The Portfolio Chef: Satisfy Your Investment Appetite


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So why are financial education programmes so unsuccessful? Myths about financial education programmes There are misconceptions about the way an effective financial education programme should be structured. As a result, many fund members become disengaged from their benefits. Here are. Employee Benefits some issues we need to tackle if we want retirement fund members to become more engaged and improve their retirement prospects. Reality: The best financial literacy programme will fail if we cannot first help people to identify areas where they can reasonably afford to save.

One way of identifying those areas is a detailed study of the saving and spending behaviour of people who are grouped according to characteristics like where they live, number of children and level of education. Reality: We simply cannot make any assumptions about the levels of financial literacy of fund members.

Instead we have to explain things in plain language and explain complex concepts to interested fund members. This could be done online where it is easily accessible. Another way to create awareness about healthy finances is with posters in break areas and canteens. Myth: Projection statements tell members everything they need to know. Reality: Nothing is certain in a DC environment and funds often rely on the projection statement to show up the uncertainty. A good statement has a clear objective to prompt members to take specific action to improve their retirement outcomes , is short and sweet, and conveys the message in simple, non-technical language.

Myth: A one-size-fits-all financial education programme is best. Topics that might appeal to a person close to retirement will not appeal to a young fund member. Employers in umbrella funds may also resent the extra cost of financial education programmes. Studies show that organisations with high employee engagement levels have an improvement in operating income of In contrast, organisations with poor employee engagement levels saw a decline in operating income of This is a real incentive for companies to restructure their benefits programme: showing people the value of employee benefits leads to a healthier, more engaged workforce and an increase in the profitability of an organisation.

Retirement Preparing for your post-retirement medical care needs Purchasing the correct annuity product Know your government grants Budgeting in retirement. An international Dilemma If an individual owns foreign offshore assets, the question arises as to whether more than one will is required. The reason for this, is that the provisions in a will made in one jurisdiction may not necessarily be recognised in another jurisdiction where the offshore assets are registered.

Also, even though one will could be used, there may be practical advantages in having an additional will. For example, a South African will would not be effective to deal with a house in Jersey, unless the necessary formalities of having read the will out loud and witnessed by a notary public had been observed. Another example involves civil law jurisdictions, such as those found predominantly in mainland Europe, where those jurisdictions have statutory rights forced heirship for certain family members to inherit, regardless of what is stipulated in a will. Therefore, depending on the foreign jurisdiction, a South African will may not remove the effect of forced heirship where the offshore assets are located in a civil law jurisdiction.

Another common query is why an offshore will is necessary at all if the executor has the authority provided by South African letters of executorship. The answer is that the majority of asset holders registered outside of South Africa will not recognise letters of executorship and will request a local probate court authority or a local notarial declaration depending on the jurisdiction before they will allow an executor to administer the asset.

Broadly speaking, the options for dealing with offshore assets are: a single will, which governs the worldwide estate; a will limited to the jurisdiction where the offshore asset is situated; or a will dealing with worldwide assets outside the country of domicile permanent residence. Each of these options has its own advantages depending on the nature of the offshore assets and in which jurisdiction they are situated.

The starting point for analysing how the will or wills should be structured is to consider what formalities will have to be followed in the foreign jurisdiction to facilitate the succession. This analysis will be illustrated with the following examples:. Case for one worldwide will The first example is where an individual is domiciled in South Africa and the only offshore asset is a bank account registered in England. In this instance, the will draftsman should consider what the formalities will be, if the testator passes away, to administer the bank account in England. In this case, the will draftsman may consider that one worldwide will is appropriate.

The only drawback is that the South African administration and English administration cannot be conducted simultaneously. Before the letters of executorship can be resealed, court seals and certified copies of the letters of executorship will first have to be obtained, which may take many months. However, the draftsman may consider that the slight delay in administering the English account is not worth the trouble of preparing two wills. Case for a domicile will and will outside of the jurisdiction The second example is that of an individual who is domiciled in South Africa, but also owns unit trusts in Jersey, a bank account in the Isle of Man and stocks and shares in England.

In this example, the assets are located in four different jurisdictions. Preparing four wills could be quite a messy and dangerous exercise and not appropriate in these circumstances. A practical solution would be to have the domicile home will, limited to South Africa only. In addition, there should be an offshore will, which applies to all jurisdictions outside of South Africa. The offshore will could then be used to administer the assets in Jersey, Isle of Man and England.

