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Posted: 6 February 2012 - 0 comment(s) [ Comment ] - 0 trackback(s) [ Trackback ]

So you want to start investing? Feeling overwhelmed about where to start? Not sure of the options? Investing may be easy but there is a lot to learn and even if you want to keep it simple, there are a number of choices that you need to make (ETF vs DIY, monthly or lump sum, etc.). To help you through this process of deciding which route to take and then how to move forward, we've got a new page on JustOneLap - You want to start investing? Start here. It is the perfect place to start as it will guide you through the different choices and then give you all the information you need for which ever route you decide on.
 
In the week ahead Keith Mclachlan will move onto the practical part of Valuations: Price-to-Book Model (practical) on Wednesday at 20h00. The theory video is online for viewing and/ or downloading here and this next video will put this into practise, using Standard Bank (SBK) as the example. Price to book is a great tool and the theory webinar is not to be missed, as Keith pulls apart the SBK valuations and explains the tricks and pit falls of price to book.
 
In the past week we covered one of the most popular trading derivatives - Single Stock Futures (SSFs). Many think they're massively complicated, but like most things, with some knowledge they're a fairly simple product and a great tool for those wanting to trade JSE listed stocks via SAFEX.

Coming up

Wednesday 8th at 8pm - Valuations: Price-to-Book Model (practical)

Tuesday 14th at 1pm - International commodity futures

Tuesday 21st at 1pm - Investing in debt instruments

Week that was

Single Stock Futures (SSFs)

Surviving volatile markets

100 Second Tip - What price do you want to pay?

Money Tip

Bank charges are always painful and seemingly unavoidable. Deciding to bite the bullet and change banks may seem daunting with all the red tape involved, but what if you could save R150 a month on your bank changes? That's R1, 800 a year.

First work out what you are paying and then check to see if your bank offers a cheaper option that still meets your needs. Maybe some simple changes to how you transact could save you money - like not using ATMs that don't belong to your bank. If you can't reduce your fees at your current bank then check out competitive banks, see what you could save by switching, and ask them how they can help reduce the red tape.

 

All the best

 

JustOneLap

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Posted: 13 February 2012 - 0 comment(s) [ Comment ] - 0 trackback(s) [ Trackback ]

Last week we launched a new page - You want to start investing? Start here. This week we launch - You want to start trading? Start here. Investing at its core is simple: buy quality when it's cheap and let time do its magic. Trading is a whole lot harder, yet most people want to be traders for the mistaken belief that it'll make them rich quickly (the truth is most become poorer quickly). The two core qualities that a trader needs are discipline and a solid grip on the psychology of trading, as trading happens more in the head than the market.

So in order to improve the odds of becoming a successful trader we've put together a list of videos and books to get an aspiring trader on the road. No trader can ever become complacent and think they've reached the summit as a trader - it is an on going process of learning and maintaining discipline, so those already trading can benefit from the lists too.

You want to start trading? Start here.

In the week ahead we've got a live webinar on Tuesday at 13h00 - International commodity futures. We've already got some videos on futures and others on commodities (including Agricultural futures), but this webinar covers the US traded precious metals, WTI oil and a number of US traded soft commodities. Great products, simple concepts and definitely worth adding to a trader’s arsenal.

In the past week Keith Mclachlan presented a case study on Valuations: Price to Book Model (practical). The example used was Standard Bank and the video expands on the theory video from the previous month, Valuations: Price to Book Model (theory). It is a great and very simple tool to help build a valuation model.

Coming up

Tuesday 14th at 1pm - International commodity futures

Tuesday 21st at 1pm - Investing in debt instruments

Week that was

Valuations: Price to Book Model (practical)

Single Stock Futures (SSFs)

Surviving volatile markets

100 Second Tip - What price do you want to pay?

Money Tip

Getting rid of debt is always a good move, but remember to first pay off your most expensive debt. Typically this would be your credit card and bank overdraft. Your bond is likely to be your cheapest debt, so leave that debt burden for last.

 

All the best

 

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Posted: 20 February 2012 - 0 comment(s) [ Comment ] - 0 trackback(s) [ Trackback ]

So far 2012 has been a good year for equities, but many potential investors are still scared of the markets and are holding their cash in money market type accounts as a result - earning almost nothing.

