Cobus Van Schalkwyk, Warwick Wealth Director of Client Care  This article discusses the important Financial Intelligence Centre Act (FICA), looking […] The post Know your customer  appeared first on Ian Kilbride.

As we navigate the evolving landscape of wealth management, I want to take a moment to sharesome thoughts on how […] The post Warwick Wealth Matters – August appeared first on Ian Kilbride.

Marc Wiese, MD of Warwick Wealth According to National Treasury, less than 6% of South Africans retire comfortably, largely due […] The post The new Two Pot, or Three Component System, taking effect as from 1 September 2024.  appeared first on Ian Kilbride.

CADIZ BCI MONEY MARKET FUND The Cadiz Money Market Fund remains true to its mandate by consistently providing returns that […] The post Fund News – August appeared first on Ian Kilbride.

It has been an eventful first half of 2024, with the South African elections now behind us, but with significant […] The post Optimum – July appeared first on Ian Kilbride.

This month, we focus on key global and local market issues, as well as the new ‘Two Pot’ retirement system. […] The post Warwick Wealth Matters – July appeared first on Ian Kilbride.

Fab 4: This week, we experienced our first -4 degrees Celsius temperature drop in the veldt, with temperatures at the bomas dropping to -2 degrees. For Spirit, Jemu, Grey, and Lilli, this is far from their first winter in the Intensive Protection Zone. However, for Muddy, it is her first time experiencing the cold African winters. Unlike her mother and the rest of the crash, Muddy has her mother’s milk to sustain her and a mom to cuddle close to at night. Even so, she still likes to bury herself in the bales of teff and Lucerne brought by the caregivers to supplement the rhinos’ feeding during the dry season. With such cold temperatures, Lilli, Grey, and Jemu do not venture far at night. Instead, they stay close to Spirit and the rest of the crash, seeking warmth under the trees to avoid the cold dew of the grass. By morning, they are up early and already eating to help get their metabolism going. Then it’s off for a long walk to raise their core body temperatures and find where the sun hits the veldt first. The post Spirit Foundation Partner, Care For Wild appeared first on Ian Kilbride.

Two issues closest to the heart of Nelson Mandela, were children and education. So, it was fitting that on Mandela Day this year, the Spirit Foundation spent 18 July at the wonderful Floreat Primary School, during which time the companies within the Spirit Invest Group packed, wrapped and donated over 500 books to the school. The day was filled with home-grown musical talent, plays and motivational talks from staff, scholars and the Spirit Foundation. Following this, staff from The Spirit Foundation, the Spirit Invest Group, Warwick Wealth, Appleton and Orion Investment Managers all participated in reading exercises with the children ranging from Grade R right through to Grade seven. We thank Floreat Primary Principal, Mr Noel Isaacs and his staff for their inspiring leadership and allowing us to share this memorable day at this outstanding school. The post MADIBA WAS WITH US IN SPIRIT! appeared first on Ian Kilbride.

CADIZ BCI MONEY MARKET FUND The Cadiz Money Market Fund remains true to its mandate by consistently providing returns that outperform cash.  While the fund remains strategically positioned to take advantage of elevated interest rates, we are cognisant of the dynamics in the interest rate environment as we enter the second half of the calendar year. Managed within its prescribed mandate constraints, the fund is consistently outperforming its benchmark, the Alexander Forbes Short Term Fixed Interest (SteFI) composite index. In addition, it diligently ensures the maintenance of adequate liquidity levels while keeping volatility of returns low.  CADIZ BCI ENHANCED INCOME FUND The fund benefitted significantly from the strong performance of its exposure to nominal and inflation-linked bonds during the month of June. The exposure to floating rate notes and a diverse array of money market instruments also contributed to the positive performance achieved over the period. The fund maintained its long-standing track-record of delivering low volatility returns and focusing on growing wealth while limiting downside risks. Trading activities implemented during the month were driven by cash flows and reinvestment strategies, aligning with the fund’s objective of prudent portfolio management.  CADIZ BCI ABSOLUTE YIELD FUND The combined exposure to nominal and […] The post Cadiz Fund News appeared first on Ian Kilbride.

