Sebastian Patel - Francly Speaking

What You Can Learn From the 2023 Budget Speech

The contents of the budget speech affect the entire country, not just a select few. We've broken down some key notes for the everyday South African.

Sebastian Patel Mar 1, 2023 • 3 min read

News

Let's Change Our Heritage

Heritage Day celebrates the cultural wealth of our nation. But there are things we need to fix.

Sebastian Patel Sep 22, 2022 • 3 min read

Tips

Money Management In The Gig Economy

Over the past few years, many people have made the transition from normal 9-5 jobs to working in the gig economy. So here's a breakdown on managing money in these roles.

Sebastian Patel Sep 1, 2022 • 3 min read

Investing

5 Investment Mythbusters

Growing up, many of us have perceptions about investing that we (hopefully!) figure out later are not correct. Here are 5 myths from the past that aren't true today.

Sebastian Patel May 19, 2022 • 3 min read

Investing

Income vs Capital Growth

Income earned and realised capital gains (when you sell something for more than you paid) have different tax consequences. This is one of the considerations to make when investing.

Sebastian Patel Mar 9, 2022 • 3 min read

News

So, Those Markets Hey...Q4 '21

Although there was some nervousness around Omicron and what it could bring, the local equity markets performed very strongly over the last quarter.

Sebastian Patel Jan 13, 2022 • 3 min read

Investing

Don't Cash in on Your Retirement Savings Early

If you resign or are retrenched from your employment, you are able to access your Retirement Investments. Doing so could jeapordise your ability to retire comfortably.

Sebastian Patel Dec 8, 2021 • 4 min read

Investing

Differences Between Investing and Trading

Investing and trading are often confused, just like investing and saving sometimes are. However, there are quite a few major differences between the two.

Sebastian Patel Nov 23, 2021 • 3 min read

Investing

So, Those Markets Hey...Q3 '21

The price of the Satrix 40 ETF fell just over 2% over the past quarter. This is a reasonably small change, but let's look at what caused the drop.

Sebastian Patel Oct 12, 2021 • 3 min read

Investing

What are Shares?

Who can own shares? What do they get you? Why do people buy shares? This article breaks it down for you.

Sebastian Patel Sep 16, 2021 • 4 min read

Investing

Investing is a Marathon, Comrade

Investing for the long term is one of the ways to decrease your risk and save on fees. Read this article to learn more about why investing is a long-term thing.

Sebastian Patel Jul 22, 2021 • 4 min read

Investing

So, Those Markets Hey...Q2 '21

What goes up must come down. The Satrix Top 40 dropped 2% last quarter however, the movements of the companies within the fund are what this article focuses on.

Sebastian Patel Jul 8, 2021 • 3 min read

Investing

What Type of Investor are You?

Knowing what type of investor you are is important because it will help you when you are creating your investment strategy.

Tara Williams Jun 24, 2021 • 3 min read

Investing

What is an ETF?

ETF stands for "exchange-traded fund" it is a fund and yes it is traded on an exchange exactly like a share is. Read this article to find out what the difference is.

Sebastian Patel Apr 29, 2021 • 3 min read

Investing

So, Those Markets Hey...Q1 '21

Last quarter the markets continued their historic rise. This article is a simple breakdown of the Top 40 JSE listed companies Q1 for 2021.

Sebastian Patel Apr 8, 2021 • 3 min read

Tips

Tax-Free Savings Accounts - Make Them Work Harder for You

Tax-free savings accounts were introduced to encourage South Africans to save, but to get the most out of your account you need to be strategic.

Sebastian Patel Mar 25, 2021 • 4 min read

Investing

Retirement Funds Explained

Many of us who are employed have some sort of retirement investment (we hope!). But did you know you have other options to save more for retirement?

Sebastian Patel Mar 4, 2021 • 4 min read

News

So, Those Markets Hey... Q4 '20

Have you wondered why your Satrix Top 40 ETF investment has been doing so well since the last quarter of 2020? This is a breakdown for you.

Sebastian Patel Jan 14, 2021 • 3 min read

Investing

What is a Money Market Fund?

Franc's cash fund is the Allan Gray Money Market Fund. Now, what exactly is a money market fund?

Sebastian Patel Jan 7, 2021 • 3 min read

Tips

Tips to Control Your Festive Spending

It is no secret that people overindulge during December and 2020 has been one corona-coaster of a year, but now is not the time to be overindulging.

Sebastian Patel Dec 17, 2020 • 2 min read

Tips

Black Fri-yay

This year it seems like Black Friday has turned into Black November. Here are some tips on how to take advantage of the deals responsibly.

Sebastian Patel Nov 19, 2020 • 2 min read

Investing

Passive Income and F.I.R.E

Money never needs to rest, it can work for you 24/7/365. Learn about passive income how much you need to retire early!

Sebastian Patel Nov 12, 2020 • 3 min read

Tips

Money Cardi-O

If you have money sitting in a bank account make sure that money isn't lazy, get it to work for you.

Sebastian Patel Oct 15, 2020 • 2 min read

News

So, those markets hey... Q3 '20

The price of the STX 40 ETF fell 0.26% in the last quarter but that a lot more happened behind the scenes.

Sebastian Patel Oct 8, 2020 • 3 min read

Tips

Higher Learnings

If you have started to put money away during lockdown, try keep it going as much as possible.

Sebastian Patel Sep 10, 2020 • 2 min read