Case for a worldwide will and separate will limited to one jurisdiction A third example is where an individual is domiciled in South Africa, an Italian national, and owns a holiday home in Italy, which is a civil law jurisdiction. In this example, alarm bells should be ringing for the will draftsman in South Africa as there may possibly depending on the family be forced heirship issues to consider. Also, where immovable property such as land and houses is owned abroad, an offshore will is almost always advisable and, where forced heirship might arise, necessary.

This may be because the foreign jurisdiction will only recognise a local will to dispose of property in their jurisdiction or because an offshore will can be given authority and used in a more timely fashion, which will then enable the executor to deal with the property more efficiently.

In this example, it would be appropriate for the South African will draftsman to prepare a worldwide will excluding Italy and, at the same time, advise the client that they must have an Italian will dealing with their Italian estate only. Obtaining advice Cross-border estates require careful planning and it is always recommended that a professional, such as a qualified FISA member, is consulted to advise on the most appropriate will structuring.

Tips for individuals: 1. Always advise a will draftsman if you own foreign assets. Do not assume that a South African will can adequately dispose of foreign assets in the way that you wish. Always advise a will draftsman if you already have an offshore will. If you do not mention this, a later will may accidentally revoke your offshore will, which is already in existence.

Look carefully at which jurisdiction your assets are registered. It is no good asking for a will limited to the United Kingdom when you hold assets in one of the Channel Islands, such as Jersey or Guernsey. Where you own immovable property abroad, it is almost always essential to have a local will in place to deal with the succession of the property. In this case, it is customary to obtain advice from a lawyer in the jurisdiction where the property is situated.

Remember that if you are a foreign national of a civil law jurisdiction, there may be forced heirship compulsory shares to family members to consider. When an offshore will is signed in South Africa, depending in which jurisdiction the offshore will is to be used, there are specific signing formalities that need to be followed and a professional, such as a member of FISA, should advise on these formalities. In the memorandum of understanding MoU , the parties wish to explore possible areas of collaboration between them in general and with regard to CPD in particular. The FPI and FISA undertakes to co-operate on mutually beneficial terms, in terms of enhancing the value to their respective members, specifically in the area of educational, training and other methods of enhancing member competence.

The door for collaboration has been opened. The FPI hopes that members will find this collaboration useful, especially for members with a focus on estate and trusts planning. It is important that we engage and work together with organisations in areas of financial planning such as estates and trusts. Our professional members can only benefit from this.

If financial planning is to be an integral part in the lives of most South Africans, it stands to reason that we should always have the interest of consumers at heart. Asked whether 12 members is a realistic and attainable figure, he said the FPI is confident of increasing its membership levels because it has seen numbers grow steadily over the years and various measures are in place to meet this goal.

Focus will be devoted to increasing member numbers in provinces such as Northern Cape, North West and Limpopo. There are financial planners across these three provinces while in Gauteng there are about 3 members, followed by the Western Cape and KwaZulu-Natal; both provinces have 1 and members respectively. Learn anywhere, anytime. Simply register for free, buy courses and complete the online questionnaires.

The ICAI was founded to combat cheating, plagiarism and academic dishonesty in higher education. Its mission has since expanded to include the cultivation of cultures of integrity in academic communities throughout the world. ICAI offers assessment services, resources and consultations to its member institutions, and facilitates conversations on academic integrity topics each year at its annual conference.

In order to meet the continually evolving needs of membership in future years, ICAI will encourage, support and share research that predicts, describes and responds to trends and issues relating to academic integrity standards and practices with the FPI. Members like the FPI have made great strides in improving. I have no doubt that they will be a valuable addition to the FPI and we look forward to working with them. Johan Erwee holds BCom and LLB degrees from the University of the Free State and obtained additional formal qualifications in financial planning, taxation, estates and trusts.

David Kop has been appointed as senior policy and research manager. His area of focus is creating a stable research and policy framework to ensure the FPI continues to play a critical role in policyrelated matters that affect the financial services industry. I trust their valuable experience will be key in helping promote the importance of financial planning in South Africa. I remember her using the furniture in our house as her drums until we bought her a real set. She dreams of becoming a professional musician when she grows up. Old Mutual took her to the Johannesburg Philharmonic Orchestra, where she got to play with them and experience her dream, 15 years before it comes true.

