Francly Speaking: Recent Episodes
Franc Group
Franc's goal is to make investing simple and accessible to all South African's. We believe part of that goal is educating our users on personal finance and investing. So if you are keen to learn more don't forget to click the subscribe button.
Wondering how to start investing but not sure where to begin? Investing for beginners can feel overwhelming, but it doesn't have to be! ๐
In this Francly Speaking episode, hosted by Cassidy Nydahl, Head of Growth at Franc, and featuring Seb Patel, Co-founder and COO at Franc, they explore essential investment strategies tailored to beginners, ensuring you begin your investment journey confidently. ๐ธWhat's your investment strategy?
Timecodes:
00:00 - 01:00 Trailer
01:01 - 02:18 Introduction
02:19 - 03:18 What is an investment strategy
03:19 - 04:45 What an investment strategy looks like, practically
04:46 - 06:44 What factors should you consider when determining your investment strategy
06:45 - 09:45How do you go about nailing down your investment strategy
09:46 - 14:34 Aggressive vs Conservative Investing
14:35 - 16:49 Financial Advisors
16:50 - 21:16 What is Seb's investment strategy
21:17 - 21:59 Outro
If you find today's episode interesting โ and trust us, you will โ show your support by liking, commenting, or subscribing for more insightful episodes. ๐๐ฌ
About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all ๐ช
Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes!
Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal
Visit the Franc website: https://shorturl.at/9fDZa
What should you invest in for your child's future? Why is it important to invest in their future in the first place, and how do you even go about it? ๐คThese are just some of the questions we tackle in this Francly Speaking episode, hosted by CEO & co-founder at Franc, Thomas Brennan, with content creator and invested mom, Jennifer Nxumalo. They share some tips, strategies and personal experiences investing for their own children. ๐Have you started investing for your child yet? Let us know down below in the comments! ๐Timecodes:00:00-02:04 Introduction02:05-06:50 Jennifer's backstory06:51-08:17 When Jennifer started investing for her child08:18-15:03 How Jennifer went about researching what to invest in15:04-24:31 Advice for parents looking to invest for their child24:32-25:30 OutroIf you find today's episode interesting โ and trust us, you will โ show your support by liking, commenting, or subscribing for more insightful episodes. ๐๐ฌAbout Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all ๐ช Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes!Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal Visit the Franc website: https://shorturl.at/brwY2
๐ฅ Welcome to another exciting episode of Francly Speaking! In this episode, your host Anelisa Maswana, Associate Product Manager, and Kgomotso Jafta, Junior Marketing Manager, chat about side hustles and ways of making extra KA-CHING!
Discover how to make a side hustle work, as well low-effort side hustles perfect for those juggling a 9-5 grind, including dropshipping, selling pre-loved items, and turning talents into services. And don't miss their insights on investing and affiliate marketing for passive income streams.
Timecodes:
00:00 - 00:46 Trailer
00:47 - 05:09 Introduction
05:10 - 07:08 What to consider before starting a side hustle
07:09 - 13:56 Low effort side hustles
13:57 - 15:50 Using Technology to get started
15:51 - 18:37 Challenges when it comes to side hustles
18:38 - 19:17 Outro
So grab your notepad and tune in!
