Showing my R624k investing portfolio in South Africa at 32

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  • Опубликовано: 6 сен 2024

Комментарии • 95

  • @ntebalengmodise2249
    @ntebalengmodise2249 8 месяцев назад +7

    The difference from you and other people is that you go into detail and explain everything well. You are the best

  • @tumelomohale9766
    @tumelomohale9766 10 месяцев назад +21

    This is some of the realest content online. Thanks for your transparency and choosing to share with us!

    • @CasualCash
      @CasualCash  10 месяцев назад +4

      You are super welcome! When I started this channel nearly 2 years ago now, that was the kind of content I wanted to see. Not people talking theoretically, I wanted to see real world investments and breakdowns. See the real wins and losses so I could make my decisions. Like if you were chatting with a friend and showing them your EE portfolio on the screen and chatting about each company and what you thought was good and bad. And growing wealth together. So I'm really glad that you're enjoying that 😁!! Thank you!

  • @kiaradasilva5708
    @kiaradasilva5708 4 месяца назад +4

    I will be watching all your content. I am 32 and a new investor ❤

    • @CasualCash
      @CasualCash  4 месяца назад

      Love it! Thanks so much!

  • @BosVark1994
    @BosVark1994 10 месяцев назад +6

    When you decide to retire in 3 years just dont stop making videos i really like the channel and cant wait for new videos started investing some money 2months ago because of you keep up the good work🎉

    • @CasualCash
      @CasualCash  10 месяцев назад +1

      This is such a great comment. Thank you SO much! 😊 Don't worry, it is definitely part of the plan to keep making videos on this channel until I'm 50 or beyond. That's the beauty of the finance and investing world. It is never done, and there is always new things to explore and talk about and I'll always want to update you on the journey! 😊 Really appreciate it!

  • @gladmahlare2067
    @gladmahlare2067 9 месяцев назад +1

    You are the best, unlike other youtubers who speak in riddles, you are real with factual examples.

    • @CasualCash
      @CasualCash  9 месяцев назад

      Thank you so much, this is one of the best comments I have received :)

  • @leila691990
    @leila691990 Месяц назад +1

    New investor, il be watching a lot of ur videos and hopefully learn a lot!

    • @CasualCash
      @CasualCash  Месяц назад +1

      Amazing!! Thanks so much, I really appreciate it 😊

  • @jerrardkaira480
    @jerrardkaira480 10 месяцев назад +4

    Don't really understand the part about paying the car loan and gaining 9% interest

    • @CasualCash
      @CasualCash  10 месяцев назад +4

      Thanks for this 😊 Let me try again. So if I have R200K in a savings account I am earning 8% positive interest. But if I owe R100K on my car, I'm 'losing' 13.5% interest. So I'm losing interest by keeping it in savings. So I'll transfer R100K from savings, to pay off R100K from Wesbank/Car Loan.
      THEN, I pay myself back monthly. So if I'm saving R2,000 in my monthly Wesbank payment, I pay myself back and I charge myself 9% interest. It's all tracked on a spreadsheet. So instead of owing Wesbank, I owe myself the R100K and pay myself back.
      So I'm saving 13.5% interest from Wesbank, and because I'm charging myself 9% on my spreadsheet. I am making more interest than keeping that money in savings, but less than owing 13.5%.
      So simply, I borrow R100K from my savings, pay off my car, then pay my savings account back monthly with interest to myself.
      I hope that makes better sense 😄. If it doesn't, let me know and maybe I should then put it together better in a video with some graphics 😄

    • @finaldaylight3804
      @finaldaylight3804 10 месяцев назад +2

      @@CasualCash I also had a hard time understanding what you were talking about. Would be nice if you made that video with graphics for us visual learners😅

    • @CasualCash
      @CasualCash  10 месяцев назад

      Thoroughly noted, I will see what I can do 😄

    • @jesuslovesyou836
      @jesuslovesyou836 10 месяцев назад +2

      Thanks for explaining it in depth

    • @CasualCash
      @CasualCash  10 месяцев назад

      😊🙌

  • @rsvignesh1985
    @rsvignesh1985 10 месяцев назад +2

    Thank you. I have been following your videos and its inspirational to stay invested.