Call 60 60 60 or contact your Old Mutual Financial Adviser or your Broker to get an education plan. Let us join you through every stage in your life journey, from today.

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Magauta Mokoena — Old Mutual Customer. Since its successful launch in September , the programme has reached over consumers nationally. The programme has been very popular and FPI has been invited to many employers, churches and other community groups. Next stop was Rhema Church on 18 February. Forty staff members attended the session, and again the feedback was very positive. It got our entire team thinking about how they handle their finances, and we have launched a budgeting challenge among staff members as a result.

The aim of the programme is to actively engage all South Africans to consider and ponder their personal financial planning responsibilities and goals. The programme also aims to introduce the public to the concept of a personal financial guide, a guide that stands for ethics and competency. This annual event will highlight all relevant legislative changes. Marius Botha and Wessel Oosthuizen will share new developments in the financial planning arena to make for an informative, structured sharing of information session.

Proposed dates 12 13 18 19 20 The bottom line is that times are changing and, as planning professionals, we should anticipate and react to this reality. Three case studies are analysed and discussed. The latest legislation affecting certain areas of estate planning is also covered. Buy and Sell Arrangements — Carmen Venter Learning how to interpret complex business structures and tax issues in buy-and-sell arrangements by means of a case study, which will enable financial planners to approach buyand-sell assurance opportunities in a practical way.

Dawie Smith This DVD focuses on what the mind shift from transactional-mindedness to transitionmindedness entails; what it means; and why it is imperative to make such a shift. We will look at various practical approaches to build, develop and maintain long-lasting, sustainable client relationships.

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The Connection and Coaching Engagement — Nigel Wilmot This DVD describes the core factors that determine whether the financial planner will make the lasting client connection. We will explain what it means to start the conversation with the heart, move to the head, and end back at the heart. It focuses on relationship building, connection, empathy and coaching. The Financial Planning Institute concluded what has been billed as the most successful of its annual conventions. The event was attended by over 1 delegates at the Sandton Convention Centre on 11 and 12 June As the FPI, we are committed to getting the industry talk about ways of ensuring that we continue to build an industry that is inclusive.

Of importance, however, is to ensure that we continue to promote the role played by financial planners in South Africa. Former chief executive of McCarthy Limited, Brand Pretorious, talked about business strategies in a rapidly changing environment and the importance of delivering value to customers. Renowned South African economist, Christ Hart, spoke about the inevitability of challenging conventional wisdom in financial planning, touching on key issues such as risk assessment and investment objectives. Consumers and suppliers of healthcare services are becoming more and more aware of prescribed minimum benefits PMB.

However, not everything they think they know is actually fact. As an advisor, what do you need to know about the practical implementation of prescribed minimum benefits? Must a medical aid pay in full for any prescribed minimum benefit? The short answer is yes; the medical aid must pay in full, meaning the full cost for the diagnosis, treatment and care costs of a prescribed minimum benefit.

However PMBs are, as the name indicates, minimum benefits and, as stated by the Department of Health, are not intended to give doctors a blank cheque as some providers seem to think. She had surgery in May under diagnosis code L. She had with her a letter from the anaesthetist, which had been attached to her bill, telling her this was a PMB diagnosis code and thus she is entitled to be paid in full by the medical scheme.

Her medical bills for a day admission came to R15 , of which medical aid paid R9 Herein lies the first lesson. The invoices were submitted under a PMB diagnosis code; however, the medical aid paid at its rate. As advisors, this teaches us that schemes and this applies to every scheme we have dealt with so far , do not automatically pay in full and waiver copayments for PMBs. In every PMB case, some application of intelligence is needed.

If your clients do not know what they are entitled to, they will not receive it. The scheme responded by asking for a clinically detailed explanation of why this was an emergency. This is the second lesson. As per the law, any emergency is a PMB. In an emergency, the patient is entitled to seek medical treatment from the nearest service provider and the scheme must pay in full. If it was not, they would have a right to refuse payment in full. We referred back to the law which states that a PMB is an emergency or one of the diagnosis codes.