Check out our latest blog posts for more ideas:
6 Ways to Earn Extra Income in South Africa: https://shorturl.at/wBX34
What You Need To Invest To Make It In Dropshipping: https://shorturl.at/ltuEZ
Don't forget to like, share, and subscribe for more valuable insights. And remember, with the right strategy, your side hustle dreams can become a reality. Happy hustling! ๐ผ๐ฐ
Visit the Franc website: https://shorturl.at/invD1
Download the Franc App: https://franc.app.link/get-started-investing
Should you be considering investing offshore? ๐ค That's the question we help you answer in this Francly Speaking episode โ breaking down the jargon, and getting franc about the pros and cons. In this episode, we also reveal an exciting new addition coming up on the Franc app... ๐ ๐ If you're curious about investing and want to learn more then you'll definitely enjoy today's episode - don't forget to like, comment, and subscribe for future content. ๐In this episode, we discuss the basics of 'investing offshore' with Seb, our incredible COO. We explore: ๐ก Why 47% of our investors are keen on offshore investing and the perks, such as diversification, exposure to more assets, and the growth potential in offshore markets.๐ก How South Africans can invest offshore, covering direct investments, international transfer approvals, and rand-denominated offshore investments using feeder funds. ๐ก The potential tax differences between these options, emphasising the importance of choosing the right approach for your financial goals!Timecodes:00:00 - 00:58 Trailer00:59 - 02:15 Introduction02:16 - 03:04 What does Offshore Investment mean?03:05 - 05:18 Why Should South Africans Invest Offshore?05:19 - 06:21 The meaning of Diversification06:22 - 09:10 How To Invest Offshore: Directly & Indirectly09:11 - 11:51 Minimum Fees & Deposits for Offshore11:52 - 12:52 Deciding Which Offshore Investment is Best for You12:53 - 13:59 Why the Sygnia Fund for Franc Investors?14:00 - 15:57 The Guidelines for Offshore Investing15:58 - 16:23 Outro๐ Ready to explore the world of investing with Franc? Get started by downloading the app today!๐ Visit the Franc website: https://shorturl.at/agNTZ๐ฒ Download the Franc app: https://franc.app.link/invest-today
Motherhood is a magical journey, but what happens when you're not financially prepared? From nappies to tuition fees, the costs can be overwhelming!
Ensuring you've got your financial bases covered is not just about your child's future; it's essential for your own peace of mind.In a recent webinar, we chatted to Laura du Preez, CFP and Editor at Smart About Money and mom of two adults, Thando Schermer, CEO at Zoie Health and new mom, and Ess Mukumbo, personal finance creator, financial columnist, and mom of two, to ask them for practical advice for parents when budgeting for their children and investing in their future.
This podcast recording is there to arm you with knowledge and financial savviness to empower your financial journey with children. Because at the end of the day, every mom deserves financial peace!
Momconomics2023 #FinancialTips #EmpoweredMotherhood #InvestInYourChild #InvestingMadeSimple
After the magical proposal, the reality of wedding costs hits hard. How do you afford the dream wedding without breaking the bank? Budgeting for your wedding should be as joyous as the big day itself! Join Kgomotso as she sits down with the lovely Talya Plaatjies, founder of Fashionably Financial and bride-to-be, to shed some light on budgeting for a wedding in South Africa, her wedding budgeting and checklist, and tips and tricks to make your own journey smoother! In this episode, we cover:00:00 - 04:26 Introduction: The importance of budgeting for a wedding04:27 - 07:27 Setting up a shared wedding goal on the Franc app! ๐ฏ07:28 - 10:27 How to choose a wedding dress: Rent, Buy or Design?10:28 - 12:11 Picking the right venue12:12 - 13:13 How to negotiate with suppliers13:14 - 15:27 Budget-friendly invites with a digital twist ๐ฑ15:28 - 19:31 Gifts for newlyweds: modern approaches ๐19:32 - 23:58 Common mistakes couples should AVOID23:49 - 25:24 OutroWhat's more, Talya has put many hours and lots of thought into her perfect wedding budget template โ and she's sharing it with viewers as well! Read more about her wedding budgeting insights and tips and get your wedding budget template here: https://bit.ly/47DAnekIf you found this episode enlightening, give us a thumbs up, and drop a comment with your thoughts!About Franc: The team behind the Franc app is on a mission to make investing simple and accessible to all ๐ช Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes. Download the Franc app to set your goals: https://franc.app.link/start-your-wedding-fundVisit the Franc website: https://bit.ly/4252QZp
It's the first episode of Francly Speaking for 2024! ๐ And what better way to start off the year than by talking about our goals for the year? In this case, our financial goals.
Our Junior Marketing Manager, Kgomotso Jafta, chatted to Aron Samuels, The Wealth Coach, about his personal formula for goal-setting success, what advice he gives his clients to stay motivated along the way, and what your financial goals and the gym have in common ๐๐ฝโโ๏ธ.
