Fees should add value……………..

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In a depressed economy returns on various investments are weak if not negative. The South African Stock Market year to date is -2,3% with a total return of 0,6%. Fees become more noticeable when returns are low as they appear to reduce your returns leaving less for income and or growth into the future.

Fees are effectively a reduction in yield                                                 

This means that if you earn 10% and your total fees are 2%, you get 8%. To get an idea of the impact of fees over time – R100 rand over 10 years gets you R20K @ 10% and R18K @ 8%.

Here are the components of fees:

The Service Provider of your investment Charges on average 0,5% per annum for the administrative work needed for your investments. Providing information and technologies to keep you in touch with your investment.

The Financial advisor who helps you to make appropriate choices on your investments can charge up to 1% per annum on the value of your fund.

The Fund manager who your invest according to a specific objective which you decide to invest in charges between 0,5% and 2% depending on the type of fund.

SARS also has a part to play in reducing your yield as all the fees have VAT applied at 15%. SARS also taxes your returns and collects on capital gains as well.

You could save on advisor fees by investing directly. The downside is that you could end up with an investment which costs you more because of wrong choices.  

You could save on Fund manager fees by investing in passive funds. Investments like Exchange Traded Funds and tracker funds offer the average performance of the basket that they represent. The cost is generally lower. The downside is that your returns will never be better than the average. 

You could save on Tax by investing more wisely in certain ways to limit taxes. You will need a good understanding of the various tax breaks on certain investments to take full advantage.    

It comes down to the value you perceive. It’s not only the returns that you need to be focussing on when assessing fees. The value proposition also lies in the appropriateness of the investment aligning to aspects like tax advantages and avoidance of estate duty and other costs. There are certain structures which improve your investments in more ways than return.

So be aware of the full value proposition of your fees. They are justified if they add more value to your investments than you can.

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  2477. Hi, I do think this is a great web site. I stumbledupon it 😉 I will come back yet again since I bookmarked it. Money and freedom is the greatest way to change, may you be rich and continue to help others.

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  2507. Your style is unique in comparison to other people I’ve read stuff from. Many thanks for posting when you’ve got the opportunity, Guess I will just bookmark this site.

  2508. Hi! I could have sworn Iíve visited this website before but after going through some of the posts I realized itís new to me. Regardless, Iím definitely happy I discovered it and Iíll be book-marking it and checking back often!

  2517. Howdy! This article could not be written much better! Going through this article reminds me of my previous roommate! He continually kept preaching about this. I will send this article to him. Pretty sure he’s going to have a good read. Many thanks for sharing!

  2518. An interesting discussion is worth comment. I believe that you should publish more on this issue, it may not be a taboo matter but typically people don’t speak about such topics. To the next! Best wishes!!

  2522. Aw, this was a very nice post. Taking a few minutes and actual effort to generate a very good articleÖ but what can I sayÖ I hesitate a lot and never seem to get anything done.

  2524. Hi, I do believe your web site could possibly be having web browser compatibility problems. When I look at your blog in Safari, it looks fine however when opening in Internet Explorer, it’s got some overlapping issues. I simply wanted to provide you with a quick heads up! Other than that, great blog!

  2525. After I originally commented I seem to have clicked on the -Notify me when new comments are added- checkbox and from now on every time a comment is added I receive 4 emails with the same comment. There has to be a means you are able to remove me from that service? Appreciate it!

  2528. An impressive share! I have just forwarded this onto a co-worker who had been conducting a little research on this. And he actually ordered me lunch due to the fact that I discovered it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanx for spending some time to discuss this issue here on your internet site.

  2534. Hello there, There’s no doubt that your site could possibly be having internet browser compatibility issues. Whenever I take a look at your web site in Safari, it looks fine however, when opening in IE, it’s got some overlapping issues. I just wanted to provide you with a quick heads up! Other than that, excellent website!

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  2540. Hello there! This post couldnít be written much better! Reading through this post reminds me of my previous roommate! He continually kept preaching about this. I’ll send this article to him. Pretty sure he will have a great read. Thank you for sharing!

  2542. An intriguing discussion is worth comment. I think that you need to write more about this issue, it might not be a taboo subject but usually people don’t discuss such issues. To the next! All the best!!

  2543. After I originally left a comment I appear to have clicked on the -Notify me when new comments are added- checkbox and from now on each time a comment is added I get four emails with the exact same comment. There has to be a means you are able to remove me from that service? Cheers!

  2544. I would like to thank you for the efforts you have put in writing this blog. I am hoping to view the same high-grade blog posts by you in the future as well. In fact, your creative writing abilities has motivated me to get my own site now 😉

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