She saw the doctor 10 days before she had the surgery. If we accept that it was not an emergency, how were we to proceed? In the case of treatment that is not an emergency, a patient is required to use a designated service provider. Designated service providers DSP are chosen by the scheme, sometimes called network providers. If a patient voluntarily uses a non-designated service provider, the scheme is not liable to pay in full. What followed was a minute call to the scheme.

We were then told that Mrs Y had been notified that use of a non-DSP could result in a shortfall and she would be liable when her authorisation was given. This is standard protocol when an authorisation is given; however, it still does not tell us who the DSP is. We were told that a DSP search can be done only by specific location and practitioner type. We informed the agent we needed a urologist and an anaesthetist in that city.

She was told to use a DSP and did not. But there is no DSP in her area anyway. The law is clear — in the case of the unavailability of a DSP within a reasonable time and proximity, the use of a non-DSP is constituted involuntary. How was a year-old retired woman going to fight this case alone? This case illustrates that the law is not as complicated as it may seem.

But you need to know the law if you wish to successfully challenge the payment of a claim. Service providers will tell you that you are entitled to full payment as soon as any PMB diagnosis code is used. They are not always correct. Regardless of whether a diagnosis is a PMB or not, schemes will in most cases pay to their rates and apply co-payments as with any other diagnosis. As an advisor, you will need to intervene, at least to tell the client what they are entitled to.

You really should do this before the treatment is given if possible. Members of schemes must make an effort to use designated service providers when possible. Doctors will often argue something was a medical emergency when the patient had days between the diagnosis and the treatment of the diagnosis. This is the window in which effort must be made to find a DSP.

If the effort is made to find a DSP and one is not available, either within a reasonable time period or proximity, and you have proof of this, then the scheme must pay in full for the treatment. Doctors are going to tell your clients that they are entitled to full payment by their scheme for any PMB. As advisors, the best thing we can teach our clients is when to use a DSP and when to simply seek treatment as an emergency.

In this way, we can ensure that they will not end up with a major shortfall on medical bills and thus positively impact their overall financial planning. Opportunities for professional financial advisors. With nearly 20 years of expertise, and a national footprint in South Africa, supported by a strong presence in the UK, Genesis Advisory Services is currently looking for new talent.

Our aim is to further cement our position as the leading distributor of Discovery Life and Invest products in South Africa, and we intend to do so by attracting only the best financial advisors. If you believe in yourself the way we believe in our business, then we want to talk to you. Please call us today on or email info gencapital. Creating the right environment within firms is an essential aspect.

The tactical response to RDR calls for a strategic review and discussion around how planners prepare for RDR-style legislation in South Africa and adapt accordingly. Many have been forced to rationalise their clients, now that the time allotted to each client has to be carefully managed, and advisors can no longer rely on commission. They have also had to revise their qualifications and take further exams to make sure they comply with the new regime. The motive behind RDR was all about raising standards and making sure that clients get a better service. What needed to change was that professional standards needed to increase significantly.

They also identified the need for a simpler process to deliver simpler products to more consumers. Market segmentation- the retail investment distribution market should be segmented and labelled. Remuneration - those distributing products should be paid in a manner that does not influence the product they sell. Professionalism and reputation - those distributing retail investment and savings products should possess high standards of knowledge and ethical behaviour. However, in the run-up to RDR, some claimed it might have the perverse result of leaving some clients without any advice at all, as advisors could no longer justify their business.

European providers of exchange traded products have noted a substantial uptick in inflows into passively managed investment products in the wake of the onset of RDR. Prior to the introduction, analysts noted that its introduction should result in an increased investor appetite for lower-cost passive investment products, since RDR effectively abolished commission payments from fund providers to financial advisors.

This will now include the banking sector in line with the twin peaks regulatory model whereby all market conduct regulation will fall under the FSB and all prudential regulation under the Reserve Bank. Those within the industry may need to adapt products, processes and business structures to align with regulations, seeking to ensure that advice is truly independent and that it reflects the needs of the consumers.

They have to make sure that consumers are able to identify and understand the services they are being offered in the advice process. Consumers should be fully aware of all costs like fees and commissions; they should know which fees relate to which service, and when these fees should be paid. There should be full transparency on all advice costs in the lifecycle of the policy and the industry should be professionalised through higher education standards. RDR-style legislation may impose onerous administrative and compliance requirements that could be more burdensome to smaller providers as well as new entrants to the market.