In this discussion, they're going to cover:
00:00 - 01:43 - Introducing the topic and Aron Samuels
01:44 - 03:13 - What are financial goals, and financial goals examples
03:14 - 04:19 - What is the difference between short term financial goals and long term financial goals?
04:20 - 05:42 - Why you aren't setting your financial goal up to achieve them
05:43 โ 13:12 - Aron's formula for setting your financial goal up for success
13:13 - Tips to keep you motivated and committed to your goals
20:08 - 22:34 - Where to set up your financial goals
22:35 - 25:11 - Aron's client success story
๐ Like, Comment, and Subscribe:
If you found this episode enlightening, give us a thumbs up, and drop a comment with your thoughts!
About Franc: The team behind the Franc app is on a mission to make investing simple and accessible to all ๐ช Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes.
Download the Franc app to set your goals: https://franc.app.link/set-your-goals-with-franc
Visit the Franc website: https://bit.ly/48HPqEu
Get the blog post version of Why and How to Set Financial Goals: https://bit.ly/47cUFuR
Join Cassidy and Brett in this Francly Speaking episode as they discuss saving and investing as a couple. ๐ค They'll dive deep into the benefits of planning and saving towards shared financial goals, how to handle difficult money conversations, and the 3 things you need to discuss before venturing into a joint savings or investment.This video isn't just a discussion; it's your roadmap to navigating financial decisions with your partner. Strengthen your financial future, forge a sturdy foundation for your shared journey, and ensure your money matters align for a prosperous life together. ๐๐ฐDon't miss this episode, and subscribe, like, and hit the notification bell for more Francly Speaking wisdom! ๐About Franc: The team behind the Franc app is on a mission to make investing simple and accessible to all ๐ช Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes. ๐ Visit the Franc website: https://bit.ly/3RuHLUq ๐ค Find out more about Shared Goals on the Franc app: https://bit.ly/489taDt ๐ฒ Download the Franc app: https://franc.app.link/download-franc-app
Welcome back to another insightful episode of Francly Speaking! ๐ In this discussion, we're diving into the world of trading and investing, breaking down the differences, pros, and cons with Cassidy Nydahl, Head of Growth at Franc, and Seb Patel, Franc's COO and co-founder.
๐ค Defining Trading and Investing:
Let's start at the beginning. Seb breaks down the distinctions between trading and investing. Trading is like a sprint, aiming for quick profits, while investing is a marathon, a long-term commitment for those patient enough to let assets grow.
๐ Unpacking Trading:
Ever wondered about the allure of trading? Seb mentions the potential benefits, what you need to get started, and the downsides โ from capital and time commitments to knowledge, fees, and the crucial difference between trading and gambling.
๐ฑ Benefits of Investing:
Now, let's shift gears to the advantages of long-term investing. Seb covers the perks, from the time and attention needed to potential growth and diversification. Who should lean towards investing? We've got the details.
๐ Like, Comment, and Subscribe:
If you found this episode enlightening, give us a thumbs up, drop a comment with your thoughts, and hit that subscribe button for more financial wisdom. Stay tuned and stay Francly! ๐๐ผ
Take control of your financial future and start investing by downloading the Franc app today!
