Comprehensive retirement investment intelligence for SA investors
Retire with peace of mind.
Investing for the long term
Are you actually an investor? Or are you simply putting money aside and hoping it becomes wealth?
We spend years being taught how to earn money. School prepares us for employment. Qualifications prepare us for a career. Our first salary teaches us what we can afford. But very few of us are taught the next question: What should happen to the money after you earn...
Buffett Made Almost All of His $144 Billion Fortune After Turning 65. Here’s the Proof, and the Three Times It Nearly Didn’t Happen
What You Will Learn From This Article Whether the viral claim that Buffett earned 98% of his wealth after age 65 actually holds up, using his real, documented net worth history Three specific, well-documented periods where Buffett's wealth or reputation took a genuine...
South Africa’s Demographic Dividend: The Opportunity in the Data, and the Reality Check
What You Will Learn From This Article What the Bureau of Market Research's August 2026 population report actually found, in plain terms What a "demographic dividend" is, and why South Africa's population structure currently offers one The stark, current unemployment...
Europe’s National Debt: The EU as a Whole, and Its Five Most Indebted Countries
What You Will Learn From This Article How European Union government debt has moved from the Maastricht Treaty era to today, and why the crisis pattern looks different from the US or South Africa Which five EU countries carry the highest debt burdens, and how each one...
From 24% to 79%: South Africa’s National Debt Under Five Presidents
What You Will Learn From This Article How South Africa's national debt has moved from 1994 to today, tracked against each president's term in office Why debt actually fell for most of the country's first 14 years of democracy, and what specifically reversed...
Why Smart People Lose Money: An Introduction to Behavioral Investing Principles
What You Will Learn From This Article Where the idea of "behavioral investing" actually comes from, and why it isn't just a Charlie Munger invention The difference between the academic and the practical traditions that both arrived at the same conclusions A short...
Where Your Returns Actually Go, and What Buffett Does About It
What You Will Learn From This Article Buffett's Gotrocks parable, and the specific insight it captures about fees The result of Buffett's famous $1 million bet against the hedge fund industry, and why it matters Why Buffett recommends low-cost index funds to ordinary...
Meet Mr. Market: The Business Partner Who’s Trying to Trick You
What You Will Learn From This Article The origin of the Mr. Market allegory, and why Buffett kept retelling it for over half a century What Mr. Market actually represents, and what he doesn't Why treating a daily price as a verdict on value is the exact mistake...
Why Doing Less Is a Strategy
What You Will Learn From This Article Munger's case for what he bluntly called "sit on your ass" investing Buffett's twenty-slot punch card thought experiment, and what it's actually trying to teach Why constant activity so often gets mistaken for skill or progress A...
Invert, Always Invert: The Question That Could Save Your Retirement Savings
What You Will Learn From This Article Where Munger's favourite mental tool actually came from, and why he adopted it so completely The difference between asking how to succeed and asking how you'd fail, and why the second question catches things the first one misses...
The One Mistake That Turns a Bad Year Into a Permanent Loss
What You Will Learn From This Article Why Munger and Buffett both singled out leverage as uniquely dangerous, compared to ordinary investment risk The specific mechanism by which borrowed money turns a temporary decline into a permanent loss Where this shows up beyond...
It’s Not Greed That Ruins Investors. It’s Envy
What You Will Learn From This Article Why Charlie Munger repeatedly named envy, not greed, as one of the most destructive human emotions How envy specifically, rather than greed, actually shows up in bad investment decisions Why envy is a uniquely bad deal, all the...