The Financial Services Board FSB has a mandate from government to protect consumers of financial services that fall under their jurisdiction. The TCF objective is to achieve six key outcomes for consumers at all stages of the product life cycle including product design, marketing and promotion, advice, point of sale, after the sale, complaints handling and the ultimate payment of the benefits at claims or withdrawal stage.

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TCF is a combination of principles and rulesbased regulation with a strong emphasis on embedding a TCF culture in conducting business. In order to do this, the TCF programme follows a top-down approach by starting with the business leaders and senior managers rather than a delegated tick-box compliance approach. An RDR world will focus on commission bias as an extension of TCF, in an attempt to ensure the customer truly receives appropriate advice. Thus value of advice is a topic that takes on new significance.

Options Opportunities still exist in an RDR world. The value of advice and how the value chain remunerates the giving of advice is an issue that needs to be resolved. One objective in preparing for an RDR will be to resolve the problem of designing a remuneration model that will support a non-commission environment. This means that a review of the value of advice is thus necessary. Value of advice and the need for face-to-face contact must become the core competencies in building of trust with clients going forward. Distribution methods will have to be designed to be cost-effective, while simultaneously addressing the needs of the market and fitting with the culture of the market.

Products need to be simple and understandable and the method of distribution has to ensure that clients fully understand the workings and implications of these products. The distribution methods will need to encourage personal, face-to-face contact with clients. Traditionally, government believes the South African consumer was largely taken advantage of and the government believe the implementation of RDR will force transparency in the industry and will be a further step towards consumer protection. The challenge of government and industry will be to make sure that those who most need financial advice and who may not be able to afford fees will still get financial planning advice.

The RDR may see a significant drop in numbers of financial advisors. The government believes the consumer needs to be confident that the advice that they are getting will be truthful, honest and given without maximum gain in mind. People are generally reluctant to change, but where change benefits consumers it must be embraced. South African consumers, including financial advisors should be offered truly world-class products and services.

This is a clear indication that government wants to adhere to global best practice principles in order to protect the consumer. At the end of the day, it comes down to implementation and regulation and we have to ask, does government have the capacity to effectively implement and oversee this programme?

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As financial advisors, we strive to provide our clients with as much information and disclosure as possible. We understand the benefits of belonging to a profession and not just selling a policy, but is the level of disclosure always understandable to clients, and in their best interests? When I think of projections, I think back to the days when life companies projected portfolio returns of 20 percent per annum, which usually lead to unrealistic expectations and ultimately disappointed investors. Projections can be dangerous, both short-term and long-term projections. There are so many factors that influence investment returns, including inflation, interest rates, investment market cycles, exchange rates, market corrections and crashes, and these can usually not be accurately predicted.

So how do we make realistic predictions? I always tell my clients that if I could make accurate predictions of how markets will behave in future, then I would be retired by now, living on my own island or moving between my various mansions. We do not have crystal balls; on the one hand we need to encourage people to save and invest for their futures, and on the other we have to ensure that we are not setting them up for disappointment. Looking at past returns and volatility will give an indication of how the investment portfolio has responded to previous crises and opportunities.

Another option is to make predictions linked to CPI; in other words, predict how the investment will stack up in the future based on the purchasing power of the money.

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This strips out the impact of variations in inflation and is perhaps more relevant for people planning their retirement. Focusing purely on domestic portfolios, a leading investment consulting firm has projected the following returns for various asset classes March data. The numbers are annualised for a period of five years ahead, and assume domestic inflation at 5.

Over the next five years, this portfolio has a projected future return of 2. These are conservative projections and we know that most multi-asset class portfolios with moderate risk have outperformed this. How do we walk the tightrope between conservative projections that will not disappoint, and aggressive projections that will encourage the client to invest? At some point in the process the prudent question is: what will these projections look like after costs?

This article has raised some of the considerations we face in projecting future returns. We all need to decide how to meet our regulatory requirements without disappointing our clients. The ultimate decision on what to disclose and how to disclose it needs to be carefully considered. If we are to treat customers fairly and build trusting relationships, projections and the potential pitfalls need to be taken seriously.