Download the Franc app: https://franc.app.link/start-your-journey
Visit the Franc website: https://bit.ly/3SXCwh5
๐ดโ๏ธ Join Anelisa and Keval as they talk about budgeting for your dream holiday in this episode of Francly Speaking! ๐๐๏ธGrab your passport as they map out all the elements to consider when planning your ultimate vacation: from transportation ๐ to accommodation ๐จ and activities ๐ข, to mouthwatering meals ๐. Discover the secrets of budgeting for both local and international destinations, while they sprinkle in their own travel tips and experiences.But that's not all! They'll reveal the key to maximising your travel budget and ensuring an unforgettable holiday experience. Discover how the Franc app can be an essential tool in helping you save and invest towards your dream getaway, turning your holiday aspirations into a reality! Get ready to pack your bags and embrace a world of adventure, all while staying within your budget. ๐บ Watch now and let the vacation countdown begin! โ๏ธ๐ดRemember to like ๐, subscribe ๐๏ธ, and hit that notification bell ๐ to catch all the exciting episodes of Francly Speaking! Download the Franc App and set up a holiday fund: https://franc.app.link/setup-holiday-fund
Visit our website: https://bit.ly/3snpDlPTimecodes:00:00 - 01:27 - Introduction01:28 - 03:08 - The Price of Flights!03:09 - 05:25 - Budgeting and Planning your dream holiday05:26 - 07:59 - Do you really need a travel agent?08:00 - 09:27 - Communication while traveling (eSims, local sim cards, roaming)09:28 - 09:58 - Transportation when traveling09:59 - 11:42 - Local Travel in South Africa11:43 - 13:40 - How To Save For A Vacation: Create a Travel Goal13:41 - 15:03 - Emergency Fund for your holiday/vacation15:04 - 17:11 - Wrap up: 4 Tips on How To Save For A Holiday/Vacation
At Franc we often say that saving is not enough โ you must invest your money. But if you're a beginner investor, even if you've done all your research, how do you know where to even start?! ๐ฉ
Tune in to this week's Francly Speaking episode where our Head of Growth, Cassidy, and Operations Associate, Keval, unpack one of our top blog posts discussing the best types of investments for beginners and beyond. From money market funds to ETFs, we give you the low down on why they're so great and how they fit into your investment strategy. ๐ธ
๐ฒ Francly Speaking is a series by Franc, the simple investing app with no minimums, no paperwork and no fuss. Get an investment strategy with the right mix of investments for your goals and timeframe in the app.
https://bit.ly/3Sl4e7n
Read the full article on the Francly Speaking blog: https://bit.ly/3Fy5XON
Find out more about the Franc App and the types of investments we offer: https://bit.ly/3Mgmcny
Download the Franc App and start investing with top funds: https://franc.app.link/check-out-franc-app
Did you know that only 42% of South Africans are financially literate? ๐ฐ Why should we learn about money, you ask? Simple โ because it will empower you to make better, well-informed decisions that can shape your financial future. Join Franc CEO Thomas Brennan and Junior Marketing Manager Kgomotso Jafta as they dive into this incredibly important topic. From budgeting to investing, we talk about why it's important to learn the ABCs of money.
๐ Don't forget to give this video a thumbs-up if you found it helpful, and share it with your friends and family who could benefit from this valuable information. Start your journey to financial literacy today! ๐ช๐ธ
Subscribe to our channel for more insightful content on personal finance, money management, and wealth-building. Let's take control of our financial destinies together! ๐ก๐
To read more about the financial literacy blog: https://bit.ly/3tsq2n1
Link to the Franc Academy to learn about investing: https://bit.ly/3ZPvNXP
Download the Franc app: https://bit.ly/46JPItt
Visit the Franc website: https://bit.ly/46BYM3E
Curious about the world of investing and how it can help you grow your wealth? Join our CEO, Thomas Brennan, as he dives into this topic with financial advisor Mikhail Muller. They chat about the difference between saving and investing, what an investment portfolio is and different investment strategies, and how to build your own based on your goals, your time frames and your appetite for risk. Imagine this: You have a specific financial goal in mind, such as saving for your child's education in 10 to 15 years. Based on Thomas and Mikhail's advice, you should estimate the expenses, account for factors like education costs and inflation. Then, instead of stashing that money under your mattress where it loses value to inflation, you decide on the best way to invest your money to meet your goal. That's what building your investment strategy and portfolio is all about! It's about growing your wealth and securing your financial future, one step at a time. ๐ฑ๐ฐ Take control of your financial future and start investing by downloading the Franc app today!Download the Franc app: https://bit.ly/3th2v8jVisit the Franc website: https://bit.ly/3LAr06Q