    • @CasualCash
      @CasualCash  9 месяцев назад

      That's incredible! Thank you so much for this comment :)

  • @anatiicabashe
    @anatiicabashe 5 месяцев назад +1

    I will be joining Casual Cash Club by 1st April. I'm super excited guys!
    🤠

    • @CasualCash
      @CasualCash  5 месяцев назад +1

      That is so awesome! I can't wait to have you there 😊🙌! Looking forward to it! 😁

  • @CASALEITAOLODGE
    @CASALEITAOLODGE 3 месяца назад +1

    Hi man, you’ve you have great content. try share your thoughts of how would you invets for example if you won “10 million rand loto” what would be your best approcah to invest that for retirment? Focusing on a index fund, or rather on dividens income? And is dividens income taxed?

  • @zandertheron5208
    @zandertheron5208 3 месяца назад

    I’m 20 yeas old in July and love your content been investing for about 3,5 years thank you for your help and your transparency, I’d just like to know why you are not prioritising a tfsa i plan to max mine by 30 and on track?

  • @eamsmac94
    @eamsmac94 10 месяцев назад +2

    Great video! Also really enjoying the content on Casual Cash Club!

    • @CasualCash
      @CasualCash  10 месяцев назад

      Thank you so much! Really appreciate it 😊 It's such a great community, really enjoying it there 🙌

  • @alltheworld8464
    @alltheworld8464 10 месяцев назад +4

    I always enjoy seeing your notification of a new video 😄! Thank you, very inspiring. What does Tyme Bank pay on savings? You said 7-11%?

    • @CasualCash
      @CasualCash  10 месяцев назад +2

      Ah thanks so much. Glad you're enjoying the videos 😊 Yes so the lowest rate you get with Tyme Bank is 7%, which builds up after a couple of months. But Tyme has a program where if you bank with them transactionally it goes up, such as having your salary deposited into your Tyme account. Things like that, if you do all of them it brings it up to 11%. So it's actually a great bank for savings interest 🙌

  • @tsepofenyane4582
    @tsepofenyane4582 Месяц назад

    I don't understand what you said there about paying yourself interest instead of a bank. Can someone please dumb this down for me.

  • @marlocloete9875
    @marlocloete9875 2 месяца назад

    FNB money maximiser gives 8.25% p/a also emmidiate acess

  • @finaldaylight3804
    @finaldaylight3804 10 месяцев назад +3

    Always love watching these portfolio update videos, i wish the updates happened every month 😅
    Thank you so much for the free trial!

    • @CasualCash
      @CasualCash  10 месяцев назад +1

      They are honestly one of my favorites to make as well 😄🙌! I dig them. It takes quite a while to make them and put them together, so will do them every now and then. But yes I do this update on the Casual Cash Club each month now. I really hope you enjoy it, it's such a cool community. I came across an email on Patreon showing me how to do the 7 days free. So awesome for everyone to be able to come in 😁🙌

    • @finaldaylight3804
      @finaldaylight3804 10 месяцев назад +1

      @@CasualCash I'll definitely join the free trial, if i like what i see then im becoming a paying member.
      Thanks once again for the lovely content

    • @CasualCash
      @CasualCash  10 месяцев назад +1

      Absolutely 😁🙌! But one way or another I'm really glad you're enjoying the content! Means the world 👌

  • @danielgottfriedstruwig7801
    @danielgottfriedstruwig7801 10 месяцев назад +1

    Great videos! You say you want to retire at 40. Can you maybe make a video on how you are planning to achieve this? What your goal is and how you are planning on achieving this?

