Retirement Planning
Ageing and retirement preparation - The Imperfect Path to Retirement
Discover the true equation for a healthy retirement.
20 June 2025
Retirement Planning
Ageing and retirement preparation - The Imperfect Path to Retirement
Discover the true equation for a healthy retirement.
20 June 2025
Retirement Planning
Life insurance versus funeral cover: Why it's vital to understand the difference.
20 June 2025
Retirement Planning
Two-Pot Retirement System
What the public response to the two-pot system reveals about SA's retirement industry
20 June 2025
Investor Education
Exchange rate mechanisms in emerging markets
Exchange rates play a crucial role in the economic stability and growth of any country, but they are particularly significant in emerging markets. These markets, including countries such as South Africa, Brazil, India and Turkey, often experience higher volatility in their exchange rates due to factors such as capital flows, political uncertainty, and global economic trends. Understanding how exchange rate mechanisms function in these economies is essential for policymakers, businesses and investors alike.
27 March 2025
Investor Education
Basics of rand-cost averaging
Rand-cost averaging (RCA) is an investment strategy that, in theory, minimises the impact of market volatility by investing in a company over time, instead of investing a lump sum at once. By investing a fixed amount of money regularly, investors buy more shares when prices are low and fewer shares when prices are high. This approach can help reduce the average cost per share over time, mitigating the risks associated with market fluctuations.
16 January 2025
Investor Education
Analysing cash flow statements
In analysing the investment merits of a specific company, the cash flow statement serves as a critical document, often overshadowed by the income statement and balance sheet. However, its importance cannot be overstated. A comprehensive analysis of the cash flow statement will provide investors with crucial insights into a company's liquidity, solvency, and overall financial health.
20 September 2024
Retirement Planning
Ageing and retirement preparation - The Imperfect Path to Retirement
20 June 2025
Retirement Planning
Life insurance versus funeral cover: Why it's vital to understand the difference.
20 June 2025
Disclaimer
This Publication note is issued by FNB for the information of clients only and should not be produced in whole or part without prior permission. Although FNB is an Authorised Financial Services Provider, any opinions and/or analysis contained in this Publication are for informational purposes only and should not be considered advice, including but not limited to financial, legal or tax advice, or a recommendation to invest in any security or to adopt any investment strategy. The information contained herein has been obtained from sources/persons which we believe to be reliable. Still, it is not guaranteed for correctness, completeness or otherwise. We do not assume liability for loss arising from errors in the information or that may be suffered from using or relying on the information contained herein, irrespective of whether there has been any negligence by us, our affiliates or any other employees of ours, and whether such losses are direct or consequential. As market and economic conditions are subject to rapid change, any comments, opinions and analyses are rendered as of the date of publishing and may change without notice. Such changes may have a material impact on the outcome of any investment. Securities involve a degree of risk and are volatile instruments. Past performance is not indicative of future performance. Securities or financial instruments mentioned in the Publication note may not be suitable for all investors, and FNB bears no responsibility whatsoever arising from or as a consequence thereof. The material is not intended as a complete analysis of every material fact regarding any share, instrument, sector, region, market, country, investment or strategy. The recipient of this Publication must make their own investment decision and is advised to contact their relationship manager for a personal financial analysis before making any investment decisions. Copyright 2023.