For investors, the decision to postpone consumption and invest for the future is tough enough, without being faced with low projections and a gloomy retirement. The alternative of a rosy outlook with a projected future value way in excess of what will probably be achieved has even worse implications, for both the disappointed underfunded retiree, but also for us in our practices. Responsible investing has become quite the buzzword in the investment world, with asset managers taking care to ensure that they meet the guidelines embedded in the Code for Responsible Investing in South Africa CRISA , which was launched in July CRISA formally encourages institutional investors to integrate sustainability issues such as environmental, social and governance ESG into their investment decisions.

Sunette Mulder, senior policy advisor at the Association for Savings and Investment South Africa ASISA , says the aim of CRISA is to provide the investor community with the guidance needed to execute investment analysis, investment activities and exercise rights as institutional shareholders to promote sound governance and in doing so to give effect to the principles in the revised Regulation 28 of the Pension Funds Act.

CRISA applies to institutional investors such as pension funds, insurers, asset managers and consultants. The code is not compulsory but encourages institutional investors and service providers to adopt its principles and practice recommendations on an apply-or-explain basis.

Institutional investors are expected to fully and publicly disclose to stakeholders at least once a year to what extent the code has been applied. If an institutional investor has not fully applied one of the principles of the code, the reasons should be disclosed. Disclosure as well as policies should be made public. Increased disclosure Since the code was launched in , the CRISA committee has drafted a practice note that provides guidance on how to disclose. The CRISA practice note, which was released earlier this year, separates disclosure requirements into three elements: Disclosure of policies, disclosure of responsible ownership practices and disclosure of implementation.

At the time of going to print, the revised version was expected to be available for further industry engagement in September this year. However, we need to see more evidence of implementation before we can argue that the spirit of the code is being fully embraced. Narsi concurs. But this investment process is often not communicated to investors and needs to be addressed in context of the code.

Trustees can be more vigilant and demanding by adopting the code into their investment policy and strategy documents, and ensuring these considerations are addressed on every investment decision undertaken by a manager. In this way, trustee boards will actually define what they believe are responsible investing principles which will afford a more successful legacy for their retirement funds. Principle 1 — An institutional investor should incorporate sustainability considerations, including ESG, into its investment analysis and investment activities as part of the delivery of superior risk-adjusted returns to beneficiaries.

Principle 2 — An institutional investor should demonstrate its acceptance of ownership responsibilities in its investment arrangements and investment activities.


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Principle 3 — Where appropriate, institutional investors should consider a collaborative approach to promote acceptance and implementation of the principles of CRISA and other codes and standards applicable to institutional investors. Principle 4 — An institutional investor should recognise the circumstances and relationships that hold potential for conflicts of interest and should proactively manage these when they occur.

Principle 5 — Institutional investors should be transparent about the content of their policies, how the policies are implemented and how CRISA is applied to enable stakeholders to make informed assessments. The Protection of Personal Information Bill is expected to be promulgated this year; it was initially thought that the bill would be enacted earlier; however, we have reached mid-year and it is yet to be promulgated.

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The bill is in keeping with international laws and, as a result, it is premised on international pieces of legislation and more particularly the European Union Data Protection Directive. The implementation of this law would encourage international companies and individuals to do business and invest in South Africa. Woods, Nancy. Nancy Woods in an investment advisor and associate portfolio manager with RBC Dominion Securities, and has over 15 years of investment experience.

She lives in Toronto with her husband and four children. Description Author Details The Portfolio Chef is a guide to understanding and creating a financial investment portfolio. For the novice to the experienced investor, it takes the mystery out of the intimidating world of investments and the stock market. Using food analogies, the book describes stocks, bonds, and preferred shares, among others, and how to invest in them. Why the food analogy? Similarly to having a well-balanced meal, an investor should have a well-balanced portfolio.

The Portfolio Chef: Satisfy Your Investment Appetite The Portfolio Chef: Satisfy Your Investment Appetite
The Portfolio Chef: Satisfy Your Investment Appetite The Portfolio Chef: Satisfy Your Investment Appetite
The Portfolio Chef: Satisfy Your Investment Appetite The Portfolio Chef: Satisfy Your Investment Appetite
The Portfolio Chef: Satisfy Your Investment Appetite The Portfolio Chef: Satisfy Your Investment Appetite
The Portfolio Chef: Satisfy Your Investment Appetite The Portfolio Chef: Satisfy Your Investment Appetite
The Portfolio Chef: Satisfy Your Investment Appetite The Portfolio Chef: Satisfy Your Investment Appetite

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