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1024 683 Maysure Financial Services

Moving from a Bull to a Bear Market

The Maysure logo has a bull and a bear in it. This is no mistake.

The two animals which make up our icon illustrate how we partner with our clients during the good, the bad and the ugly when it comes to investing their money. Developing wealth over the long-term can feel overwhelming at times, especially in times of crisis, so its important to have a planning partner who understands your personal needs.

Long-term investing can be dauting and looking at a market such as the one we currently find ourselves in, every instinct can be to get up and run. To pull out all your investments because watching them dip dramatically is too much to handle.

When it comes to your current long-term portfolio, its important not to make any rash decisions without speaking to your advisor. A market like this might seem dangerous and terrifying, especially when it comes to your long-term investments, but all throughout history these are the markets where waiting it out for investors has worked out.

We currently find ourselves in what we would call a bear market, and having just been in a bull market, things can feel upside down.

A bull market is on the rise in a stable economy, and it feels safe. A bear market is unstable with stocks declining in value as the economy is receding.

One of the most iconic investors of our time, Warren Buffet made most of his money in a bear market. He is famously quoted on saying

“The investor of today does not profit from yesterday’s growth.”

“Be fearful when others are greedy and greedy when others are fearful.”

What goes down must come up, and when it’s down the price and value you pay for certain stocks and investments means that ultimately, when they go up again you will have more value in your stocks than you would have had if you purchased them during a bull market phase.

We believe now is the best time to consider investing in the Sygnia Life Berkshire Hathaway Fund.

This innovative and low-cost fund gives South Africans access to the global investment powerhouse Berkshire Hathaway Inc. Run by two iconic executives: Chairman and CEO Warren Buffett and Vice-Chairman Charles T. Munger.

More on the fund

Berkshire “A” shares are valued at over four million rand per share, this means that the stock has a high average annual growth rate. It was previously closed to a small group of investors, but you now have the opportunity to invest in this fund through the Sygnia Life Berkshire Hathaway Fund.

Investing in a fund developed by someone who made his fortune off of markets like the one we are in, betting on that fund at a time like this could pay off.

Being in a bear market is ideal for someone who wants to invest and is prepared to ride the wave.

Get in touch with us if you would like to know more about this fund.

If you would like to discuss this further, feel free to get in touch with us.

☎️ +27 11 839 2302


1024 576 Maysure Financial Services

Offshore Investing

Offshore investing may sound daunting to first-time investors and may still seem rather complex for the avid investor, but we are here to help you understand what it is, how it can benefit you, and the best way to go about it.

Essentially investing offshore gives you the opportunity to tap into different economies and regions, as well as access industries and companies that aren’t available to invest in within South Africa.

While global investment may seem like a better idea considering the current economic climate, investing offshore doesn’t mean that you will get the most bang for your buck. Returns depend on current global economic conditions and exchange rates, which you can prepare for together with your financial planner.

The benefits of offshore investments include:

  • Reduced risk because of the diversified portfolio
  • Access to a wider range of investment opportunities
  • The ability to grow your money across global industries, companies and currencies not available in SA

When you spread your money across various markets and currencies, you minimise the impact of currency depreciation, political factors, market trends and events, which can have a sizeable impact on growing your wealth. Taking a portion of your investment out of the country means that capital loss risks are minimised as greater diversification is a key element in reducing risk when it comes to financial investments.

One of the major benefits of investing offshore is that you can reduce the emerging market risks that come when investing locally. SA remains an emerging market regardless of all the first world investment industries available to local investors. We are still a small fish in a big ocean, with an open economy that is illiquid and has a consistently volatile stock market.

A long-term view is required to fully benefit from offshore assets’ return potential. While investing offshore can seem attractive, it’s important to consider where the return from investment could come from, the exchange rate and/or the underlying foreign investment. The impact of the exchange rate needs to be strongly considered when it comes to foreign investment.

What is the best way to go about investing offshore?

This all depends on you as we believe that no two lives are exactly alike. We would need to look at your personal circumstances, risk profile and your long-term planning goals.

The answer depends on investors’ personal circumstances, risk profile and longer-term financial planning objectives.

If you would like to discuss the potential of investing offshore, get in touch with us and we can talk you through everything you need to know.

☎️ +27 11 839 2302