    • @CasualCash
      @CasualCash  10 месяцев назад +6

      Hi Daniel,
      That is actually a brilliant suggestion. So much so that I have taken a note down in my video ideas section. I think that would be so interesting and fascinating to do and break down for you guys. Awesome suggestion! Thank you 😄 looks like I need to get to work!

    • @finaldaylight3804
      @finaldaylight3804 10 месяцев назад

      loving this idea.

  • @kirtankasiram1307
    @kirtankasiram1307 10 месяцев назад +2

    Hey. Thanks for an awesome video. Always look forward to your updates. Can you give more information on the interpersonal loan part of your portfolio where you pay yourself instead of a bank. I’m intrigued.

    • @CasualCash
      @CasualCash  10 месяцев назад +4

      Thanks for this 😊 Let me try again. So if I have R200K in a savings account I am earning 8% positive interest. But if I owe R100K on my car, I'm 'losing' 13.5% interest. So I'm losing interest by keeping it in savings. So I'll transfer R100K from savings, to pay off R100K from Wesbank/Car Loan.
      THEN, I pay myself back monthly. So if I'm saving R2,000 in my monthly Wesbank payment, I pay myself back and I charge myself 9% interest. It's all tracked on a spreadsheet. So instead of owing Wesbank, I owe myself the R100K and pay myself back.
      So I'm saving 13.5% interest from Wesbank, and because I'm charging myself 9% on my spreadsheet. I am making more interest than keeping that money in savings, but less than owing 13.5%.
      So simply, I borrow R100K from my savings, pay off my car, then pay my savings account back monthly with interest to myself.
      I hope that makes better sense 😄. If it doesn't, let me know and maybe I should then put it together better in a video with some graphics 😄

    • @kirtankasiram1307
      @kirtankasiram1307 10 месяцев назад +1

      Thank you so much. That’s makes a lot more sense. I think it would make a good video idea in the future. Having a visual illustration is always better. But I do understand. Thanks for taking the time to explain.

    • @nomfundomcetywa3099
      @nomfundomcetywa3099 3 месяца назад

      I still am lost a bit on this one and would love to understand this concept bit better as I want to bring interest on my home loan and car down

  • @hermanventer8019
    @hermanventer8019 10 месяцев назад +1

    Thanks my man. Love your vids

    • @CasualCash
      @CasualCash  10 месяцев назад

      Thank you so much. Really appreciate that!

  • @malusingidi5649
    @malusingidi5649 10 месяцев назад

    God bless you man...thank you for your transparency I really love what you doing for the world because my brother you are Changing the World for the better, nobody knows the price for Information hence some people(including myself) struggle to get it. And here you are giving it out, Siyabonga Mfwethu Phambili nge-Casual Cash Phambile 🎉🎉🎉🎉🎉🎉🎉😊

  • @anatiicabashe
    @anatiicabashe 5 месяцев назад +1

    Good day, Chris. Sorry for my delayed question. What are your monthly account charges in your Investec Prime Saver Account?

    • @CasualCash
      @CasualCash  5 месяцев назад +1

      They are 0 😊 there are no monthly or transaction fees on this account! It's brilliant!

  • @MarkyDicks
    @MarkyDicks 9 месяцев назад

    Good day Casual Cash. I am currently 20 years old. My question for you now is do I start practicing these strategies now with the little money I have, or carry on saving like I've been doing and start once I have the amount you have currently. If I do wait I will only be able to start the strategies when I hit 25 years old, with the factor that my growth in my savings doesn't decrease/increase every month currently.

  • @Ziziman172
    @Ziziman172 3 месяца назад

    Hi Cash!! What do you think of Harmony, Exxaro and AFM?

  • @calmingbabysleep1256
    @calmingbabysleep1256 10 месяцев назад +1

    ❤is there a possibility of easy equities going belly up and loosing money? Why did you decide not to invest in property ? Thanks again!!

