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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

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All Episodes

57:27

#67: Investing for immediate income

The Fat Wallet Show from Just One Lap ·

2017/10/01

So much of what we discuss on The Fat Wallet has to do with investing for some future date. We never really get around to what to invest in if you need money right away. Unfortunately the first thing you need, for those of you who suddenly perked up, is capital. Listener (and great guy) Daniel Jacinto is paying for his parents’ medical aid with income from a buy-to-let property. Since discovering The Fat Wallet, Daniel has realised there’s more than one way to skin a cat, and if that way doesn’t

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45:21

#66: The best time for bonds

The Fat Wallet Show from Just One Lap ·

2017/09/24

If you’re a Fat Wallet regular, you know I love thinking about bonds. Despite my fascination with the asset class, I don’t hold any outside of my retirement annuity. If all goes well, I won’t be cashing in my investments for the next 20 years. Bonds are a more conservative asset class. They reduce volatility, but they have an upside limit built in, and I’m a sky’s-the-limit kind of gal. This week, listener Dale Towert reaches the same conclusion about bonds, “Everyone says a well-diversified

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43:38

#65: Capital gains and inflation

The Fat Wallet Show from Just One Lap ·

2017/09/17

Investing can be overwhelming because there are so many moving parts. You need to understand what a broker is and then make a decision about which one to use. You need to familiarise yourself with investment products like index-tracking funds and then make a decision about whether to go that route or invest in individual companies. If you go for individual companies, you can easily spend the rest of your life pouring over company results and reading SENS announcements. All of this happens before you

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56:22

#64: Diversification by weighting

The Fat Wallet Show from Just One Lap ·

2017/09/11

Risk factors are a big consideration when I make investment decisions. Generally, I consider sectors, regions, currency and asset allocation when deciding between ETFs. I’m by no means claiming these are the only risk factors, but these are the ones I understand. Considering I only invest once a year, it’s kind of nuts how much time I spend thinking about this. Last week I wrote an ETF blog about how weightings can affect the performance of ETFs that track more or less the same companies. In the

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01:04:44

#63: Investment clubs

The Fat Wallet Show from Just One Lap ·

2017/09/03

We often speak to people who want to set up investment clubs. I like to fly solo, especially when it comes to money, so I never really paid attention to it. Of course, now that I might have to set one up, they suddenly seem a lot more interesting. We’ve been chatting to Njabulo Nsibande (who became a dad to a baby boy last month!) about his investment club for a while now. He alerted us to the possibility of a Satrix money market ETF. His club is about the start making investment decisions. This

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57:40

#62: When bad financial decisions are good

The Fat Wallet Show from Just One Lap ·

2017/08/27

When we discuss financial principles on The Fat Wallet Show, we try to make them a rule of thumb. More often than not, debt is bad and saving is good. Most of the time, retirement and tax-free should be where your money goes first. Of course there are exceptions to these rules. There are as many unique financial situations as there are people. Sometimes a set of circumstances leads to an opportunity. Other times you do everything exactly the way you’re supposed to and it still doesn’t work out. This

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46:22

#61: The index weighted by love

The Fat Wallet Show from Just One Lap ·

2017/08/20

Fat Wallet regulars know that index-tracking products are at the heart of our investment philosophy. Even Simon, with his individual shares and trading accounts, prefers having at least half of his portfolio invested in exchange-traded funds (ETFs). ETFs are financial products that track the performance of an index. If you struggle to understand what an index is, you’ll probably find ETFs difficult to grasp. In the last Fat Wallet episode, we decided to create our own index to illustrate how indices

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58:25

#60: ETF Q&A

The Fat Wallet Show from Just One Lap ·

2017/08/13

It’s our 60th show! At the time of recording we were also only a few downloads shy of the 70 000 download mark. What a time to be alive! We are so grateful for your support. This week we received a bunch of related questions about my favourite topic - ETFs. We discuss: TER: How it’s calculated and what it means for your investment. I also wrote an article about it here. Spread: The cost that’s not a cost. The difference between ETFs and ETNs. How to put together an ETF portfolio. How to choose

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57:08

#59: Structuring your pay cheque - Part Two

The Fat Wallet Show from Just One Lap ·

2017/08/06

Last week, we spoke about the basic concepts you need to understand to make good financial choices. We recap those this week, because understanding these concepts will change the way you think about your money. To recap, they are: Interest Inflation Compounding Assets Indices and index-tracking products We also discuss the different types of expenses that will impact how you spend your money. They are: Unavoidable expenses that keep you alive Expenses that can be avoided in the short-term, but

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56:54

#58: How to structure your pay cheque

The Fat Wallet Show from Just One Lap ·

2017/07/30

Thinking about how you are going to spend your money when you haven’t yet started earning any seems like putting the cart before the horse. However, if you’ve been earning money for a while you probably have monthly expenses that are difficult to account for. Why is that we can plan every other aspect of our lives, but our financial decisions are often without direction. In our first ever recording in front of a live audience, Simon and I discuss how to create structure around your salary. We

