It may be easier to stick to your financial goals if you have a strong investment philosophy in place.

Institutional investors expected another economic pullback after a new covid variant was discovered in South Africa.

Managing your cash flow has become critical since this Covid crisis emerged. Most have lost or have reduced income. To meet this historic challenge the governments have legislated emergency financial assistance for those unemployed after the business stoppage. Before requesting an early distribution from your retirement savings or using financial support for continuing expenditures as usual, it is a time to look at your spending patterns and habits. Zero-based budgeting is a good discipline. Scrutinize...