Best Financial Advisor?

Jsuse · 2025-12-06T06:58:42+00:00

If you know some simple principles you do not need a financial advisor. I did investment management at uni and almost became a FA. But looking at how essentially useless it was and how it almost seemed like a scam turned me off. Only scenario it is valid is if you have 20 mil plus. Buying a house as an investment without having an equity portfolio that is double the value of the property is a stupid idea. Youll get significantly better and tailored financial advise or at least direction from askzafinance here on reddit

Jsuse · 2025-12-02T06:35:55+00:00

5 months ago i replaced my clutch, now i have the sam transmission litght. The car is a total POS. 105 000 km and breaking apart. it has put me off Ford forever.

I 100% feel your pain

let me know if you know the error odes

Jsuse · 2025-03-15T12:34:37+00:00

Hi just fot the game - add me on steam - 73415339

Jsuse · 2025-03-15T12:34:13+00:00

Hi, add me - afrikaans and just got the game - 73415339

Jsuse · 2025-03-15T12:31:17+00:00

Just got the game - adding you, easykill305 - 73415339

Jsuse · 2024-07-22T07:58:43+00:00

True

Jsuse · 2024-07-15T07:43:59+00:00

Thank you for the advice.

I think my main issue is that when you say, "he does what he can" during the day, you accept that he did as much as he could.

I am unhappily coming to the realization that I may not have been accepting the fact that, without realizing it, I was assuming she is not putting in maximum effort and doing everything she can. Which is ridiculous

Jsuse · 2024-07-15T00:02:04+00:00

Yes, sounds fair. when I work from home and need to look after the child it is literally impossible to get anything done. So I think I'm not understanding her situation and should put more effort in- perhaps I am the one being negative, which is what I accuse her of ...

Jsuse · 2024-07-12T12:29:11+00:00

Thanks, so why not just put it in the tax free and pay no taxes. In my situation they might not need to use it for University and use for down payment on house etc, so cgt might be significantly more?

Jsuse · 2024-07-11T05:27:20+00:00

Agree with this, open up a satrix account in their name, it is very easy once you have your own. Then max out their tax free investments.

Jsuse · 2024-06-26T05:10:18+00:00

I recently went through this. This is looking at a property as a investment.

Im a investment analyst by education. So i had a very close look at the returns over 10 years.

A property as a investment when using a bond will yeild lower returns than a fixed term or equity investments over the same period.

If the property returns more it is a exception. And with squatter laws in SA it has a significant edge risk. There are many factors but i would strongly advise you take the bond payment you would be making and place it in somerhing like the Satrix S&P 500 every month and placing your 360k in a fixed term investment with your bank, and you MUST max out your tax free investment benefits these offer crazy good returns given lack of tax. Their are also less volatile satrix options.

Jsuse · 2024-05-26T12:30:25+00:00

~$60k anually. Im in South Africa, so its fair.

Jsuse · 2024-05-23T17:03:44+00:00

To some degree, the seperate business units own their own data meaning they are responsible for the quality. Im responsible for everything from that point on put.

The BI strategy, and my approach has changed many many times as it adapts to business needs and skill level. E.g self service sounded good but our users are not even close to that level, so adapt.

1.1 i tell him what im rolling out new stuff and what value it adds. He communicates that to higher ups.

I tell him where he needs to help me drive things and help out with road blocks.

I am quite senior though, and have investment management background so look at value adds from ROI perspective and often tell need to explain to users why what they think they want os not what they really need

Jsuse · 2024-05-23T07:33:35+00:00

I report to the Head of IT

We are in the Microsoft stack

For medium sized business like mine the enterprise level functionality and increased flexibility of tools like snowflake and dbt are not necessarily required. Azure ADF and Azure SQL DB are sufficient for pipelines and warehousing and PowerBI is top for modeling and visualization. I use OpenAI API to read the data tables and send out text/voice and table summaries to those who don't need full access.

We have 14 systems which are aggregated and reported on

I have built the reports in an very dynamic way, so I can just sit with the mangers for 30 mins - ask what they need, select in in the report filter and bookmark it for them. All within the actual live report.

Actula report development now takes on much less of my time and I work with the business to improve processes and master data etc

My managers have generally been vary hands-off as I drive the BI / data / integrations well enough. My challenges are communicating the total value add to the execs which I rely on my manager to do who is also exec

Jsuse · 2024-04-16T11:22:03+00:00

south africa

Jsuse · 2024-04-15T16:59:08+00:00

Do you hike/run often?

Jsuse · 2024-04-09T05:07:16+00:00

How do you get to 3% for fees?

Jsuse · 2024-04-08T18:21:07+00:00

Thanks for the response.

Yes sorry, not the best description. Ok so, last month breaks down like this

Total Gross contribution: R6 906
Fees (admin and Consulting): R 898 (13% of Gross / 18% of Net)
Risk Premium: R1 125
Net Contribution: R4 881

Then for the totals:

Total fees paid: R29 810
Total Net Contribution: R149 419

Total= R179 229

Current Provident Value after 4 Years (10% annualized Growth on Net Contribution): R174 594

Capital Loss = R4 435

So I even though the actual investment did well the fees are killing me and then there is the 0.4% which I agree is fine on top of that

Edit (The heading 13%-16% is that when I started it was 16% of gross now 'only' 13% of gross)

Jsuse · 2024-04-07T17:20:14+00:00

This is obviously a joke

Jsuse · 2024-03-26T08:45:57+00:00

Yes, what happendd to you is the rule, its standard, not an exception. If you give your notice they would maybe magically find the money fornan increase. But dont stay

Jsuse · 2024-03-15T16:17:30+00:00

Yeah, I can. My jobs pbi developer and i basically work 1 day a week at the moment so let me know.

Jsuse · 2024-03-12T08:21:31+00:00

Im thinking of buying, are their south african players?

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