Clause & Effect
Empower Yourself by Understanding These Key Investment Terms

Empower Yourself by Understanding These Key Investment Terms

“An investment in knowledge pays the best interest.” (Benjamin Franklin) One of the biggest hurdles for new investors is the jargon. The investment world is filled with acronyms, technical terms, and specialist language that can be intimidating. But this language...

Preserving Legacy Beyond Wealth

Preserving Legacy Beyond Wealth

“A rich person should leave his kids enough to do anything, but not enough to do nothing.”  (Warren Buffett) In the next couple of decades, families with intergenerational wealth will be transferring far more than assets (including homes, holiday homes, and successful...

The Transfer Process in a Nutshell

The Transfer Process in a Nutshell

“Don’t wait to buy real estate. Buy real estate and wait.” (Will Rogers) Spring is in the air and, as the annual uptick in property sales kicks in, let’s address two questions commonly asked by both sellers and buyers who are unsure about exactly what happens after...

Excuses, Excuses: Why People Don’t Make Wills, And Why You Must

Excuses, Excuses: Why People Don’t Make Wills, And Why You Must

“All that lives must die, passing through nature to eternity.” (William Shakespeare, in Hamlet) Master’s Office records suggest that less than a third of us leave behind a will when we die. That’s astonishing, given the fact that death is one of the few absolute...

Why Most Traders Lose Money – And Investors Don’t

Why Most Traders Lose Money – And Investors Don’t

“Patience is not simply the ability to wait – it’s how we behave while we’re waiting.” (Joyce Meyer) In recent years, there’s been a huge increase in advertising for market trading apps. These adverts all have two things in common: Firstly, they show someone making a...

How Can You Protect Your Heirs’ Inheritances from Their Creditors?

How Can You Protect Your Heirs’ Inheritances from Their Creditors?

“The only person who sticks closer to you in adversity than a friend is a creditor.” (Unknown) You’ve done everything you can to leave your loved ones financially secure after you die. You’ve left enough assets to set them up in their own lives, made a valid will...

What Kind of Dog Investor Are You?

What Kind of Dog Investor Are You?

“In investing, as in life, it’s often better to be the patient retriever than the anxious terrier. Be steady, focused, and wait for the right opportunity.” (Inspired by Warren Buffett) When it comes to investing we’ve all got a bit of dog in us. But what breed are...

Financial Advice for Women: It’s Personal

Financial Advice for Women: It’s Personal

“A girl should be two things: who and what she wants.” (Coco Chanel) According to the International Labour Organization, women in South Africa earn, on average, between 23% and 35% less than men. Women are also more likely to take time out of the workforce or work...

New Investor or Retiree – Earn Steady Income

New Investor or Retiree – Earn Steady Income

Invest in a notice deposit account with terms as short as 3 months and fixed annual returns of up to 9%. Market mood swings shouldn’t decide your future. Denhagan Investment Services lets you grow wealth in notice deposit accounts that pay up to 9% annualized—no...

Mid-Year Market Check-in: From Tariffs to the Brink of War and Back

Mid-Year Market Check-in: From Tariffs to the Brink of War and Back

2025’s perfect storm began with President Trump exhibiting his trademark unpredictability, announcing sweeping tariffs that sent markets into a tailspin in April.  When tariff fears peaked in April, the S&P 500 sold off as much as 17.8%, while the Nasdaq suffered...