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56:43

#57: Retirement, dividend tax and exposure offshore

The Fat Wallet Show from Just One Lap ·

2017/07/23

In the current political climate it’s not surprising that we get so many questions around moving money offshore. This week’s episode was going to be about moving pensions abroad, but offshore exposure in general ended up dominating the conversation. First, we talk about taking your pension fund with you when you emigrate. The good news is that it can be done if you’re not already taking a pension. The bad news is there’s no way to avoid paying tax. Next, we talk about tax on foreign dividends and

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01:01:35

#56: ETF IPOs explained

The Fat Wallet Show from Just One Lap ·

2017/07/16

You’ve probably noticed that we’re aflutter about the new Satrix ETFs. International index-tracking offerings on the cheap is pretty much the reason we get out of bed in the morning. Investors have a chance to get their hands on these ETFs before everyone else in the initial public offering (IPO). In this episode we figure out what the upside is to getting in before the products list. Find our episode on private placements here. When companies list, a limited amount of shares are issued and

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46:15

#55: Leveraging your portfolio

The Fat Wallet Show from Just One Lap ·

2017/07/02

I had to fight the urge to throw my laptop away and run for the hills when I read Jurie Lombard’s mail this week. This is not Jurie’s fault. I’m overly-cautious when it comes to debt - once bitten and all that. However, I’ve also wondered about using my portfolio as collateral to borrow money. Borrowing can be a powerful way to create wealth. People who swear by property often cite the ability to use existing capital as collateral to acquire more capital as an upside of the asset class. As Simon

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01:01:47

#54: How much money do you need?

The Fat Wallet Show from Just One Lap ·

2017/06/25

“Is it really possible to live off my investments?” This is a question we field often. We recently did a podcast about early retirement that deals with a variation on this theme. The question concerns me, because the answer lies at the heart of all financial planning. Firstly, if living off your investments isn’t the end goal of investing, what is? How else do you differentiate between long-term investments and short-term savings? Intentionality is a theme that keeps cropping up on the Just One Lap

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01:03:51

#53: A bespoke financial plan

The Fat Wallet Show from Just One Lap ·

2017/06/18

I’m slightly obsessed with having a solid financial foundation. I talk about it often. Here’s what I have as my foundation: No short-term debt.* An emergency fund. I work on somewhere between three and six months’ expenses. Dread and disability insurance, in case you lose your ability to earn an income. Medical aid. Retirement annuity. You should have this foundation regardless of your financial plan. However, you also need a road map. To get one, start by asking yourself what you want your money

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01:00:58

#52: Can ETFs break the market?

The Fat Wallet Show from Just One Lap ·

2017/06/11

Since Simon and I are both vocal fans of index trackers, we are often asked about the possibility that ETFs could break the market. The questions submitted by Jaco de Wet this week are questions we field often. The fear is that index trackers will become such a large part of the market that price discovery will be compromised and management won’t be held accountable due to a lack of shareholder engagement. If you’re not completely new to the investment world, odds are you’ve heard the phrase, “Past

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01:03:44

#51: Offshore investing with Candice Paine

The Fat Wallet Show from Just One Lap ·

2017/06/04

We have long been huge fans of Candice Paine. If you are one of many who asked us about offshore investing, you’re about to become one of her fans too. In this illuminating interview, Candice explains all the different ways to take your money offshore. I was expecting a very complicated process, but basically you can move your money into different currencies and regions from the comfort of your own bank. However, if you are determined to move money into a different country altogether, we talk about

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46:01

#50: The birthday episode

The Fat Wallet Show from Just One Lap ·

2017/05/28

I can’t think of anything better than learning about something that piques my curiosity. It’s an incredibly powerful antidote to boredom. Learning is easiest in environments where beginner’s mind is encouraged, which is why I’ve always been a fan of learning in secret. When you start expecting answers instead of questions, you create an expectation of mastery. With that, humility and curiosity are lost. An expectation of mastery leads to fear and inevitable failure. Perfect, complete knowledge is a

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40:41

#49: Offshore ETFs and currency moves

The Fat Wallet Show from Just One Lap ·

2017/05/21

Back in the bad old cabinet reshuffle days, I made some money trading my tax-free savings account. In that account, I was invested in the DBXWD and CSP500. The cabinet reshuffle led to a nauseating drop in the rand. The currency drop, in turn, resulted in an elating increase in the value of my dollar-denominated investments. It was an emotionally confusing but financially lucrative time. I’d been down this road before. Considering how little my investments have done for me, seeing some life in my

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47:41

#48: Optimal diversification strategy

The Fat Wallet Show from Just One Lap ·

2017/05/14

Aside from low cost and simplicity, ETFs are appealing because diversification is built in. When you invest in the 40 biggest South African companies, you invest in different sectors and different regions. You even get a degree of asset diversification in the form of property stocks. Last week, Stealthy Wealth asked me about my diversification strategy in this interview. Because I’m an ETF investor with a very long investment horizon, diversification is not high on my list of priorities. The

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