Articles of Interest

December 6, 2022

Meet the Spirit Education Foundation Team

Dr. Armand Bam – Managing Director of The Spirit Foundation Dr Armand Bam completed his secondary schooling at Plumstead High […]
December 6, 2022

Ensure your Will is Signed Properly

The Durban High Court refused to condone a Will where the witnesses did not sign in each other’s and the […]
November 30, 2022

Corporate South Africa Finding it’s Voice

The power relationship between government and business is shifting perceptibly. The state is failing and the private sector is stepping […]
November 30, 2022

International Markets Commentary

International markets had a strong showing during October, even after data released by the US Federal Reserve showing unemployment numbers […]
November 30, 2022

Fixed Income Review

October provided some respite from the recent drawdowns in interest bearing markets and traditional riskier asset classes. We have seen […]
November 29, 2022

MTBPS Not so ‘tough love’ for SOEs

The financial conditions of state-owned enterprises (SOEs) are weak and some have deteriorated further since the February budget because of […]
November 28, 2022

Unit Trusts or Share Portfolios – Which is Best For You?

Warwick Eastern Cape Regional Manager, Rudi Oosthuizen shares his insights regarding the merits and benefits of personal share portfolios and […]
November 25, 2022

Warwick Wealth Matters – November 2022

WARWICK WEALTH MATTERS – SIGNS OF GREEN SHOOTS EMERGING I think we are all agreed, it’s been a long, tough […]
November 24, 2022

A Positive Medium-Term Budget Policy Statement (MTBPS)

Finance Minister, Enoch Godongwana, delivered the Medium-Term Budget Speech (MTBPS) on the 26th of October 2022. Overall, it was a […]
November 23, 2022

Greed is Good

Gordon Gekko, the arch-villain anti-hero of the 1987 film ‘Wall Street’ declared that ‘Greed is Good’. I cut my own […]
November 17, 2022

Spirit Education Foundation and Oxbridge

This week I was the guest of the Appleton Chairman, Tim Hughes, at a reception hosted by the UK High […]
November 15, 2022

Cadiz Asset Management Announced New MD and Chief Investment Officer

Cadiz Asset Management is now fully focused on Fixed Income investments, as a result, Adrian Meager, the Managing Director and […]
November 14, 2022

The Climate Change and Asset Management Dilemma

There is a rich irony to global oil companies declaring record profits immediately before the CoP 27 climate change conference […]
November 11, 2022

Spirit Wildlife Foundation

Observation of Rhinos Summer has well and truly arrived at Care for Wild. The temperatures are climbing daily and the […]
November 7, 2022

Russian Gunboat Diplomacy in Cape Town

The clock is ticking on the scheduled arrival in Cape Town of the private ‘yacht’ of sanctioned Russian steel tycoon, […]
November 3, 2022

Spirit Wildlife Foundation

Written by Michelle Henley, Director, Co-Foundation & Principal Researcher at Elephants Alive We have had the privilege of fitting collars […]
November 1, 2022

How Business Can Partner Effectively with the State

The success or failure of South Africa hinges to a considerable degree on state-business relations. Currently, they are poor and […]
October 31, 2022

The Political Price of Radical Economic Stupidity

Radical economic transformation has been the clarion cry of the populist left wing of the African National Congress since former […]
October 28, 2022

Why Fixed Income is so Important

First and foremost, investing in fixed income assets provides diversification from other asset classes such as equities, property, and currencies. […]
October 28, 2022

How long does it take to administer an Estate

Warwick has selected Appleton Fiduciary Services to provide Wills and Estate Administration services to its client base. Established in 1992, […]
October 27, 2022

Cadiz Asset Management Comments in Business Day on Medium-Term Budget

Bonds issued by the government and Eskom rallied on Wednesday after finance minister Enoch Godongwana delivered a medium-term budget that […]
October 27, 2022

Financial Markets Review

International Markets The third quarter of 2022 continued to be a volatile and turbulent period for world markets. Not only […]
October 26, 2022

Client Service and Client Care at Warwick Wealth

Written by Michael Feinberg, Warwick Wealth Regional Manager Western Cape The nature of financial products and services differs significantly from […]
October 25, 2022

Warwick Wealth Matters – October 2022

We are clearly living in extraordinary times. Governments and reserve banks globally are applying exceptional measures to bring inflation under […]
October 24, 2022

Preserving the Healing Balm of History

Article written by Ian Kilbride Yesterday, I was privileged to spend a memorable morning in the company of Rear Admiral […]
October 19, 2022

Spirit Wildlife Foundation

With the first small amounts of rainfall earlier this month, the dried-up mud pools became a haven in the tropical […]
October 17, 2022

Forty Shades of Grey Listing?

