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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

57:03

Spend money to save money (#206)

The Fat Wallet Show from Just One Lap ·

2020/06/28

You can find the Satrix webinar we mention at the top of the show here. Isn’t it odd how few money conversations centre around mundane financial choices? Surely our net worth is a reflection of the small financial decisions we make every day. A rather typical experience with a contractor has me questioning my decision-making this week. Do I need to think differently about the intersection between price and quality? I asked your help and got some really excellent ideas. Simon and I think through

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01:05:18

The perfect money month (#205)

The Fat Wallet Show from Just One Lap ·

2020/06/21

A while back my smart and handsome co-host Simon Brown did a presentation about the perfect trade. Even though I don’t trade myself, I found the presentation inspiring. As we often advocate, when it comes to this money business it’s best to focus only on what you can control. A conversation with Cash Club writer Njabulo Nsibande made me realise we can apply the idea of a perfect trade to our investments too. As Simon and I flesh out that idea in this podcast, we realise you can aim for a perfect

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01:06:26

Offshore ETFs and the rand (#204)

The Fat Wallet Show from Just One Lap ·

2020/06/14

When you buy a locally-listed ETF based in another currency, two transactions happen in the background. First, your rands are converted to the other currency. The new currency is then used to buy the ETF units. Buying an ETF based in a different currency is therefore an easy way to introduce currency diversification into your portfolio. In this episode we help you understand the impact of these two transactions on your portfolio when there’s currency movement. If, for example, you bought a

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01:01:35

Pension fund withdrawals (#203)

The Fat Wallet Show from Just One Lap ·

2020/06/07

Under normal circumstances we would strongly caution against withdrawing from your pension fund. The reason is quite simple: the tax will make your eyes water. One decision can slash your hard-earned net worth by hundreds of thousands of rands. That’s not even factoring for opportunity cost. However, since we’re currently living through the apocalypse, we might have to soften our stance on this. Some members of the financial services industry are lobbying for access to pension funds during this

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01:06:44

Brushing up your strategy (#202)

The Fat Wallet Show from Just One Lap ·

2020/05/31

Many of you come to us fresh as daisies. You start listening in anticipation of your first pay cheque. A clean slate means you can set your financial situation up in a way that makes sense to you at the outset. Those of us who aren’t so lucky have to turn our financial patchwork into a structure of some integrity. This episode is about that. Inspired by 39-year-old Dunga, we help you figure out what might be missing from the financial setup you already have. We cover everything from debt as a risk

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58:29

FIRE for single-income households (#201)

The Fat Wallet Show from Just One Lap ·

2020/05/24

Financial planning isn’t just for people who earn money. In single-income households, it’s the responsibility of everyone in the household to work towards financial goals. It’s also everyone’s responsibility to protect those not earning an income. Naturally, dread disease and disability cover and life insurance are critical in these situations. A question from Denzil had us considering the benefits of taking out a retirement annuity in the name of the non-working partner. It means the growth of the

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01:03:25

200 Fat Wallets! (#200)

The Fat Wallet Show from Just One Lap ·

2020/05/17

As we mentioned at the top of the show, today’s episode was made possible by a new financial education initiative by Momentum-Metropolitan. You can play the FinEazy game here and register for the story-driven educational programme called FunDza here. This is the 200th time Simon Chuckles Brown and I sit down to record a Fat Wallet Show (more or less). Every episode is a privilege because every episode is made possible by your engagement and contributions. We are eternally grateful for the support,

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43:22

Should I take profit? (#199)

The Fat Wallet Show from Just One Lap ·

2020/05/10

After two brutal years of obsessive debt repayments and a year of hard saving I finally made my first investment in March 2014. Six years of watching paint dry was followed, finally, by a stock market crash so brutal I’m still suffering a nosebleed. In my short investment career I’ve experienced every market condition but growth. As a result of this less-than-illustrious track record, it’s probably not surprising that the growth I’m currently seeing in my portfolio is freaking me out completely. My

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01:01:57

Adjusting financial goals (#198)

The Fat Wallet Show from Just One Lap ·

2020/05/03

We’ve all had a few weeks to come to terms with Reality: Version 2020. Those of us who had our sights set on financial independence have watched our independence day creep a few years further down the line. The uncertainty we are currently facing has surely also made converts of those who didn’t know financial independence was something worth striving for. Imagine how differently you would have approached this crisis if you knew you could continue to support yourself if you lost your day job. Life

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01:03:41

COVID bonds (#197)

The Fat Wallet Show from Just One Lap ·

2020/04/26

With the markets in a flat spin, even the bond market is looking a bit peaky. How can it be when bonds are supposed to give us stability and predictable income? It turns out not all bonds are created equal. In this week’s episode we revisit how bonds work and what they’re supposed to do in your portfolio. If you are as intrigued by retail bonds as I am, you can buy some here. Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Win of the week: Tee I am happy to report that the only

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01:00:29

Lockdown money crisis (#196)