Timecodes:00:00 - 02:11 - Introduction02:12 - 03:05 - The importance of investing03:06 - 05:09 - What is an investment portfolio?05:10 - 08:23 - How to define your financial goals08:24 - 10:34 - Considering investment time horizons10:35 - 12:25 - The concept of risk vs return12:26 - 14:43 - What is your risk tolerance?14:44 - 17:36 - Putting these factors together for your investment strategy17:37 - 21:32 - Getting started investing 21:33 - 23:48 - How do you find a financial advisor?23:49 - 26:18 - Where should you start investing? 26:19 - 30:46 - Why you should stop saving, start investing
Ever had that sinking feeling like your money is doing a disappearing act? Yeah, we've all been there! That's why we're talking all about taking control of your finances in our latest Francly Speaking episode with our founders Sebastian Patel and Thomas Brennan!In this no-nonsense, no-jargon chat, Sebastian Patel and Thomas Brennan spill the beans on how to handle your hard-earned cash like a pro. Tracking money in and out is crucial, and these two gurus have some seriously smart tips up their sleeves. Ever heard of the 50/30/20 rule? Prepare to be amazed! And trust us, it's not as complicated as it sounds.So, if you're ready to conquer your financial fears and emerge as a budgeting champ, hit that play button and join us for a virtual coffee chat. Watch us cover all the knitty-gritty details of managing your household finances like bosses! Don't worry; we won't bore you with endless spreadsheets or mind-numbing math. Instead, you'll find engaging discussions, practical insights, and maybe even a laugh or two along the way. Remember, it's all about taking charge of your money, not the other way around. So don't miss this opportunity to level up your financial game and gain some priceless knowledge.
Watch the video version: https://bit.ly/3PzfSthTake control of your financial future at the palm of your hand by downloading the Franc app today!
Download the Franc app: https://bit.ly/3rhxBvXVisit the Franc website: https://bit.ly/465hgcz
We had the pleasure to sit down (virtually, of course) with Nicolette Mashile, the Financial Bunny, television talk host, YouTuber and serial entrepreneur, to chat about women starting their own business and doing it for themselves. Having built a business and media empire, we knew she was the perfect person to grill on all things entrepreneurship, and have a frank conversation about her successes and challenges. From how to start a business, to small business funding, and all the trials and errors in between, Nicolette gives her tips for female entrepreneurs, shares her own experiences, and talks openly about the challenges. If you're thinking of starting your own business, or you already have, this is not an episode to be missed! Ready to take these learnings and start saving up for your small business launch? Download the Franc App, set a small business goal and start saving today. Download the Franc app: https://franc.page.link/tips-nicoletteVisit the Franc website: https://bit.ly/3EgowXq
Women have been historically underrepresented in the finance and investing world, but times are changing, and more women are investing than ever before. ๐ช We know this because the majority of our Franc investor base is made up of... (you guessed it) women! That's why we wanted to focus this episode on women's financial empowerment.So what do women need to keep in mind when investing? While the principles remain the same, women often face unique challenges and opportunities. Our Customer Success Manager, Anelisa Maswana, chatted to founder of Fashionably Financial and Financial Literacy Coach, Talya Plaatjies, to unpack them.As this episode emphasises, women can achieve financial independence by learning and upskilling themselves, diversifiying their portfolio, starting early and being actively engaged. So let's raise a toast to a future where women conquer the financial world, break barriers, and secure their prosperity and those of the generations ahead. 3 Things Women Need to Know About Their Finances (blog): https://www.franc.app/blog/3-things-women-need-to-know-about-their-finances/Find out more about Talya Plaatjies: https://fashionablyfinancial.podia.com/Download the Franc app: https://franc.page.link/financial-planning-anchorVisit the Franc website: https://bit.ly/3OThDjJ
In this episode of Francly Speaking, Founder at Franc Thomas Brennan and Operations Associate Keval Maharaj talk about teaching your child the important money lessons early in life. Picture this: your little one is sitting cross-legged on the floor, playing with colorful blocks, and you're wondering, "Is it too early to introduce them to the concept of money?" Studies suggest that children can start to understand the concept of money as early as seven years old! The earlier you dive into the money chat, the better for your child's financial future. Teaching your mini-me about financial literacy can also be fun. From playing cool money-themed games to giving them an allowance and encouraging them to save for that toy they've been eyeing โ there are many exciting ways to do it. Because let's face it โ life's a series of financial decisions, and we want them to ace it!So don't shy away from the money talk. Embrace it with open arms and show your little ones that the world of finances isn't as daunting as it seems. You'll be unlocking a world of possibilities for your child, and who knows, maybe they'll be the next financial genius to change the game.It's time to raise a generation of savvy money masters! ๐ธ๐ช Download the Franc app today to set up a Child Account.