The consensus is that South Africa is about to be ‘grey-listed’ by the international Financial Action Task Force, of which, […]
October 13, 2022

Munnik sisters raise funds for SEF in memory of beloved Lynne

The unique legacy of our late beloved Lynne Munnik is being carried forward by her daughters, Julia Munnik and Alexandra […]
October 12, 2022

The FAB 4 Update

In January 2019, Spirit, Grey, Jemu and Lilli entered the first stages of rewilding and were released into the first […]
October 11, 2022

Building our Communities

Building communities requires many hands. The Spirit Community Foundation provides the guidance and expertise to assist you with your giving. […]
October 7, 2022

KIM KARDASHIAN AND PERSONAL FINANCE

At first glance, Kim Kardashian, Snoop Dogg and Siya Kolisi have little in common, apart from their celebrity. Yet, all […]
October 6, 2022

Spirit Foundation Newsletter

It is unusual to be in a position to make a meaningful difference to the lives of scholars, communities and […]
October 5, 2022

Truss’s Fortune Tied to the Pound?

The plunge in the pound sterling is the market’s brutal cold shower response to Trussonomics. While increasingly likely to be […]
October 4, 2022

Reasons to join Warwick Wealth

In this video, renowned Independent Financial Advisor, Andrew Paschalides, sets out his reasons for merging his financial practice with Warwick […]
September 30, 2022

Why National Wills month is important for you

Lauren Hean Appleton Managing Director From my nearly 20 years of experience in fiduciary services, I have seen far too […]
September 29, 2022

Corporate Reputation and Country Image

Renowned business leader, Sir Roger Carr, captured the essence of the challenge of establishing a good corporate reputation in observing […]
September 29, 2022

Warwick Fixed Income Review

It was all quiet on the home front ,with limited market moving events in the local headlines. Global risk sentiment […]
September 28, 2022

Warwick International Markets Review

Most international markets saw a weaker close for the month of August, as fears continued that more aggressive rate hikes […]
September 27, 2022

Warwick South African Financial Markets Review

The JSE followed global markets lower in August, with the JSE All Share Index ending the month down by 2.4%. […]
September 26, 2022

Asset Allocation is Key

Asset allocation is a term used in the investment industry, but what actually is it? Why is it important? How […]
September 21, 2022

What Does Client Care Really Mean?

We often reference the mantra of client care in our interactions with you, but this concept is seldom unpacked as […]
September 20, 2022

Warwick Wealth Matters – September 2022

To say that we are living in interesting times is an understatement. Market volatility is currently a characterising feature of […]
September 14, 2022

Appleton Times – September 2022

We have great pleasure in attaching your September 2022 edition of the Appleton Times. September celebrates National Wills Week and so […]
September 8, 2022

Treasury, Eskom and Investors

Treasury’s proposal to take on a significant portion of Eskom’s debt was applauded by investors, resulting in widespread tightening of […]
September 6, 2022

Spirit Community Foundation, The Prince and The Big Issue

The appearance of Prince William on the front cover of the South African edition of the Spirit Community Foundation-sponsored Big […]
September 6, 2022

Local Market Commentary

The local market recovered in line with global trends during July, up by just over 4% for the period. Sectors […]
September 2, 2022

Financial Green Shoots at Eskom

Eskom has been perched on the edge of a debt spiral for several years. Recent efforts to uproot corruption and […]
September 1, 2022

Is it whither or wither the mighty JSE?

Still one of the world’s great bourses, the JSEs decline as a platform for South African companies is in urgent […]
September 1, 2022

Good Reason not to exit the Market

Conrad Clifford, Warwick Wealth Director and Regional Manager, KZN “It’s waiting that helps you as an investor, and a lot […]
August 31, 2022

Should you consider Bitcoin as part of your Investment Portfolio?

