Mduduzi Luthuli

Couple Goals

As the first quarter of the year ended, my wife and I had our annual planning session. The true advantage of marriage is the ability and privilege of combining your resources and energy behind a common cause and vision. If we are to venture into and conquer the unknown, if we are to truly start […]

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The Road Less Travelled

Jeff Bezos, founder, chairman, CEO, and president of Amazon is one of the richest men in the world. In a meeting with Warren Buffett, he asked America’s most prolific investor, “Your investment thesis is so simple. You’re one of the richest guys in the world, and it’s so simple. Why doesn’t everyone just copy you?” Warren Buffett responded

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Drink the Kool-Aid

I often say to clients that only when the market crashes, will I know who trusts me. Only then will I know who has drunk the Kool-Aid. In the world of investment, where bull markets can make even the most novice of investors appear astute, the true mettle of an investment manager is not measured

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In every aspect of life, money plays a pivotal role, from managing family finances and saving for significant purchases to fundraising for business ventures. Thus, understanding and positioning money accurately in our lives is crucial. Money, often viewed through extremes of love and hate, holds neither the inherent beauty nor the dread many of us

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Lessons From My Mentors

As a personal finance blogger, I’ve gone through my fair share of financial advice books. Let’s face it: many of them can be quite dull. They’re filled with investment strategies and tax loopholes but often miss the human touch, making them feel like repetitive lectures rather than engaging lessons. This is why I’ve turned to

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Are Markets Efficient?

In 1907, a man named Francis Galton discovered something fascinating at a fair. He noticed that when 787 people guessed the weight of a cow, the average guess was almost exactly right. This showed the power of the “wisdom of crowds” – the idea being that a group of people can produce a very accurate

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Take The First Step

Throughout my career, I’ve noticed a fascinating contradiction: the gap between what we know and what we actually do. I’ve come to realise that the most effective financial guidance must be rooted in an understanding of human behaviour, not just in number crunching, because humans are a strange bunch, endlessly intriguing and often unpredictable. It’s

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Beginners Mind

Embarking on a journey of self-improvement often begins with a moment of realization; you want to change, to evolve into someone better. Yet, this desire is frequently shadowed by the weight of past decisions and the enormity of the path ahead, leading to a sense of defeat before the battle has even begun. So how

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This Time It’s Different

As someone who embarked on their investment career shortly after the 2008 global financial crisis and weathered the storm of the 2020 stock market crash, I’ve witnessed first-hand the cyclical nature of financial markets. These crises, though different in their causes, share a common aftermath: the lasting impact on investor portfolios and psyche. Despite the

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