By: Sam Khoza
This presentation tackles
everything you need to know to maximise your financial performance, from
banking, budgeting, investment and property to estates and wills, insurance,
A feast is made for
laughter, and wine maketh merry; but money answereth all things.
“Investment planning is the process of examining
investment objectives, and then designing an investment strategy
that takes into account the impact of risk, inflation, taxation
in order to satisfy the needs of the client / investor.”
Hard work alone is
not enough to guarantee financial independence. You need an investment plan
that will make your money work for you.
To gain financial
independence, your money must work for you. You need to be smart about money
and you need to know your money’s enemies and friends.
Your money can
work for you only if you are clear about its job description. This is not
difficult, and most people will say “I want my money to make me rich”. This is
not a get rich quick scheme presentation.
Your money should
give you a real rate of return. This should be your money’s job description and
your principal financial goal.
your dream / goal / objective?
Condition your mind
way you think about money
Unlearning in progress
things for which you want money for.
Why do you need to be wealthy?
The principle of writing things
If you do
not write it down, then it does not exist. Any plan or vision that is not
written down will fail. Writing your budget will help you achieve your
The principle of making money serve
work for you versus you working for it. You can achieve this simple principle
by reviewing your relationship with money. Does it serve you or do you serve
The principle of self-rewarding
who benefits from your salary first, controls you.
benefits first from your hard-earned money?
creditors enjoy the fruits of our labour?
How do you
spend a Rand?
go to charity / church
yourself – (10% passive investment
and 10% spend it improving yourself)
The principle of diversification
risk in one’s investment portfolio. It is an essential requirement in the
mitigation of risk.
this context means spreading your investment risk between the various asset
classes. (Cash, Property, Bonds and Equity)
The principle of financial freedom
writing down all debts.
the debt according to the amounts owed.
the smaller debt first, while continuing to serve all other debts.
first debt is paid off, add the saved amount to the instalment of the second
The principle of creating an
financial seeds you plant today will germinate and grow into a forest. Apply
the seed planting and harvesting principles to your finances. Plants small
seeds (Savings), they will grow into a tree (Investments) and into a forest
(Wealth). What financial seeds are you
planting today? What savings and investment principle are you planting? The
season is now! The time is now! Don’t wait for the economy to improve.
Determine how you will save as a seed for an inheritance for your children and
I = Income
E = Equity
Leverage to create more
your fear and restraining greed
either live your dream or live in fear
+ No action = Expiration.