Written by Marc Wiese, MD of Warwick Wealth With Bitcoin trading at US$20, 000 at the time of writing, it […]
August 24, 2022

Spirit Insider

FROM THE DESK OF THE CHAIRMAN AND CEO Like many of you who have travelled far with me over many […]
August 22, 2022

Bitcoin and the $300 Million Pizzas

Marc Wiese, Managing Director of Warwick Wealth On 31 October 2008, a pseudonymous individual or group, known only as Satoshi […]
August 19, 2022

The Master’s Office – One Step Forward – Two Steps Back

Appleton was relieved to be informed by the Fiduciary Institute of South Africa (FISA) that a breakthrough had been achieved […]
August 19, 2022

Is It Possible To Be An Ethical Investor?

Ignited by Milton Friedman’s 1970 famous piece in the New York Times entitled, “The social responsibility of business is to […]
August 19, 2022

International Markets Review

The drawdown in both equity and bond markets over the past six months has been one of the most severe […]
August 18, 2022

Warwick Wealth Matters – August 2022

Wealth Matters In 1992, renowned American political philosopher, Francis Fukuyama, wrote that we had reached ‘The End Of History’. How […]
August 17, 2022

Local Fixed Income Review

The key themes of the first quarter continued to dominate market movements during the second quarter of 2022. The ongoing […]
August 15, 2022

South African Local Market Overview Q2 2022

The local market saw a 12.3% decline for the second quarter of 2022, as recessionary fears and rising rates both […]
August 12, 2022

Warwick Wealth Merger Partner

Warwick is delighted to announce that well-known Cape Town independent financial advisor Lisa Searle, will be merging her practice, LS […]
August 11, 2022

The Importance of a Correctly Drafted Will

The preparation, drafting and signing of a Will is an act of responsibility, thoughtfulness and kindness. As uncomfortable as the […]
August 8, 2022

Don’t Lose Capital!

AT CADIZ ASSET MANAGEMENT, OUR FIRST RULE IS, ’DON’T LOSE CAPITAL’ This focuses our attention on where to start when […]
August 4, 2022

Market Overview Q2 2022

The local market saw a 12.3% decline for the second quarter of 2022, as recessionary fears and rising rates both […]
August 2, 2022

The Deadly Price of Trade in Rhino Horn

There is a brutal irony to game ranger, Anton Mzimba, being gunned down a mere five days before ‘celebrating’ World […]
August 2, 2022

Navigating Unchartered Waters

Global economic prospects are less bright than previously anticipated, driven by concerns of an accelerated interest rate-hiking cycle and the […]
August 1, 2022

Is Robo-Advice the Future?

The emergence of financial technology (Fintech), has presented many new and exciting opportunities, one of which is robo-advice. Robo-advice is […]
July 27, 2022

Erasing the ‘F’ word

The ‘F’ word has been creeping into the lexicon of the chattering classes more regularly of late. By the ‘F’ […]
July 25, 2022

Warwick Wealth Merger Partner

Renowned for the quality, range and diversity of his client base built up over three decades, professional financial advisor, Ian […]
July 25, 2022

Warwick Wealth Matters – July 2022

Wealth Matters Inflation, high-interest rates and market turbulence. These are not the features one would like to be talking about […]
July 21, 2022

CAMmunique, July 2022

We have pleasure in bringing to you the Cadiz CAMmunique second quarter 2022 investment update. The frequency and shrillness of […]
July 21, 2022

Warwick Wealth Mandela Day

“Education is the most powerful weapon which you can use to change the world.” Nelson Mandela In honour of Madiba, […]
July 20, 2022

A memorable night for me and Appleton with President Nelson Mandela

Spending an entire evening in the company of Nelson Mandela ranks as one of the most memorable times of my […]
July 13, 2022

Warwick Wealth Merger Partner

Renowned Gauteng Financial Advisor, Gregg Carr, is delighted to be merging his professional practice with Warwick Wealth. A forty-year veteran […]
July 11, 2022

Bye-bye Boris – lessons for leadership and accountability

The demise of Boris Johnson provides important lessons in leadership. Johnson was uniquely unfit to hold the office of UK […]
July 8, 2022

The variegated impact of inflation

What are the expectations for the future and how do we believe this will impact the local and international stock […]
July 8, 2022

Warwick Wealth Merger Partner

National private wealth specialists, Warwick Wealth, is delighted to announce that well-known Bloemfontein financial advisor, Chris de Lange, has merged […]
July 6, 2022

The beginning of the end, or end of the beginning for Crypto?