Research shows that recent events determine our immediate thinking, and hence the crisis of 2008/9 means many are still very nervous of the stock market. While a new crisis is certainly possible (in fact it is guaranteed at some stage, but nobody knows when), the secret ingredient is time. The local market is already trading above the levels from before the worst financial crisis of our time and investors are doing just fine. The point is that if you have time, and that's five years at a minimum, then a crisis is not the worst thing that can happen to your investments.

In the week ahead we have a live webinar on Tuesday at 13h00 on Investing in debt instruments. Typically one shies away from debt, but it is a viable asset class that has various levels of risk and reward, so the investor is able to find debt to match their risk profile. Importantly, most of these assets trade on the JSE, so they're easy to access and nothing like the CDOs that helped create the recent financial crisis.

In the past week we had a video on International Commodity Futures. From your JSE account you're able to trade a number of US originated futures such as gold, silver, copper, WTI, platinum and a series of agricultural commodities. Being traded on the JSE means we trade them in Rands and they're a great product for traders who are looking for uncorrelated products to trade.

Coming up

Tuesday 21st at 1pm - Investing in debt instruments

Tuesday 28th at 8pm - Identifying Trading Ranges

Monday 12th at 8pm - Valuations: EV/EBITDA Model (Theory)

Week that was

International Commodity Futures

Valuations: Price to Book Model (practical)

Single Stock Futures (SSFs)

Money Tip

Don't put all your eggs in one basket is a cliché as old as the hills (and there's another one - we're full of them today). Spreading risk is one of the cornerstones of sound investing. For the smaller investor, an Exchange Traded Fund does this perfectly, as the ETF sees you invested in numerous different shares. A larger portfolio could be split between a number of different shares in different sectors. But be careful that you don't over diversify. Investing into 80 different shares means you've essentially just bought the market, but with 80 different purchase transactions the only person making money is your broker. A smart way to diversify is to put a significant portion of your money into an ETF, giving instant diversification and market performance; and then use the rest of your portfolio to select a dozen or so individual stocks to give your market outperformance.

 

All the best

 

JustOneLap

 

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Posted: 28 February 2012 - 0 comment(s) [ Comment ] - 0 trackback(s) [ Trackback ]

Minister Gordhan delivered the national budget last week and as usual it’s solid, keeping our economy on track. However this time there were some surprises for investors and traders with regards to capital gains tax and the new dividend withholding tax.

At the top rate capital gains tax is now 13.3% vs. 10% (CGT is 33.3% of your tax rate, which at the top is 40%). The bigger news was the rate for the new dividend withholding tax, coming into effect on 1 April 2012. Everybody was expecting a 10% rate and as the tax it is replacing was also at 10% there would have been little effect; but instead it'll come in at 15% and it is very likely to hit dividends, effectively making them as much as 6% smaller after tax. We'll speak to some experts and do a webinar shortly on both the new tax and the impact on our high yield portfolio.

The third worry has not yet been introduced, but is likely to come in next year. When you buy a derivative (SSF, CFD, warrant or instalment in this case) the issuer hedges the position but does not pay the 0.25% STT on the hedge; however the plan is that they will have to pay start paying STT, albeit maybe at a reduced rate. This will hurt traders as an extra 0.25% will almost double the transaction costs.

On the positive side the Minister mentioned a new proposed tax incentive to encourage savings. It is still only in discussion stage, but if implemented it will enable tax free saving up to a maximum of R30, 000 a year with a limit of R500, 000 per person during their life time. The aim is to encourage savings but also to ensure that people are better prepared for their retirement, so it would be a good initiative.

In the week ahead we have Alwyn Burger back on Tuesday at 20h00 to present a webinar on Identifying Trading Ranges. Mastering a trading range is critical for traders, especially in a sideways market, and this webinar will be using live examples to better explain his ideas.

During the past week we uploaded a video on Investing in debt instruments. It’s not an exciting asset class but it’s an important one as it offers great diversification for investors, especially those looking for income. There are unlisted options and a number of listed options with preference shares and ETFs making most of the listed options.

Coming up

Tuesday 28th at 8pm - Identifying Trading Ranges

Monday 12th at 8pm - Valuations: EV/EBITDA Model (Theory)

Week that was

Investing in debt instruments

International Commodity Futures

Valuations: Price to Book Model (practical)

Single Stock Futures (SSFs)

 

All the best

JustoneLap

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