Download the Franc app: https://franc.page.link/invest-in-your-childs-future-spotify
Living a comfortable life is thee ultimate dream, and the sooner you start investing in that future, the more possible it is (that's the magic of compound interest โจ).
We're here to spill some tea on how to build wealth in your 20s! ๐๐ Ready to kickstart your path to financial freedom? Listen to this episode for more! ๐ค๐ก
Download the Franc app on the Google Playstore, Apple App Store, Huawei App Gallery: https://franc.page.link/building-wealth-20s
Visit the Franc website: https://bit.ly/3Ohq3C1
One of the most thrilling moments in life is receiving your very first paycheque! Join us for a chat about our biggest money blunders, budgeting blips, overspending oopsies, and the dreaded debt monster. Don't worry, it's not all doom and gloom โ we'll also be sharing tips on how to develop rock-solid financial habits that'll have you navigating this exciting milestone like a pro. Trust us, this is one video you absolutely can't afford to miss!If you're ready to take these learnings and start investing your hard-earned money, download the Franc App!Google Playstore: http://bit.ly/3cJgLN2 Apple App Store: http://apple.co/36LTeal Huawei App Gallery: https://bit.ly/3P1UtFM Visit the Franc website: https://www.franc.app/
In this special episode, Franc's CMO Shera, is interviewed on SAFM about what is happening for women in the space of investing and finance. Listen to find out more about the statistics facing women in this space and what Franc is doing to lower the barriers women face.
This quarter had its fair share (pun intended) of ups and downs due to the oil prices, increased inflation and issues caused by the Russia-Ukraine conflict. Listen in on today's episode as Keval talks about the top performers and the worst performers.
Fact: investing is scary for many people. And just like any other fear, it likely makes us do one of a few things: freeze, run away, or hide. In today's episode, the CEO and co-founder, Thomas, goes over the story of how Franc keeps investing frank.
In this podcast, Rele discusses how you can save through savings challenges and go over some savings challenges Franc has started to help some of our users.
We have just passed the halfway mark of the year, which has brought to a close the second quarter of 2022. Join Keval as he analyses what happened this quarter.
"I'm not a stranger to living frugally (student life!) so I am willing to go over and above to save a few extra bucks", in today's episode Busisiwe goes over some tips and tricks to travelling cheaply.
We all have a dream car, but have you ever asked yourself what impact will buying your dream car have on your future ambitions, from a financial perspective? Today Thomas talks about his experience in the matter.
People who buy and sell shares often laugh at people who buy and hold. However, our analysis shows that buying and holding is better most of the time. Listen as our CEO Thomas elaborates on this further.
Our CMO Shera goes over a personal account of when to start saving for children, tips to introduce good financial habits and how to do so.
Growing up, many of us have perceptions about investing that we (hopefully!) figure out later are not correct. Listen to Franc's COO and co-founder Seb as he shares 5 myths from the past that aren't true today.
Today, Miyabo talks about how her first friendcation went. "My friends and I had been toying with the idea of going on a friendcation for almost a year but It was only in October 2020 that we decided to be serious about planning one." Tune in for some lessons from her first friendcation.
The honest truth is that unless youโre already wealthy and have a complicated personal financial situation, you probably donโt need a financial advisor. Learn why this is the case today as the CEO of Franc, Thomas, breaks this down.
