. Weirdly, though, my financial hyper-vigilance sometimes results in exactly what I try to avoid. 2017 felt the need to teach me that lesson more than once. In the second of our mini podcasts, Simon and I talk about the financial mistakes we made this year. Mine cost a little, Simon’s a lot. Even so, I’d like to do better next year. We are now officially on holiday, which means I won’t

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06:47

#78: Mini podcast: Discounts vs investments

The Fat Wallet Show from Just One Lap ·

2017/12/10

Fat Wallet listener Hugo Schuitemaker and his trusty Excel spreadsheet made a startling discovery. An amount invested at the beginning of the year would have to earn a 19.5% return to catch up to a 10% discount on his child’s school fees. “Sometimes schools offer a discount for paying the full annual amount upfront. In my case its 10% if I pay the full annual amount of school fees by 1 January. So this naturally called for an Excel spreadsheet. Upfront payment vs Monthly payment. I worked out that

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59:23

#77: Spring clean your portfolio

The Fat Wallet Show from Just One Lap ·

2017/12/03

In investments we fall victim to all the consumer habits we’ve developed over a lifetime. We are fooled by bells and whistles, make impulse purchases, get home with things we don’t need only to realise we forgot the thing we went to the store for in the first place. By the end of an investment year, it can be hard to remember why we own what we own. This is especially true if you haven’t formalised your investment plan yet. With easy-to-use investment technology, it’s fun to experiment. These

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01:00:24

#76: Listener suggestions

The Fat Wallet Show from Just One Lap ·

2017/11/26

This week, two listeners help Simon score free wine and free petrol using loyalty programmes. Here’s a new Fat Wallet rule: if it gets us free wine, you are automatically the win of the week. No questions asked. We discuss medical aid and how much to save towards the education of two toddlers. We received a question about the Warren Buffett indicator. I figure out halfway through the discussion that it’s basically the P/E ratio of a country and nearly die of pride. I just love those moments where my

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50:11

#75: Retirement revisited

The Fat Wallet Show from Just One Lap ·

2017/11/19

How it happened that November turned into the retirement annuity month, I’m not sure. Following our previous two episodes, we were bombarded by questions and concerns around RAs. It seems our episode on choosing an RA spurred many of you into action. We hear from an 86-year-old listener how far the 15% savings rate actually gets you. Hint: not very. We help two listeners figure out if they’re paying too much for their annuities. One listener is struggling to find the right answers to his retirement

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01:01:31

#74: 15% questioned

The Fat Wallet Show from Just One Lap ·

2017/11/12

I’ve had a great time chatting retirement at two separate events last week. Both times I came away feeling uneasy about the go-to 15% savings rate for retirement. I suspect we’ve been anchored at that number because that used to be the tax break. I also suspect that number is only correct under very specific conditions. If you started saving 15% of your salary since your first pay cheque and you plan to retire at 65, 15% might be enough. Then again, it might not be. How would you know? Here’s what

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01:07:34

#73: Choosing an RA

The Fat Wallet Show from Just One Lap ·

2017/11/05

In a previous episode of The Fat Wallet Show we discussed how to compile your own ETF portfolio. In theory, once you know which factors to consider and understand all the information, you can make informed choices about your investments. However, putting together an ETF investment is child’s play compared to choosing a retirement annuity. Unless you’re an outlier, your retirement annuity is the most important financial decision you’ll make. It’s not only the largest sum of money you’ll ever invest,

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01:00:23

#72: What is "good" performance?

The Fat Wallet Show from Just One Lap ·

2017/10/29

If an investment grows more than a savings account interest rate, is that a good investment? If it performs on par with the Top 40 index, but below inflation, is that good or bad? It’s surprising that we got 70 episodes into this podcast without ever discussing when a share is performing well. On the face of it, it seems almost too obvious to warrant a conversation. How much do I want a share price to rise? Infinity! In this episode we discuss some of the metrics you can use to determine how your

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28:37

#71: Property dilemma

The Fat Wallet Show from Just One Lap ·

2017/10/26

Getting to be great at money is like losing weight. Those who are successful at it don’t reach their goals because they perfectly stick to a plan. They are successful because they make more good decisions than bad ones over a long period. We’ve long theorised that there are five financial concepts that underpin good financial decisions. We posit truly understanding these concepts will remove a lot of the uncertainty that often fuels financial decision-making. Taking the right variables into account,

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55:03

#70: Build your own ETF portfolio

The Fat Wallet Show from Just One Lap ·

2017/10/22

We are 70 episodes strong! What a ride! As you may have noticed by now, The Fat Wallet Show tries to help you figure out how to think about your money. The theory is if you understand a few surprisingly simple concepts, you have the tools you need to make great financial decisions. Once you have a handle on these concepts, you need a solid financial base. Getting that in place takes about a month, if you focus. We discussed the things you need to understand to make a good financial decision here. To

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34:30

#69: ETFs shouldn't be your second source of income

The Fat Wallet Show from Just One Lap ·

2017/10/15

Simon had some family matters to attend to this week, so I did my first ever solo Fat Wallet. Turns out talking about money alone in your living room isn’t quite as entertaining as doing it with a friend. I’m sure you’ll miss him as much as I did. Two episodes ago, Daniel Jacinto wanted to find a good alternative investment for income. He currently owns a buy-to-let property that helps him pay for his parents’ medical aid. He looked into a Finbond product that offers 11% interest on a deposit fixed

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58:54

#68: ETF pricing and side hustle tax

The Fat Wallet Show from Just One Lap ·

2017/10/08

The Sygnia World and Satrix World exchange-traded funds (ETF) both track the MSCI World Index. ETFs are priced on their net asset value. That means the share price is calculated by adding up the prices of the shares within the ETF to arrive at a fair value. Unlike ordinary shares, ETF unit prices are not subject to the forces of supply and demand to the extent that ordinary shares are. When there is demand for ETF units, the market maker produces more units at fair value. When there is too much

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