Blue Chip Issue 85

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BLUE CHIP INVESTMENT Upside without the downside is the perfect sales pitch for any investor, but rarely does this ring true. allow debt issuers to repay their loans. This is quite a narrow set of major events which all need to remain intact, unlike the global equity portfolio which can weather many a storm and still retain value for investors. It is not the short- or medium-term variability of portfolio values which characterises risk, but rather the likelihood that you, as an investor, get to earn the return you seek. The higher that likelihood, the lower the risk. BEWARE THE FREE LUNCH Unfortunately, while the industry does not offer warrantees as standard fare on its investment services, it does tend to create attractive products which rely on the risk aversion/ wealth-seeking investor desires. Upside without the downside is the perfect sales pitch for any investor, but rarely does this ring true. Products such as hedge funds and many structured products can sound attractive at first, by promising positive returns without the downside. If this were the case, wouldn’t all investor assets have migrated there by now? Most often the risks are just a little opaquer, and the costs higher, often offsetting what benefit there may be. LIVING WITH RISK Back to our service versus product conundrum. The investment industry offers a long-term service, best measured over three decades to provide a warranty-level of comfort to investors. Investors are hoping for shorter-term certainty and are often poorly communicated to by the industry. This conflict is the source of enormous amounts of industry effort to help align expectations, but “never the twain” shall meet. As service providers to investors, we can start by communicating better and the topic of “risk” is one such example of a potentially damaging concept which, when used without due regard for its impact, can cause harm to portfolios. As a financial planner, asking yourself and your client simple questions can help mitigate the real risk in investing: • Is your client’s portfolio adequately diversified? • Do you and your client recognise the potential cost of being too conservative? • Are you and your client being objective about your client’s portfolio when markets are behaving erratically? • Does your client fully understand the implications of changes they or you wish to make to their portfolio? Better awareness of, and co-existence with, investment risk will result in better investment outcomes. Guaranteed. Peter Foster, Chief Investment Officer, Fundhouse 38 www.bluechipdigital.co.za
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Page 1: Issue 85 • Oct/Nov/Dec 2022 BLUE
Page 4: CONTENTS ISSUE 85 OCT/NOV/DEC 2022
Page 7 and 8: JEAN MINNAAR - MANAGING DIRECTOR -
Page 9 and 10: We look forward to seeing you at th
Page 11 and 12: A massive thank you to all our atte
Page 13 and 14: Connect with a Momentum Financial A
Page 15 and 16: Advice software. Built for better p
Page 17 and 18: The power of balance Equilibrium is
Page 20 and 21: BLUE CHIP COLUMN PASSION FOR OUR PR
Page 22 and 23: BLUE CHIP FPI THE VALUE OF A FINANC
Page 24 and 25: BLUE CHIP FPI FPI as our members ar
Page 26 and 27: BLUE CHIP FPI B-BBEE points to cons
Page 28 and 29: BLUE CHIP FINANCIAL PLANNER OF THE
Page 32 and 33: The smart solution for financial ad
Page 34 and 35: Tax Planning 2022
Page 38 and 39: BLUE CHIP INVESTMENT RISKY BUSINESS
Page 42 and 43: BLUE CHIP DFM Choosing a Discretion
Page 44 and 45: BLUE CHIP INVESTMENT Imagine the fu
Page 46 and 47: BLUE CHIP OIL AND GAS Good news for
Page 48 and 49: BLUE CHIP INVESTMENT THE UNLOVED OF
Page 50 and 51: BLUE CHIP HEDGE FUNDS Is there stil
Page 52: BLUE CHIP HEDGE FUNDS For those who
Page 55 and 56: INVESTMENT BLUE CHIP partnering wit
Page 57 and 58: ESTATE PLANNING BLUE CHIP Do you ha
Page 59 and 60: NOMURA ASSET MANAGEMENT Beating the
Page 61 and 62: COMPREHENSIVE ASSISTANCE WITH ALL K
Page 63 and 64: INVESTMENT BLUE CHIP CoreShares Inv
Page 65 and 66: INFLATION BLUE CHIP Chart 2: Growth
Page 67 and 68: 99.5% OF THE WORLD’S MARKETS ARE
Page 69 and 70: FINANCIAL PLANNING BLUE CHIP The tw
Page 71 and 72: YOUR BUSINESS IS ABOUT CREATING AND
Page 73 and 74: BLUE CHIP PORTFOLIO FINANCIAL PLANN
Page 75 and 76: Independent Specialist Advisers Spe
Page 77 and 78: ESTATE PLANNING BLUE CHIP savings a
Page 79 and 80: LEGAL BLUE CHIP If you fail to plan
Page 81 and 82: PRIVATE CLIENT HOLDINGS IS AN AUTHO
Page 83 and 84: TECHNOLOGY BLUE CHIP approach is va
Page 86 and 87: Momentum Financial Planning is recr
Page 88 and 89: BLUE CHIP RISK MANAGEMENT THE PANDE
Page 90 and 91:
BLUE CHIP COACHING Shifting the way
Page 92:
WE LOOK FORWARD, SO YOU KNOW WHO TO
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Blue Chip Issue 85

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