Crypto currency constitutes the most radical development in financial markets in decades. At its peak, the crypto currency market peaked […]
July 4, 2022

Warwick Wealth Matters – June 2022

Two classic quotes spring to mind when navigating turbulent markets. The first from Charlie Munger holds that “Waiting helps you […]
June 24, 2022

Royal endorsement is a ‘Big Issue’ for Warwick and Spirit

The Big Issue magazine was given a huge boost recently by Prince William taking to the streets of London to […]
June 22, 2022

Tackling Problems at the Master’s Office

Enormous power vests in the office of the Master of the High Court. But with power comes responsibility. The Master’s […]
June 20, 2022

Business and education

As my first-born son is about to graduate, I took to reflecting on the value of a university education in […]
June 16, 2022

International Markets

An exceptional, if not unique, correlation of factors is buffeting financial markets at the present, but we have enough experience […]
June 14, 2022

Local markets

STAY INVESTED AND MAINTAIN A LONG-TERM VIEW The global political and economic landscape has been in a state of flux […]
June 7, 2022

Warwick Wealth Matters

As Pliny the Elder noted, “Ex Africa semper aliquid novi” and there is always something new in Warwick too. So, […]
June 6, 2022

Celebrating The Spirit Wildlife Foundation

Sunday 5th June was World Environment Day, which presents an opportune time to profile the stellar work of the Spirit […]
June 6, 2022

Corporate lessons from Queen Elizabeth

In 1952, a 25-year-old mother of two young children with no formal education was thrust into one of the most […]
May 31, 2022

FINTECH – Danger, opportunity or financial fact of life?

Financial Technology (FinTech) has been around longer than most of us would acknowledge, yet millions across the globe remain blithely […]
May 4, 2022

Masiphumelele Rugby Club

Saturday the 23rd of April was a massive day in Warwick Masiphumelele Rugby Clubs history. It fielded for the first […]
April 29, 2022

Appleton Times April 2022

A message from the Appleton Managing Director. Fear, dread and denial are some of the terms that spring to mind […]
February 25, 2022

BUDGET 2022 – sober and pragmatic with some personal and corporate relief

Finance Minister Enoch Godongwana’s maiden budget speech was sober and pragmatic. The consolidated budget deficit is narrowing to 5,7% of […]
February 22, 2022

News Flash

With all the negative domestic news, it’s not surprising that many South African residents are considering externalising their wealth offshore.
December 17, 2021

SI The Insider Newsletter December 2021

FROM THE DESK OF THE CHAIRMAN AND CEO A year of growth, investment and forward planning has left us in […]
August 6, 2021

Warwick House View August 2021

International Market Overview World markets continued the positive tone set in the first quarter, new variants of Covid-19 notwithstanding The […]
May 15, 2021

iCaddies Joy Digital Version

Lockdown negatively impacted many industries around the world. While many of our readers may not be golfers or aware of […]
May 7, 2021

Warwick Wealth May 2021

By proactively reaching out to all clients as the pandemic raged during the tough months of 2020, Warwick Wealth has […]
April 5, 2021

Warwick House View April 2021

Sibanye-Stillwater (SSW) is a leading international precious metals producer, which mines and processes platinum group metals (PGMs) and gold. The […]
May 22, 2020

Exchange Rate Factors

With all the negative domestic news, it’s not surprising that many South African residents are considering externalising their wealth offshore.
March 4, 2020

Should I Stay Or Should I Go?

With all the negative domestic news, it’s not surprising that many South African residents are considering externalising their wealth offshore.
March 4, 2020

Investing Internationally: No Longer Merely An Option

As alluded to by our politicians on a daily basis, South Africa is experiencing many challenges! Uncertainty is the order of the day.
February 20, 2020

Offshore Investing a South African Perspective

With the 2020 tax filing season now open, many South Africans will be gearing up to complete their income tax returns.
February 18, 2020

How saving for retirement can reduce your taxes

With the 2020 tax filing season now open, many South Africans will be gearing up to complete their income tax returns.
February 17, 2020

Why you should consider investing directly offshore.

When you consider that South Africa’s stock market represents only 0.4% of the total world GDP, having offshore exposure makes logical sense.
February 11, 2020

A Global Investment Mind-set

As any prudent investment manager knows, diversification a cornerstones of any sensible investment strategy. Diversification is not only required between different asset classes, but also across borders into different economies.