The Fat Wallet Show from Just One Lap ·

2020/04/19

It’s going to take more than a good plan and discipline to cope with the financial impact of this lockdown. Some of us are lucky to retain all or some of our income, but for many of us this period is a financial catastrophe. There is no good news, no upside, no silver lining. We are in crisis mode and the goal is survival. In this week’s episode we think through some lesser-of-two-evils scenarios. Should you take a loan repayment holiday? Should you sell an investment or take on debt? Should you

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34:40

The investment lockdown challenge (#195)

The Fat Wallet Show from Just One Lap ·

2020/04/12

Isn’t it fascinating how quickly we adapt? When the market first started its epic nose dive, we were all ready to jump with it. However, over the past month or so we’ve become so accustomed to a crisis environment that we can almost forget about our investment accounts. The last lockdown challenge was initially scheduled for the last week of lockdown. The lockdown extension happened after I recorded the podcast. To be honest, I don’t have the emotional energy to engage with the extension at the

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01:01:47

The medical aid lockdown challenge (#194)

The Fat Wallet Show from Just One Lap ·

2020/04/05

Last week we challenged you to take a closer look at your insurance cover. The challenge was an eye-opener for me. I wrote an article about it here. This week it’s time to look at your medical aid. Since many of our incomes are affected by the lockdown, you might be looking at a cheaper medical aid plan. You might be wondering if the one you have is any good. Perhaps a global health crisis finally scared you into getting medical aid if you don’t already have one. The trouble with making choices

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01:12:26

The first lockdown money challenge (#193)

The Fat Wallet Show from Just One Lap ·

2020/03/29

It’s a nutty time to be alive, isn’t it? A market crash is bad enough. Adding a national lockdown to the mix is bound to provoke some anxiety. Our strategy in this time is not dissimilar from our usual strategy: focus on what you can control. To that end, our podcast this week is the first of three money challenges. We are starting with wills and estates and then moving on to short-term and long-term insurance. We all know what a drag it is to wade through the fine print of these documents when

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56:42

Crash questions (#192)

The Fat Wallet Show from Just One Lap ·

2020/03/22

Many of us are witnessing a stock market crash for the first time. Like most of you, I’m experiencing a heady mix of excitement and terror. I’m so glad watching my portfolio no longer feels like watching paint dry. Instead, it feels like being dropped off a very high building. It’s not great, but at least it’s not boring. This week we address nothing but crash questions. Drawing on some of the concerns of The Fat Wallet Community Group, we provide some guidance to get you through this process with

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01:05:43

Your first tax-free investment (#191)

The Fat Wallet Show from Just One Lap ·

2020/03/15

While the rest of the world is getting in supermarket fights over toilet paper, life at Just One Lap carries on. Lesego, who is only 24, is ready to start their investment journey. This week we hold their hand through their first tax-free purchase. We explain what tax-free accounts are, what ETFs are and why we like to go for a diverse, global investment. If the investment world is new to you, you don’t want to miss this episode. The video below is a deep-dive into tax-free investments, presented

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01:02:06

The end of the world (#190)

The Fat Wallet Show from Just One Lap ·

2020/03/08

We’re not prone to panic, but at this point staying calm requires a level of stoicism we haven’t quite mastered. You may have forgotten this in the diseased fog of the Coronavirus, but a mere two months ago it seemed as though the US was going to war with Iran. Part of what makes it so hard to keep calm is that the rest of the world is in a flat panic. When even the Federal Reserve starts behaving erratically, you may be forgiven for wanting to turn your ETFs into Kruger Rands*. In this week’s

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55:53

Preservation funds and FIRE (#189)

The Fat Wallet Show from Just One Lap ·

2020/03/01

Boy, did AJ open a can of worms this week! We fall down a preservation fund rabbit hole that’s perhaps long overdue. Here are some of the key things you should know. When you leave a company’s pension or provident fund because you leave the company, you have three options when transferring those funds: You can move it to your new company’s pension or provident fund. You can buy a retirement annuity (RA) in your private capacity. You can put that money into a pension preservation or provident

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01:07:47

Things you should know about the end of the tax year...

The Fat Wallet Show from Just One Lap ·

2020/02/23

This time of year is like Christmas for money nerds (or maybe it’s just me). Everyone’s tax situation is unique and there are so many variables to tweak. It’s truly magical. In this episode, we take you through some tax basics. We explain why the end of the tax year is significant, even if you don’t file a provisional return. We help you work out why tax-free savings are so important and discuss some of the similarities between tax-free investment products and retirement products like annuities and

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01:06:30

Where budgets fail (#187)

The Fat Wallet Show from Just One Lap ·

2020/02/16

Conventional wisdom has it that a budget is at the heart of any successful financial strategy. My wisdom has it that a budget is an excellent tool for self-deception. Nobody was better than drawing up a theoretical map of how money should be spent than me not spending money that way. In this episode we discuss where budgets fall short. We each share our own approaches to budgeting and offer some more useful alternatives. Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Win of the

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