Investor Education
How to build a long-term investment plan
A well-structured, comprehensive long-term investment plan is vital to achieving financial stability and reaching significant life goals, such as retirement, funding education, buying property or attaining financial independence.
20 August 2025
Retirement Planning
Ageing and retirement preparation - The Imperfect Path to Retirement
20 June 2025
Retirement Planning
Who is responsible for your retirement?
Rethinking employer vs. personal retirement planning ownership
20 June 2025
Retirement Planning
Life insurance versus funeral cover: Why it's vital to understand the difference.
20 June 2025
Investor Education
Analysing a company's balance sheet
A balance sheet is one of the three fundamental statements in financial reporting. Along with the income statement and the cash f low statement, it helps provide a rounded view of a company's overall health and strategic direction. The balance sheet captures a company's financial position at a specific moment in time, demonstrating the resources under the company's control, the debt obligations it must settle, and the residual interest left to shareholders. Through analysing what an enterprise owns, owes, and retains, one can form an informed opinion about its liquidity, solvency, and capacity for growth.
13 May 2025
Investor Education
Understanding the impact of global supply chains on markets
Global supply chains play a vital role in modern economies - linking producers, suppliers, and consumers across continents. While these interconnected networks have revolutionised the way goods are produced and distributed, they also expose markets to vulnerabilities when disruptions occur.
19 February 2025
Investor Education
Understanding analyst ratings
Navigating the equities market requires a keen understanding of various tools and indicators that can guide investment decisions. Among these, analyst ratings—often simplified into "buy", "hold", and "sell" recommendations—play a crucial role in shaping investor behaviour and market dynamics. These ratings are issued by financial analysts who assess a company's financial health, market position, and future prospects. Although straightforward at first glance, the implications of these ratings are far-reaching and complex, warranting a deeper exploration.
16 October 2024
Retirement Planning
Ageing and retirement preparation - The Imperfect Path to Retirement
20 June 2025
Retirement Planning
Life insurance versus funeral cover: Why it's vital to understand the difference.
20 June 2025
Disclaimer
This Publication note is issued by FNB for the information of clients only and should not be produced in whole or part without prior permission. Although FNB is an Authorised Financial Services Provider, any opinions and/or analysis contained in this Publication are for informational purposes only and should not be considered advice, including but not limited to financial, legal or tax advice, or a recommendation to invest in any security or to adopt any investment strategy. The information contained herein has been obtained from sources/persons which we believe to be reliable. Still, it is not guaranteed for correctness, completeness or otherwise. We do not assume liability for loss arising from errors in the information or that may be suffered from using or relying on the information contained herein, irrespective of whether there has been any negligence by us, our affiliates or any other employees of ours, and whether such losses are direct or consequential. As market and economic conditions are subject to rapid change, any comments, opinions and analyses are rendered as of the date of publishing and may change without notice. Such changes may have a material impact on the outcome of any investment. Securities involve a degree of risk and are volatile instruments. Past performance is not indicative of future performance. Securities or financial instruments mentioned in the Publication note may not be suitable for all investors, and FNB bears no responsibility whatsoever arising from or as a consequence thereof. The material is not intended as a complete analysis of every material fact regarding any share, instrument, sector, region, market, country, investment or strategy. The recipient of this Publication must make their own investment decision and is advised to contact their relationship manager for a personal financial analysis before making any investment decisions. Copyright 2023.