The invasion of Ukraine by Russia, persistent global inflation and an aggressive outlook towards global interest rates has provided plenty of catalysts for volatility during the first quarter. Join Keval as he goes into further detail on what you need to know about market movements.
In this podcast, Rele will be looking at some recent and not so recent Netflix releases that have a financial takeaway, and of course, a plot twist or two that you could also find interesting (spoiler alert!).
In today's episode, the CEO of Franc, Thomas Brennan talks about his journey founding Franc and how the industry has changed since. In 2017 South Africa was the highest country in the world for the search term โhow to investโ on Google trends. Over the past 5 years the financial industry has seen a lot of change. Let's talk about it.
Today Seb talks about the considerations you should make when investing. Income earned and realised capital gains (when you sell something for more than you paid) have different tax consequences. Tune in to find out which will suit you.
You mean well and try to spend less, but something always comes up. The good news is there are plenty of straightforward ways to save money and breathe some fresh air into your budget and Tara talks about them this week.
This week we talk about the phenomenon of digital assets. Since Bitcoinโs debut in 2009, the idea of using blockchain or similar cryptographic software to create cryptocurrencies and other types of assets has mushroomed wildly.
"Iโve often thought about what I would say to my younger self if I had a chance. There are a few things, what I did with the money I earned." - Thomas Brennan.
At the end of last week the big markets in the USA were lower than they were at the beginning of January. And the question isโฆ should you care?
Nicolas Oldert gives us his take on the situation.
Saving can seem like an impossible and daunting task when you're a student. That's why Anelisa Masawana is talking about some tips that students can take advantage of.
What is "risk" when it comes to money and investing? In this episode, Nicolas Oldert answers that question and explains how Franc's in-app risk assessment helps our users.
Although there was some nervousness around Omicron and what it could bring, ย the local equity markets performed very strongly over the last quarter.
Many find stock trading, ย to be an intimidating or unappealing option. This leads them to search for alternatives, and ultimately land on the forex market.
If you resign or are retrenched from your employment, you are able to access your Retirement Investments. Doing so could jeapordise your ability to retire comfortably.
Investing and trading are often confused, just like investing and saving sometimes are. However, there are quite a few major differences between the two.
In this episode, Nic Oldert explains a bit more about debt โ what makes it badโฆ and when it is good.
The answer to this question might actually be something that the whole of the internet agrees on, well the first page of Google at least.
We all have a relationship with money. Itโs influenced by our culture, our community and also by our gender. Men are often told that they should be good with money.
A healthy bank account balance means not being in the red for most people. The problem is the money sitting in your bank account is doing absolutely nothing for you.
The price of the Satrix 40 ETF fell just over 2% over the past quarter. This is a reasonably small change, but Sebastian Patel talks about what caused the drop.
You may have seen articles about the decision by the SA Reserve Bank last week to keep interest rates unchanged. What does this have to do with your savings plan?
Regardless of your (invested) interest, or disinterest in bitcoin, Itโs important to understand the basics of bitcoin, especially if youโre thinking about investing in it. Thomas Brennan tells us more in this weeks episode.
As an investment strategy, goal-based investing is still pretty new but Franc users will definitely be familiar with it as it is the philosophy our app is based on.
Who can own shares? What do they get you? Why do people buy shares? Seb answers all these questions in this episode.
There's strong resistance in the market to passive investment. In this episode, Tom unpacks the two biggest criticisms against passive investment and what we think the real reason behind this resistance is.
โWhat should you be saving for?โ is perhaps one of the most important questions we should be asking ourselves both as individuals and as a society.ย
When the markets in such turmoil, the question of whether or not to cash out or ride it out is always front of mind. In this episode, Tom tells us about some past examples that could help us decide what to do.
"Almost 10 years ago, in my first festive season as a varsity student, my motivation levels were at an all-time high. The world was my oyster and I was going to grab it with both arms."
Investing for the long term is one of the ways to decrease your risk and save on fees. In this episode, Seb will tell you more about why investing is a long-term thing.
