Most people think investing is only about money. But time is just as powerful. The earlier planning starts, the greater the effect of compounding, and the less money is needed later to reach the same goals. Think of two investors. One starts saving small amounts at age 25. The other waits until 40 and contributes […]
Spring is a season of renewal. Homes are decluttered, gardens revived and routines feel lighter. Finances deserve the same attention. A financial spring clean clears clutter, sharpens focus and creates space for growth. Declutter the basicsUnused accounts, forgotten debit orders and old subscriptions quietly drain money. Closing what no longer adds value makes finances easier […]
Access to financial information has never been easier, but knowledge alone doesn’t guarantee success. The real challenge is how to apply that information effectively. Financial education is crucial for empowering the next generation to make smart financial decisions, break cycles of uncertainty, and build lasting wealth. Breaking the Cycle In a world flooded with financial […]
Retirement is no longer a simple destination – it’s a journey that stretches longer than ever before. With increasing life expectancy, retirement planning must evolve to keep pace with our changing world. Today, people are living longer, healthier lives. But this presents a new challenge: ensuring that your retirement fund not only lasts but also […]
Ask ten people what wealth means to them, and you’ll get ten different answers. Ask the same person ten years later, and their answer may have changed entirely. That’s the nature of wealth. It’s not just about money. It’s about what money makes possible – and that shifts as life moves on. The meaning behind […]
In investing, doing nothing is often seen as a failure to act. But in reality, the right kind of inaction can be one of the most powerful decisions you make. When markets are noisy or the economy feels uncertain, the instinct is to adjust, react or move to something that feels safer. But more often […]
When markets become volatile and headlines turn dramatic, the instinct to act can feel overwhelming. But the most successful investors know that true performance is built not on perfect timing, but on consistent, long-term discipline. Reacting emotionally to short-term noise can lead to costly decisions. Selling during a downturn or chasing performance after a rally […]
In a world of AI-driven portfolios and algorithm-based predictions, investing has never been more accessible. But while digital tools offer speed and convenience, they can’t replace the judgement and perspective of an experienced financial adviser. At Schonberg Wealth, we believe the strongest investment strategies are built on the right balance: combining real-time technology with expert […]
Investing can feel daunting, even for those who understand the basics. There’s a difference between knowing what to do and feeling confident enough to take action. Bridging that gap is crucial for making sound financial decisions. Financial literacy forms the foundation. It equips you with the skills to interpret market movements, understand risk, and set […]
After three brief rate cuts in late 2024, many South Africans hoped for lasting relief. But by early 2025, that hope has been replaced with a harder truth: interest rates are likely to remain high. The South African Reserve Bank has paused further cuts. At its March meeting, it held the repo rate at 7.50 […]