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LOL, funny but good analogy.

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Where and how can you check the fees and then who offers the lowest fees in RSA? Old Mutual, Sanlam, Discovery?

I am also a CA (SA)..I have faced every one of these working in SA! Tnx for a great post.

Very interesting points Carla! As a Londoner this has been useful.

it seems like you are planning on timing the bitcoin market Carla. Its time in the market not timing the market. I got in 2017 and its up 20x. get in before it 2x in 2025

I AGREE 100 % ABOUT INDEXES. ITS THE WAY TO GO AS A SOUTH AFRICAN I CAN BUY THE NASDAC 100 OR S&P500 TROUGH SATRIX NOW

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Specifically to SA rule is: rent as long as possible to be able QUICK AND EASY leave this hell! (emigrate) Southafricans (white part) live like "Titanic" passengers - dance until water come in shoes. Hey, the country is in a HUGE PROBLEM! Blacks destroy it and make worse and worse every month. So one beautiful day you wake up in a total disaster. What's next? Will you run to sell your home? Doubt so.

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Do you have a website?

Fantastic video

Hello Carla i am a SAP FI consultant .... Can you please guide me how much salary i can demand for saving 2000 CHF per month after all expenses like rent, all taxes, insurance, utilities, food groceries, mobile & WIFI, restaurent weekly, other miscellaneous expenses.

Dankie Carla, This video could have a follow up that talks about dividends from a share sale cashflow draw perspective vs pure dividends as your cashflow. The video recommendation makes complete sense for younger investors who want to maximise growth. However, later in life dividends vs asset sale could have a different effect, like at retirement. Let’s say you need 7% to live off from $1000000. How do the math compare for the two paths? Is stock sale still the better option in that instance? All the best for 2025

Hi Carla. Speaking of Index ETFs and Funds, where are you putting your money now? US SE? Switzerland exchange? Both? A diversified strategy maybe?

Isn't expat just a fancy wa of saying immigrant?

Hello Carla Thank you for this wonderful info. Im an SouthAfrican looking to do contract work internationally and Switzerland is 1 of my Top options as Electrician or Plumber. Can you perhaps give me more info on this if at all possible please?

Is it a public or private one?

Cool vid. Youre wrong, but still.

Wise is absolutely the best , use it all the time

Good content thank u what about the brokerage cost whennu sell shares

Sorry! It’s not an either /or decision. You need both! 1). Dividends are not taxed unless you’re in a brokerage account during the accumulation phase. 2). When you do start to pull out of your retirement accounts, you are taxed at 15% versus higher with capital gains. 3). In your later stages of retirement you never have to sell the shares of your dividend stocks, and you can leave those to generations to come! Dividend investing is a no-brainer!!! But you also need growth!!!

Problem is when the stock is oversold, you don’t have the time to wait to rebound and you need cash now, you lose When the stock is in the upward momentum, you need cash, your giving up the future potential gains, you lose again. Dividends saves you from both

The film explains dividend theory well enough, with numbers marching in like well-behaved soldiers. Very academic. Very proper. But it sees the world through a narrow keyhole. Still, it’s a keyhole worth peeking through. Open the door, step inside, and look around-just don’t forget to check what’s behind you, too.

give me an accent

I get it. Option one pays tax on his dividends. However, option one just returned from a cruise paid for by his dividends. Unfortunately, option 2 has to stay home. 😁

Awesome video, thank you Carla.

Video idea for the future, how does call options work....i dont think they very popular in SA but just like dividend etf's and stocks very popular in America

This is one of the best explained video with regards to dividend paying vs total return etf's To me at least it seems dividend paying stocks/etf's are very popular in the USA,however for the past 3 years I've been trying to avoid dividend paying etf's and rather focus on total return, i will admit I do have some etf's in my portfolio that pay out quarterly but the dividend yield is quite low but I tend to focus on total return, alot of people don't realize there's a plethora of studies and papers on this matter and all concludes to the fact that total return always beat dividend paying... And as you explained there's also the homemade dividend 😅😊

Agree, only keen only hyper growth companies, and if they giving cash to shareholders they ain't growing.

Hi Carla. Thank you so much for your videos they are very helpful. Please also talk about tax in relation to starting a RUclips channel. 🎉❤

I watched your video of buying versus renting in South Africa. Could you do a similar analysis of a house in the R2500000 range purchased for cash versus renting? I’d be especially interested in a 10 to 20 year range as I’m a pensioner so would only be interested in a house in a secure complex. Perhaps there are others in the same boat who’d benefit from this advice. 😊

Another great video - thank you. I will check out your stock market course but just wondering what you think about investing in stocks through the bank. For example on the FNB app they have stock "accounts". I feel like this is a safe option for someone who is clueless.

Hello, and thank you for this video. I think it might be a good idea to clarify the assumption that the invested money isn’t taxed.

CPTs slipping further into dystopia, locals can't afford to live in the city they were born in and have to move further and further out. Meanwhile local government is laying out the red carpet for semigrators and neglecting their voters. Barcelona recently had protests related to this

Hey Carla. Love the video. What app do you use to edit your videos?

Dankie Carla, Always good advise. A question and possibly a topic for the next video as I am discussing this with a financial advisor this year. I have two retirement funds one a retirement annuity (RA) and the other an employer provident fund (PF). They are both at the same value roughly and I am about 10-15 years from semi-retirement, maybe earlier if all goes well. The RA has a higher fee structure of 1.8% compared to the PF but give you a annual tax benefit with a guaranteed annual return and a 3-year fund bonus if the fund performed well over a rolling window. The PF is a higher risk portfolio compared to the RA with a lower fee structure <1% and no tax benefits. How would you analyse these against each other to consider option at this stage in life. Thanks and all the best for 2025.

Hi Carla. Have signed up twice to your mini 5 day course via email. When does it start?

This year I wanna allocate my money properly, 2024 has passed and I can’t account what I really did with my money and this saddens me so much

Great video! Keeping it real and showing us your own investments. Insightful video!