Showing my R624k investing portfolio in South Africa at 32 

Love it! Thanks so much!

You are super welcome! When I started this channel nearly 2 years ago now, that was the kind of content I wanted to see. Not people talking theoretically, I wanted to see real world investments and breakdowns. See the real wins and losses so I could make my decisions. Like if you were chatting with a friend and showing them your EE portfolio on the screen and chatting about each company and what you thought was good and bad. And growing wealth together. So I'm really glad that you're enjoying that 😁!! Thank you!

This is such a great comment. Thank you SO much! 😊 Don't worry, it is definitely part of the plan to keep making videos on this channel until I'm 50 or beyond. That's the beauty of the finance and investing world. It is never done, and there is always new things to explore and talk about and I'll always want to update you on the journey! 😊 Really appreciate it!

Thank you so much, this is one of the best comments I have received :)

Thank you so much! Really appreciate it 😊 It's such a great community, really enjoying it there 🙌

That's incredible! Thank you so much for this comment :)

That is so awesome! I can't wait to have you there 😊🙌! Looking forward to it! 😁

Ah thanks so much. Glad you're enjoying the videos 😊 Yes so the lowest rate you get with Tyme Bank is 7%, which builds up after a couple of months. But Tyme has a program where if you bank with them transactionally it goes up, such as having your salary deposited into your Tyme account. Things like that, if you do all of them it brings it up to 11%. So it's actually a great bank for savings interest 🙌

They are honestly one of my favorites to make as well 😄🙌! I dig them. It takes quite a while to make them and put them together, so will do them every now and then. But yes I do this update on the Casual Cash Club each month now. I really hope you enjoy it, it's such a cool community. I came across an email on Patreon showing me how to do the 7 days free. So awesome for everyone to be able to come in 😁🙌

@@CasualCash I'll definitely join the free trial, if i like what i see then im becoming a paying member. Thanks once again for the lovely content

Absolutely 😁🙌! But one way or another I'm really glad you're enjoying the content! Means the world 👌

Amazing!! Thanks so much, I really appreciate it 😊

Thank you so much. Really appreciate that!

Thanks for this 😊 Let me try again. So if I have R200K in a savings account I am earning 8% positive interest. But if I owe R100K on my car, I'm 'losing' 13.5% interest. So I'm losing interest by keeping it in savings. So I'll transfer R100K from savings, to pay off R100K from Wesbank/Car Loan. THEN, I pay myself back monthly. So if I'm saving R2,000 in my monthly Wesbank payment, I pay myself back and I charge myself 9% interest. It's all tracked on a spreadsheet. So instead of owing Wesbank, I owe myself the R100K and pay myself back. So I'm saving 13.5% interest from Wesbank, and because I'm charging myself 9% on my spreadsheet. I am making more interest than keeping that money in savings, but less than owing 13.5%. So simply, I borrow R100K from my savings, pay off my car, then pay my savings account back monthly with interest to myself. I hope that makes better sense 😄. If it doesn't, let me know and maybe I should then put it together better in a video with some graphics 😄

Thank you so much. That’s makes a lot more sense. I think it would make a good video idea in the future. Having a visual illustration is always better. But I do understand. Thanks for taking the time to explain.

I still am lost a bit on this one and would love to understand this concept bit better as I want to bring interest on my home loan and car down

Hi Daniel, That is actually a brilliant suggestion. So much so that I have taken a note down in my video ideas section. I think that would be so interesting and fascinating to do and break down for you guys. Awesome suggestion! Thank you 😄 looks like I need to get to work!

loving this idea.

Hahahaha thank you so much 😄 great comment. I'm really glad you asked that. Well there are two answers, obviously I'm biased because I think it is quite a nice portfolio 😄. But I actually wouldn't necessarily advise to copy it exactly. For a couple reasons. The first is that if you're starting out, and maybe don't have R260K (maybe you do) you would likely be spreading yourself thin to try and invest in all of them. To start off with, it is probably better to focus on a few good ones. Which I'll give feedback on now. The second reason is that there are some of my investments which are situational. Where I invested because there was an opportunity at the time that there no longer is. For eg some of my UK stocks I invested when their market was down in Oct last year when they had some prime minister issues. It is 30% up, but won't have the same returns now. So I wouldn't copy exactly, if it were me I would start with some solid stocks or ETF's, and build those up. And in time see what others you are interested in to add. So perhaps to start with S&P500, or maybe Schwab Dividend Equity ETF. I think the main problem is spreading too thing trying to copy exactly. But could definitely take a few you like and slowly build up good positions in it. Hope this was some good feedback. But just investing to start with is amazing and wishing you the best of luck. Anymore questions just shout 😊

That is an annual payout, i really wish it was monthly haha :)