    • @CasualCash
      @CasualCash  10 месяцев назад +1

      So there is the possibility of EE going belly up. But there is not the possibility of losing either money or shares, because of the way brokers have to be structured and report into the regulatory authorities. So EE does not hold any assets in their company, they are held separately. So the company can fail, but you will not lose your assets, you would just have to move them :)
      Property. I did invest in property previously and I sold it. There are a few reasons, but what I can tell you is that in the near future I am looking to start investing back into physical property again :) stay tuned.

    • @calmingbabysleep1256
      @calmingbabysleep1256 10 месяцев назад

      @@CasualCash does this principal apply to all brokers, eg franc app, revix , luno etc?

  • @justsaying1858
    @justsaying1858 9 месяцев назад +1

    The mystery stock is African Rainbow Minerals

    • @CasualCash
      @CasualCash  9 месяцев назад

      Unfortunately not 😊 it is in the property industry 😊

    • @beeble10
      @beeble10 7 месяцев назад

      Growth point

    • @justsaying1858
      @justsaying1858 7 месяцев назад

      @@beeble10 I'm going to check it out

  • @user-bk4su2uo1e
    @user-bk4su2uo1e 9 месяцев назад +2

    Really enjoyed this content! Is the 8.34% average dividend calculated on a annual or monthly payout?

    • @CasualCash
      @CasualCash  9 месяцев назад +1

      That is an annual payout, i really wish it was monthly haha :)

  • @robbenblacke65
    @robbenblacke65 10 месяцев назад +2

    Great video man! So I'll surely subscribe 😃
    Quick question though, as someone who's about to enter their thirties, and only now wanting to get into investing, if I wanted to replicate your exact Easy Equities portfolio, would you advise I should?? (I know you're not a financial advisor, but I'd like to know your answer/opinion; and I have a bit of disposable income that wouldn't hurt me if anything bad were to happen in the markets so don't worry I won't come screaming saying you advised me wrongly lol). 🤙🏾

    • @CasualCash
      @CasualCash  10 месяцев назад

      Hahahaha thank you so much 😄 great comment. I'm really glad you asked that. Well there are two answers, obviously I'm biased because I think it is quite a nice portfolio 😄. But I actually wouldn't necessarily advise to copy it exactly. For a couple reasons. The first is that if you're starting out, and maybe don't have R260K (maybe you do) you would likely be spreading yourself thin to try and invest in all of them. To start off with, it is probably better to focus on a few good ones. Which I'll give feedback on now. The second reason is that there are some of my investments which are situational. Where I invested because there was an opportunity at the time that there no longer is. For eg some of my UK stocks I invested when their market was down in Oct last year when they had some prime minister issues. It is 30% up, but won't have the same returns now.
      So I wouldn't copy exactly, if it were me I would start with some solid stocks or ETF's, and build those up. And in time see what others you are interested in to add. So perhaps to start with S&P500, or maybe Schwab Dividend Equity ETF.
      I think the main problem is spreading too thing trying to copy exactly. But could definitely take a few you like and slowly build up good positions in it.
      Hope this was some good feedback. But just investing to start with is amazing and wishing you the best of luck. Anymore questions just shout 😊

  • @son_of_whyachi9678
    @son_of_whyachi9678 10 месяцев назад +1

    Hey Chris I’m very confused… correct me if I’m wrong but shouldn’t you continue to DCA into the JSE TOP 40 especially now that it’s not doing well…
    On the hope that it’ll recover in the next 14 to 24 months

    • @CasualCash
      @CasualCash  10 месяцев назад

      No you are absolutely right! I might not have communicated too well at that part. But I still continue to dollar cost average into the Satrix40 each month. Also the S&P500 and FTSE100. So I continue to DCA in those, for exactly those reasons you mentioned. It is just the other SA shares I haven't topped up. Also, not to say that certain SA stocks are not a good investment right now. Many of them are. Just that with the limited funds to invest I put them in the USA market in the hopes of best returns. But I still think there are good returns in Satrix40 and SA in general. And yes I still DCA in Satrix40 and others 😊

  • @kirtankasiram1307
    @kirtankasiram1307 10 месяцев назад

    Also could you elaborate on how you came to choose the liberty mentenova wealth builder

  • @calmingbabysleep1256
    @calmingbabysleep1256 10 месяцев назад +1

    ❤ thank you for the video! What is your salary/ job?