Although it may be tempting to borrow money to invest, especially if you are cash strapped, it's not a good idea and could make you lose big time. Tom explains more in this week's episode.
What goes up must come down. The Satrix Top 40 dropped 2% last quarter however, the movements of the companies within the fund are what this episode focuses on.
Stokvels are an important part of the South African savings culture. Many stokvels still operate in a traditional way. In this episode, Nic suggests how we can update them a bit.
"Iโve bagged my first big-girl job, moved into my first apartment. Now that I've settled into my new surroundings. I can share the โreal-worldโ lessons I've learned." - Anelisa in this week's episode.
In the era of Bitcoin and online forex trading, it's easy to lose track of the difference between investing and gambling. In this episode, Nic clarifies the difference.
The average South African retires at 60 years old. The F.I.R.E movement challenges this statistic as they believe you can retire at any age. Tara explains how in this episode.
If you have money sitting in a bank account make sure that money isn't lazy, get it to work for you. ย In this episode, Seb tells you exactly how you can do that.
There are a couple of pros to consuming convenience foods, especially after a long tiring week. But the cons are significantly affecting your wallet, Cat explains more in this episode.
Weโre often told that weโre a nation of bad savers, but the reality is quite different. Over half of adults in Sub-Saharan Africa save money, but few use banks to do so. Tom explains more in this episode.
Educating our children on the value of money and the place that it holds in our lives is something that is often overlooked in parenting. In this episode, Anelisa talks about what parents can do to change this. What can parents do to change this?
Education and self-improvement are good things. And when it comes to investing and trading there's a lot to learn. In this episode, Nic explains why should you be wary of these kinds of courses?
As a 24-year old in 2nd year accounting articles she had big dreams of nice houses and fancy cars by 30, but here's what she's learned since then.
Life is unpredictable and sometimes it can hit you where it hurts, your personal finances. The first thing to know when dealing with financial hardship is that youโre not alone. In today's episode, Thomas gives us some more tips on how to deal.
We all want to be millionaires - how hard can it be, right? In this episode Tom unpacks a sure fire-way you can, investing.
ETF stands for "exchange-traded fund" it is a fund and yes it is traded on an exchange exactly like a share is. In this episode Seb explains what the difference is.
Keep your home loan installments unchanged and pay down your debt faster? Yes, it can be done. Seb explains how in this episode.
This week we have, our guest, Thobi Rose, with us. She is a Youtuber and curator of the Lived Experiences blog. She gives us the tea on how she saves for travel, as well as some cool tools she uses on her travels.
What does lifestyle creep or ungazincishi inice time mean? In this podcast Tom also tells us how to avoid it?
Most women and men should save and invest more for their futures. However, women are having a harder time doing this. Tara tells us more about this in this week's episode.
Last quarter the markets continued their historic rise. Seb gives a simple breakdown of the Top 40 JSE listed companies Q1 for 2021.
Exponential growth is the reason COVID-19 is spreading so quickly. Understanding how this growth relates to your money is very important for you as an investor. In finance, it's called compound interest.
The accommodation one chooses can play an integral role in a studentโs academic and social life success. When starting the process there are different options and factors to consider. Anelisa tells us more about it in today's episode.
Guest hosts Mari-Louise and Alec Candiotes from S.A.'s best parenting blog Just A Mamma grace us with their voices this episode.
Planning financially for our kidsโ future is something my husband and I do not take lightly. There are a couple of ways in which we plan for those future costs.
Tax-free savings accounts were introduced to encourage South Africans to save, but to get the most out of your account you need to be strategic.
It doesn't matter how much you invest, the important thing is to invest because it'll help you grow your wealth, pay yourself first and change the way you think about money.
The negative impact of debt is not spoken about enough. If left unchecked for too long using debt can leave you in a trap that is tough to get out of. Tom tells us more in this episode.
Many of us who are employed have some sort of retirement investment (I hope!). But did you know you have options to save more for retirement?
We started Francly Speaking to help educate people about investing and personal finance. In this episode Thomas Brennan, our CEO talks all about it. Visit our website to find out more about what we do.