151
Same here NPeanut. Also trying to look at it as a positive correction, just wish I had more money to invest right now.
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153
Shares / Re: TFSA vs RA vs Satrix - Calculator
« on: July 07, 2015, 01:39:30 pm »
Big mac index?
154
Shares / Re: Sector PE ratios.
« on: July 02, 2015, 07:47:49 pm »
It would be very interesting to compare that to historical ratios.
156
Shares / Re: Thoughts about a bankrupt Greece - possible consequences.
« on: June 16, 2015, 03:50:19 pm »
Well it will most likely mean they have to leave the EU. There would also likely be a bank run, which if you're a gambling man, could see a sharp rise in the price of bitcoins. After leaving the EU they would lose the euro so it'd be back to the good old drachma. I expect they'd start printing plenty of it, so they'd have a very high inflation rate. So basically, a very bad time to be earning your salary in greece.
From what I've read the rest of europe should be ok thanks to the ECBs bond buying program, so while there could be a correction in the markets, there probably won't be a catastrophe.
From what I've read the rest of europe should be ok thanks to the ECBs bond buying program, so while there could be a correction in the markets, there probably won't be a catastrophe.
157
Shares / Re: TFSA vs RA vs Satrix - Calculator
« on: June 10, 2015, 02:45:30 pm »*sulks at salary - i will be there in a few years i hope*I rounded down a little
i have divided the difference between current age and 55 in 4 parts, thus resulting in (55-40)/4 = 3.8 years per result. you are welcome to modify the constants(analyze after year) to 4, 5, 6 and 7 to see a more accurate result for those years. (year 6 seems to be the extreme limit with 1K surplus)
not sure if i follow your last statement? Inputting your values shows that RA/TFSA/Equity is higher? (112k surplus vs 67k maxing equity only after 7.5 years)
excel will highlight the bigger value green
Here's the query:
Results(FI After 15 years)
Yearly Salary "Max TFSA then Equity
(no RA)" Max Equity only Max TFSA then RA then Equity Max RA then TFSA then Equity
RA (15%) R 0,00 R 0,00 R 359 365,37 R 483 959,65
TFSA R 152 760,08 R 12 603,98 R 153 099,74 R 147 385,83
Equity R 5 952 262,70 R 6 211 969,35 R 5 380 981,96 R 5 280 140,85
Required R 1 217 552,98 R 1 217 552,98 R 1 217 552,98 R 1 217 552,98
Total surplus (after tax) R 4 498 042,92 R 4 597 112,03 R 4 206 445,16 R 4 185 992,94
"Total yearly surplus
(Inflation adjusted)" R 1 746 296,55 R 1 784 758,62 R 1 633 088,17 R 1 625 147,90
As you can see, the total surplus is highest on equity only. I would have thought it would be highest on RA, TFSA then equity but it's lowest there.
158
Shares / Re: TFSA vs RA vs Satrix - Calculator
« on: June 10, 2015, 12:43:51 pm »
Excellent work 
I'm trying to run the following figures:
Yearly pay (Before tax) R 1 000 000,00
Pay increase per year(%) 6
Gain rate RA (%) 10
Gain rate TFSA (%) 12
Gain rate Equity (%) 12
"Invest perc of income
(after tax) (%)" 50
Limit RA contrib cap to (%) 15
Current Age (years) 40
Current RA portfolio R 0,00
Current TFSA portfolio R 30 000,00
Current Equity Portfolio R 5 000 000,00
Why does it give me the results after 3.8, 7.5, 11.3 and 15 years?
If it's accurate, it looks like in this scenario you'd be FI somewhere between 3.8 and 7.5 years.
One thing which I think may be a mistake, using the figures above it ranks max equity higher than max TFSA then equity even though the gain rates are the same.
I'm trying to run the following figures:Yearly pay (Before tax) R 1 000 000,00
Pay increase per year(%) 6
Gain rate RA (%) 10
Gain rate TFSA (%) 12
Gain rate Equity (%) 12
"Invest perc of income
(after tax) (%)" 50
Limit RA contrib cap to (%) 15
Current Age (years) 40
Current RA portfolio R 0,00
Current TFSA portfolio R 30 000,00
Current Equity Portfolio R 5 000 000,00
Why does it give me the results after 3.8, 7.5, 11.3 and 15 years?
If it's accurate, it looks like in this scenario you'd be FI somewhere between 3.8 and 7.5 years.
One thing which I think may be a mistake, using the figures above it ranks max equity higher than max TFSA then equity even though the gain rates are the same.
161
Shares / Re: Pulverized Sand Box
« on: May 22, 2015, 04:45:05 pm »
You and my wife have something in common. Expensive taste! 
162
Shares / Re: PPC - Buy at R17-00
« on: May 22, 2015, 11:10:12 am »
PPC looking quite healthy quite quickly since your prediction Pilot. Did anyone buy?