    • @CasualCash
      @CasualCash  10 месяцев назад +1

      You are most welcome :) Unfortunately i cannot put my salary here because I have work colleagues who watch the channel and of course you cannot share that information with other staff. But I work as a Portfolio Manager for a property company :)

  • @bonganisibiya11
    @bonganisibiya11 9 месяцев назад +2

    Blud doesn't have a TFSA🤔? Or plans to live elsewhere? Informative content nonetheless 😊

    • @CasualCash
      @CasualCash  9 месяцев назад

      Sorry the R20K for Coronation Strategic Income is in my TFSA account :)

    • @bonganisibiya11
      @bonganisibiya11 9 месяцев назад

      @@CasualCash I see. Is there any reason why you don't max it out every year? Seems as though you have the resources to do so

  • @begginerm9339
    @begginerm9339 10 месяцев назад +1

    Big thanks uncl CC, question tho, these are common stocks or prefered stocks?

    • @CasualCash
      @CasualCash  10 месяцев назад +2

      Most welcome! 👊 These are all common stocks 👌 first time I've heard that question 😄

  • @ravashpather7412
    @ravashpather7412 10 месяцев назад +1

    Hi Chris, great video as usual. Been following your videos for a while. One question, Any reason you moved away from Tyme bank?

    • @CasualCash
      @CasualCash  10 месяцев назад +1

      Brilliant question. Yes there is a reason, but nothing bad. Simply Investec was offering 8.15% interest and Tyme Bank the highest I could get was 7%, without having to change me banking over to them. So simply it was just better interest and income at Investec for now. But Investec is linked to the prime interest rate, so one day when interest rates come down, it can come down back to 3.5% and then Tyme will be higher so I'll probably move back at that time. 😊

  • @chrispie5
    @chrispie5 9 месяцев назад

    What is your opinion about TFSA and endowment policies?

  • @agneswilliams
    @agneswilliams 9 месяцев назад +2

    What about your TFSA portfolio?

    • @CasualCash
      @CasualCash  9 месяцев назад

      Sorry the R20K for Coronation Strategic Income is in my TFSA account :)

  • @matthewp3613
    @matthewp3613 10 месяцев назад +1

    Great video. Please could you explain your loans section at the very end. Aren't Investec and Interpersonal loan the same thing? Or do you have two seperate accounts of R118k each.

    • @CasualCash
      @CasualCash  10 месяцев назад +1

      Two seperate things 😊
      Let me try again. So if I have R200K in a savings account I am earning 8% positive interest. But if I owe R100K on my car, I'm 'losing' 13.5% interest. So I'm losing interest by keeping it in savings. So I'll transfer R100K from savings, to pay off R100K from Wesbank/Car Loan.
      THEN, I pay myself back monthly. So if I'm saving R2,000 in my monthly Wesbank payment, I pay myself back and I charge myself 9% interest. It's all tracked on a spreadsheet. So instead of owing Wesbank, I owe myself the R100K and pay myself back.
      So I'm saving 13.5% interest from Wesbank, and because I'm charging myself 9% on my spreadsheet. I am making more interest than keeping that money in savings, but less than owing 13.5%.
      So simply, I borrow R100K from my savings, pay off my car, then pay my savings account back monthly with interest to myself.
      I hope that makes better sense 😄. If it doesn't, let me know and maybe I should then put it together better in a video with some graphics 😄

    • @matthewp3613
      @matthewp3613 10 месяцев назад

      @CasualCash thank you very much. I understand your method and agree it is a wiser way to 'borrow' money. So, in essence, your savings are roughly R200K. You decide to buy a car and pay R100K. Instead of marking that R100k as an expense, you mark it as a loan to yourself. Therefore, creating your own debt and increasing net worth.