Fab 4 Horn Trimming: The trimming of rhino horns, formally known as dehorning, has reluctantly become a crucial layer of protection in the ongoing battle to save the species. This month, both Spirit and Grey had their horns trimmed, while Muddy underwent her very first horn trimming. Jemu and Lilli, who were trimmed last year, avoided the hustle and bustle of the operations teams. These operations are conducted under the strictest regulations. With 499 rhinos killed in South Africa in 2023, every possible measure must be taken to protect the rhinos in strongholds such as ours. Teams from South African National Parks (SANParks), Mpumalanga Tourism and Parks Agency (MTPA), and Wildlifevets.com joined the Care for Wild team for the operation. Horn trimming involves the safe removal of a significant portion of a rhino’s horn by a qualified and registered veterinarian. The rhino is darted, and part of the horn is removed with a chainsaw. The rough edges are then smoothed with a grinder. Since the entire horn cannot be removed due to the presence of blood vessels and nerve endings at its base, the procedure is similar to trimming fingernails; rhino horns are made of keratin and regrow at a […] The post Spirit Foundation Partner, Care For Wild: appeared first on Ian Kilbride.

As we enter the month of June, we are pleased to bring you the latest edition of ‘Wealth Matters’, where we delve into the intricacies of wealth management and financial insights tailored to meet your needs. Enjoy the read. The post Warwick Wealth Matters – June 2024 appeared first on Ian Kilbride.

Please find your copy of the Spirit Insider updating on all companies within the Group. Enjoy the read! The post Spirit Insider – June appeared first on Ian Kilbride.

We are pleased to bring to you the June edition of the Appleton Times, the contents of which we trust you will find useful and informative. Enjoy the read! The post Appleton Times – June 2024 appeared first on Ian Kilbride.

Warwick Managing Director, Marc Wiese, unpacks the options available to clients. As we enter the month of May, I am pleased to bring you the latest edition of ‘Wealth Matters’,where we delve into the intricacies of wealth management and financial insights tailored to meet your needs. Firstly, I would like to express my gratitude to each and every one of you for your continued trust and confidence in Warwick Wealth. It is our unwavering commitment to serving you with excellence that drives us forward in our mission to help you achieve your financial goals. In this edition, we will be discussing how to invest offshore or externalise one’s funds internationally. How to Invest Offshore:Explained in clear terms Over the past couple of decades, many South Africans have been asking the question: “How do I go about investing offshore?”, this may appear to be a complicated and tedious process, however, following the rights steps, it can be quite straightforward. Firstly, you need to consider whether the monies you wish to invest are currently in South Africa (in Rands) or already outside of South Africa in another jurisdiction or currency. In the case that monies are currently within South Africa, probably in […] The post Considering investing offshore? appeared first on Ian Kilbride.

As we enter the month of May, we are pleased to bring you the latest edition of ‘Wealth Matters’, where we delve into the intricacies of wealth management and financial insights tailored to meet your needs. The post Warwick Wealth Matters – May 2024 appeared first on Ian Kilbride.

CADIZ BCI MONEY MARKET FUND The Cadiz Money Market Fund continues to deliver on its mandate by consistently providing returns that outperform cash. The fund remains strategically positioned to take advantage of elevated interest rates, effectively reinvesting proceeds from maturing investments. Managed within its prescribed mandate constraints, the fund is consistently outperforming its benchmark, the Alexander Forbes Short Term Fixed Interest (SteFI) composite index. Additionally, it diligently ensures the maintenance of adequate liquidity levels while keeping volatility of returns low.  CADIZ BCI ENHANCED INCOME FUND The fund saw a diverse range of assets driving positive returns. Floating-rate notes took the lead, significantly contributing to the overall positive performance. Nominal bonds also played a crucial role, further boosting returns for the month. Despite their relatively small exposure, both money market instruments and inflation-linked bonds also made positive contributions to the monthly return. Overall, a positive month for the fund, maintaining the long-standing track-record of delivering low volatility returns and focusing on growing wealth, while limiting downside risks. Trading activities implemented during the month were driven by cash flows and reinvestment strategies, aligning with the fund’s objective of prudent portfolio management.  CADIZ BCI ABSOLUTE YIELD FUND The fund benefitted from its exposure […] The post Fund News – May appeared first on Ian Kilbride.

As April ushers in new beginnings, we are delighted to bring you the latest edition of Warwick Wealth Matters. It’s been an eventful month, filled with both challenges and triumphs, and we’re excited to share our journey with you. The post Warwick Wealth Matters – April 2024 appeared first on Ian Kilbride.