Ghost Stories

• Ghost Stories #74: Start young, stay invested - and use the digital tools at your disposal (with Lauren Jacobs of Satrix)

  The digital generation has access to more information and tools than ever before. But the more things change, the more they stay the same: one of the most powerful tools of all remains the benefit of starting young and entrenching the right money habits from as early as possible in your life. And yes, this includes investing on behalf of your children! In this episode of Ghost Stories, Lauren Jacobs (Senior Portfolio Manager at Satrix) joined me for a candid discussion about her approach to entrenching the right financial behaviours from early in her career and the journey of investing for her family. We also talked about the value of learning by doing, which means testing out the market and banking the hard lessons sooner rather than later! The concept of "time in the market" is one of the most powerful wealth creation strategies of them all. If you are looking for the inspiration to just start, or a refresher on why those tough-to-form habits are so worthwhile, then you'll love this discussion. This podcast was first published here. For more information, visit https://satrix.co.za/products *Satrix is a division of Sanlam Investment Management. Disclaimer: Satrix Investments (Pty) Ltd & Satrix Managers (RF) (Pty) Ltd is an authorised financial services provider. The information does not constitute advice as contemplated in FAIS. Use or rely on this information at your own risk. While every effort has been made to ensure the reasonableness and accuracy of the information contained in this document (“the information”), the FSP’s, its shareholders, subsidiaries, clients, agents, officers and employees do not make any representations or warranties regarding the accuracy or suitability of the information and shall not be held responsible and disclaims all liability for any loss, liability and damage whatsoever suffered as a result of or which may be attributable, directly or indirectly, to any use of or reliance upon the information. Consult your financial advisor before making an investment decision. Tax Free Savings Accounts: Annual limit of R36000, lifetime limit of R500 000, 40% tax penalty applicable for contributions above the limit, per individual. 

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• Ghost Stories #73: STADIO - A bright future for students and shareholders

  STADIO Holdings is enjoying excellent support in the market for its strategy, evidenced by a strong share price performance in a year when the shine has come off many SA Inc. stocks. This begs the question: how are they getting it right? CEO Chris Vorster and CFO Ishak Kula joined me on this podcast to talk about not just the recent performance, but also the major growth drivers that underpin the medium-term targets. The discussion includes insights into: STADIO's core DNA and the principles that guide the business. The importance of communication with the market, including on financial targets. Key focus areas of institutional investors based on discussions at recent roadshows and conferences. Developments in the underlying business in areas like the Durbanville Campus and AFDA. The broader strategy around the road to being recognised as a university. The value of AI in the business and other shared services. The medium-term goals for student growth, margins and return on equity. My thanks to STADIO for valuing the Ghost Mail audience and recognising the importance of sharing this level of insight with the retail investor base. Please note that this podcast is brought to you by STADIO Holdings. The goal is to give you further insights into the strategy and business model based on recent company announcements. I crafted the questions myself, without any influence from the business. Please note that as always, nothing new here is financial advice and you should not interpret this podcast as an endorsement of the company. Instead use it as part of your broader research process in your portfolio and be sure to refer to STADIO’s announcements and reports for more information.  

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• Ghost Stories #72: Superbalist to Bash - from startup exits to an omnichannel masterclass at TFG

  Claude Hanan and Luke Jedeikin have quite the story to tell. For roughly 15 years, they've been at the forefront of eCommerce and omnichannel business development in South Africa. With brands like Superbalist and Bash under their belts, this duo made the journey from indie startup founders to corporate executives responsible for driving growth in groups like Takealot and The Foschini Group (TFG). Within TFG, Claude and Luke are redefining how omnichannel retail works in South Africa. This strategy is a core growth engine at TFG and contributes to the group's moat in South Africa. But what are the secrets of omnichannel retail and why is it so successful? What sets it apart from eCommerce? And what are the key ingredients that a retailer actually needs before they can take this step, proving that implementation is always much harder than having ideas? Get ready for an omnichannel masterclass from two of the most respected names in retail in South Africa. This podcast is brought to you by The Foschini Group and Bash and is for informational purposes only. Please treat it as just one part of your research into companies like The Foschini Group and remember that at all times, nothing included in this podcast should be taken as investment advice.   

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• Ghost Stories #71: ETFs are like a box of biscuits - how do you pick a flavour?

  Exchange Traded Funds (ETFs) offer diversified exposure through a single investment, just like buying a box of biscuits and getting to enjoy a variety of flavours inside. But if you don't know how to read a fact sheet or assess which ETFs you like, then there's no way of knowing what's in the box. We don't buy biscuits without the packaging making it clear what's inside. We shouldn't buy ETFs like that either! To help bridge the gap and enhance your understanding of what to look for when selecting ETFs and reading fact sheets, Siyabulela Nomoyi (Quantitative Portfolio Manager at Satrix*) joined me on this podcast. It offers an excellent learning experience for both experienced and newer investors in ETFs. This podcast was first published here. For more information, visit https://satrix.co.za/products *Satrix is a division of Sanlam Investment Management. Disclaimer: Satrix Investments (Pty) Ltd & Satrix Managers (RF) (Pty) Ltd is an authorised financial services provider. The information does not constitute advice as contemplated in FAIS. Use or rely on this information at your own risk. Consult your Financial Adviser before making an investment decision. While every effort has been made to ensure the reasonableness and accuracy of the information contained in this document (“the information”), the FSP’s, its shareholders, subsidiaries, clients, agents, officers and employees do not make any representations or warranties regarding the accuracy or suitability of the information and shall not be held responsible and disclaims all liability for any loss, liability and damage whatsoever suffered as a result of or which may be attributable, directly or indirectly, to any use of or reliance upon the information. For more information, visit https://satrix.co.za/products

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• Ghost Stories #70: A structured way to invest in China

  China offers an exciting emerging markets opportunity, driven by the country's vast manufacturing base and the progress made in areas like artificial technology. But geopolitical risks and the volatility that plagues emerging markets is also present, making it more difficult for investors to add exposure to this market. With the launch of two new structured products that reference the Shanghai Shenzhen CSI 300 index, Investec has sculpted two payoff profiles that could appeal to investors of varying risk tolerances. With a combination of mechanisms that create capital protection and enhanced upside under certain outcomes, these products aim to take advantage of the opportunity in China, while reducing the overall risks. Brian McMillan and James Cook of Investec joined me to talk through not just the appeal of China, but also the way in which the two products work. There's a wealth of information in this discussion on the Investec ZAR CSI 300 Digital Plus and the Investec USD CSI 300 Geared Growth products. Applications close on 13 August, so you must move quickly if you are interested in investing. As always, it is recommended that you discuss any such investment with your financial advisor. You can find all the information you need on the Investec website at this link. Disclaimer

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