We are now in December, which is generally a month of spending rather than investing. Of course, it shouldn’t be that way if you have the correct financial plan in place, a topic that Siyabulela Nomoyi (Quantitative Portfolio Manager at Satrix) joined me to discuss. We couldn’t resist the opportunity to dig into ETFs as well! In the final Ghost Stories podcast with Satrix for 2023, topics covered included: The right way to think about saving and investing, particularly in the context of December and January. The benefit of tax-free savings accounts and how interesting they can be with ETFs. The range of equity ETFs, from vanilla products through to factor ETFs. Local vs. offshore and how to play this heading into 2024 as a potentially volatile year in South Africa. The performance of bond ETFs in 2023. Real estate and infrastructure ETFs. The difference between ETF and unit trust structures. And just for fun, I also asked Siya what he would choose as his ETF exposure going into 2024. There’s so much in here, underpinned by Satrix’s commitment to South African investor education. To find out more about SatrixNOW, visit this link>>> Disclosure Satrix Investments (Pty) Ltd is an approved FSP in term of the Financial Advisory and Intermediary Services Act (FAIS). The information does not constitute advice as contemplated in FAIS. Use or rely on this information at your own risk. Consult your Financial Adviser before making an investment decision. While every effort has been made to ensure the reasonableness and accuracy of the information contained in this podcast (“the information”), the FSP’s, its shareholders, subsidiaries, clients, agents, officers and employees do not make any representations or warranties regarding the accuracy or suitability of the information and shall not be held responsible and disclaims all liability for any loss, liability and damage whatsoever suffered as a result of or which may be attributable, directly or indirectly, to any use of or reliance upon the information.