  • @skboyable
    @skboyable 10 месяцев назад +1

    Hi
    Is there any rand based etf that invests in SCHD?

    • @CasualCash
      @CasualCash  10 месяцев назад

      Unfortunately there is no rand based investment that invests in the SCHD that I know of. I believe the only way to do it is through the USD account on EasyEquities (or other brokers). But I don't think it is too difficult to open that up and transfer over. if that is something you want to do :)

    • @skboyable
      @skboyable 10 месяцев назад

      @@CasualCash considered doing it on EE USA account however just considering the costs along the way be eating in the small DCA of my investments.

  • @AE-il4ub
    @AE-il4ub 10 месяцев назад

    Hi chris
    What do you recommend i should invest in as a beginner investor, would you invest in american/uk/sa stocks or try invest in all 3? also on what platform do you do your uk/american investments is it easyEquities also??

  • @stu1944
    @stu1944 10 месяцев назад +1

    Very interesting 👌

    • @CasualCash
      @CasualCash  9 месяцев назад +1

      Thank you! Cheers :)

  • @leonnchabeleng7150
    @leonnchabeleng7150 9 месяцев назад

    hey...
    how do you track when unit trusts will pay. I watched your unit trust video and bought the trusts that pay monthly in October but have not received a payout

  • @mixi2090
    @mixi2090 5 месяцев назад

    How tax did you pay on your dividends

  • @garyo7094
    @garyo7094 10 месяцев назад +1

    hey Chris, hope you are well...nice video, and thanks for the info, always interesting to see your portfolio. What about all those management fees/TER/TIC costs? You should add a column for that, to see what your true income values are?

    • @CasualCash
      @CasualCash  10 месяцев назад +1

      You are absolutely right. Those definitely do play a factor. Briefly in previous videos I have gone through the fees and costs of my ETF's. I think it would add another layer to be able to see the final returns, i will see if I can perhaps add that in :)

  • @ChiefMzongwana
    @ChiefMzongwana 10 месяцев назад +1

    What are your thoughts on invest in AUS stocks???

    • @CasualCash
      @CasualCash  10 месяцев назад

      Haha I have seen in the last 3 months that Aus stocks have been doing SO well. I have been hesitant because I don't know too much about the Aus market yet and their economic situation etc. It's been on my list but I need to learn more. What do you think about them at the moment?

    • @ChiefMzongwana
      @ChiefMzongwana 10 месяцев назад

      @@CasualCash honestly I think the AUS stocks are undervalued.There aren't as big as the US or EUR, and the growth of market is mild. There's potential in that market. It only needs recognition.

  • @relentless5376
    @relentless5376 9 месяцев назад

    What app do you use to invest in all these

  • @kingslymopeli1991
    @kingslymopeli1991 10 месяцев назад +2

    First comment + second viewer

    • @CasualCash
      @CasualCash  10 месяцев назад +1

      Hahaha nice, I think that deserves a special prize of some sort 😄🙌

  • @StarGazer-kz7fi
    @StarGazer-kz7fi 10 месяцев назад +1

    Hi Chris,
    Are the UK ETF's and stocks available on easy equities? the same for the unit trust?

    • @CasualCash
      @CasualCash  10 месяцев назад

      Hey there,
      Thanks for asking. Yes, everything I mentioned in this video in terms of stocks and ETF's is available on EasyEquities 😊. I keep my whole portfolio there.

  • @sherwyngouws1099
    @sherwyngouws1099 8 месяцев назад

    Hi. Thanks for the great video. Do you have any money in crypto? , if so, please share your strategy on crypto trading.