Thanks for this 😊 Let me try again. So if I have R200K in a savings account I am earning 8% positive interest. But if I owe R100K on my car, I'm 'losing' 13.5% interest. So I'm losing interest by keeping it in savings. So I'll transfer R100K from savings, to pay off R100K from Wesbank/Car Loan. THEN, I pay myself back monthly. So if I'm saving R2,000 in my monthly Wesbank payment, I pay myself back and I charge myself 9% interest. It's all tracked on a spreadsheet. So instead of owing Wesbank, I owe myself the R100K and pay myself back. So I'm saving 13.5% interest from Wesbank, and because I'm charging myself 9% on my spreadsheet. I am making more interest than keeping that money in savings, but less than owing 13.5%. So simply, I borrow R100K from my savings, pay off my car, then pay my savings account back monthly with interest to myself. I hope that makes better sense 😄. If it doesn't, let me know and maybe I should then put it together better in a video with some graphics 😄

@@CasualCash I also had a hard time understanding what you were talking about. Would be nice if you made that video with graphics for us visual learners😅

Thoroughly noted, I will see what I can do 😄

Thanks for explaining it in depth

😊🙌

Thank you! Cheers :)

Unfortunately not 😊 it is in the property industry 😊

Growth point

@@beeble10 I'm going to check it out

You are most welcome :) Unfortunately i cannot put my salary here because I have work colleagues who watch the channel and of course you cannot share that information with other staff. But I work as a Portfolio Manager for a property company :)

Brilliant question. Yes there is a reason, but nothing bad. Simply Investec was offering 8.15% interest and Tyme Bank the highest I could get was 7%, without having to change me banking over to them. So simply it was just better interest and income at Investec for now. But Investec is linked to the prime interest rate, so one day when interest rates come down, it can come down back to 3.5% and then Tyme will be higher so I'll probably move back at that time. 😊

Sorry the R20K for Coronation Strategic Income is in my TFSA account :)

@@CasualCash I see. Is there any reason why you don't max it out every year? Seems as though you have the resources to do so

Most welcome! 👊 These are all common stocks 👌 first time I've heard that question 😄

They are 0 😊 there are no monthly or transaction fees on this account! It's brilliant!

So there is the possibility of EE going belly up. But there is not the possibility of losing either money or shares, because of the way brokers have to be structured and report into the regulatory authorities. So EE does not hold any assets in their company, they are held separately. So the company can fail, but you will not lose your assets, you would just have to move them :) Property. I did invest in property previously and I sold it. There are a few reasons, but what I can tell you is that in the near future I am looking to start investing back into physical property again :) stay tuned.

@@CasualCash does this principal apply to all brokers, eg franc app, revix , luno etc?

You are absolutely right. Those definitely do play a factor. Briefly in previous videos I have gone through the fees and costs of my ETF's. I think it would add another layer to be able to see the final returns, i will see if I can perhaps add that in :)

No you are absolutely right! I might not have communicated too well at that part. But I still continue to dollar cost average into the Satrix40 each month. Also the S&P500 and FTSE100. So I continue to DCA in those, for exactly those reasons you mentioned. It is just the other SA shares I haven't topped up. Also, not to say that certain SA stocks are not a good investment right now. Many of them are. Just that with the limited funds to invest I put them in the USA market in the hopes of best returns. But I still think there are good returns in Satrix40 and SA in general. And yes I still DCA in Satrix40 and others 😊

Two seperate things 😊 Let me try again. So if I have R200K in a savings account I am earning 8% positive interest. But if I owe R100K on my car, I'm 'losing' 13.5% interest. So I'm losing interest by keeping it in savings. So I'll transfer R100K from savings, to pay off R100K from Wesbank/Car Loan. THEN, I pay myself back monthly. So if I'm saving R2,000 in my monthly Wesbank payment, I pay myself back and I charge myself 9% interest. It's all tracked on a spreadsheet. So instead of owing Wesbank, I owe myself the R100K and pay myself back. So I'm saving 13.5% interest from Wesbank, and because I'm charging myself 9% on my spreadsheet. I am making more interest than keeping that money in savings, but less than owing 13.5%. So simply, I borrow R100K from my savings, pay off my car, then pay my savings account back monthly with interest to myself. I hope that makes better sense 😄. If it doesn't, let me know and maybe I should then put it together better in a video with some graphics 😄

@CasualCash thank you very much. I understand your method and agree it is a wiser way to 'borrow' money. So, in essence, your savings are roughly R200K. You decide to buy a car and pay R100K. Instead of marking that R100k as an expense, you mark it as a loan to yourself. Therefore, creating your own debt and increasing net worth.

Sorry the R20K for Coronation Strategic Income is in my TFSA account :)

Haha I have seen in the last 3 months that Aus stocks have been doing SO well. I have been hesitant because I don't know too much about the Aus market yet and their economic situation etc. It's been on my list but I need to learn more. What do you think about them at the moment?

@@CasualCash honestly I think the AUS stocks are undervalued.There aren't as big as the US or EUR, and the growth of market is mild. There's potential in that market. It only needs recognition.

Unfortunately there is no rand based investment that invests in the SCHD that I know of. I believe the only way to do it is through the USD account on EasyEquities (or other brokers). But I don't think it is too difficult to open that up and transfer over. if that is something you want to do :)

@@CasualCash considered doing it on EE USA account however just considering the costs along the way be eating in the small DCA of my investments.

Hahaha nice, I think that deserves a special prize of some sort 😄🙌

Hey there, Thanks for asking. Yes, everything I mentioned in this video in terms of stocks and ETF's is available on EasyEquities 😊. I keep my whole portfolio there.