The Swan Effect - Creating and Sustaining Your Financial Wellbeing

In Season 3 Episode 4 Arthi & Malika introduce the concept of Ubuntu in investments. Ubuntu, by way of a simplified meaning, underscores the idea that I am what I am because of who we all are. You may be curious as to how do investments & Ubuntu align, and it does through what is typically known as crowdfunding. Arthi and Malika share more about what this means and identify the various types of crowdfunding options. Arthi introduces the group saving concept known as a “stokvel”, outlining the advantages of collective saving and investing, while Malika shares the example of how a family investment dedicated to the educational needs of the family members, creates an ongoing legacy of education & generational wealth. There are always risks and challenges with investments, so the hosts share useful do’s and don'ts when it comes to crowdfunding, whether you are searching for funding or the investor looking to fund an opportunity. Listen in as Malika and Arthi share more about: and so much more! Remember: “keep in mind the main goal of our moneyverse” which is to spread investment opportunities to create wealth and financial freedom. We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

Easter break is behind us and so April Fool's Day. While you may have been pranked or been creating the pranks yourself this 3rd episode of the Swan Effect podcast Season 3 is not one of those pranks. Arthi and Malika are joined by guest Jermaine Fourie, to help you decrypt cryptocurrencies, as they continue to unbox interesting investment strategies for you to consider for your financial portfolio and ultimately set your moneyverse up for sustainability and success. Jermaine is one of the few people worldwide professionally trained in understanding cryptocurrencies and blockchain technologies. Join us as we ask him to share his insights about: and so much more! Remember: "be a bit more curious about what cryptocurrencies can offer to [your] moneyverse and wealth goals." We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth. About Jermaine Fourie: Jermaine is a seasoned professional with over 20 years in the financial services sector, currently the head of business development at Classique Consultants. With a passion for finance and Blockchain, he's a certified Bitcoin professional and pursuing an MBA with a focus on Blockchain technology, advancing innovation at the intersection of finance and tech. Connect with him on: linkedin.com/in/jermaine-136273156

In Season 3 episode 2 Arthi & Malika continue with the advent calendar of investments discussing real estate as an investment. They explore some of the most common ways to make money through property investment, the first being buying a physical property. Arthi lists a few of the ways in which you can influence your decision when purchasing a property. Malika shares a highly useful fact based on renting out space on your property, which can offer a sense of safety & community, but further assists in paying off your mortgage or home-loan at a faster rate. The positive impact of this is that it reduces significantly how much of interest you pay over term or length of the home-loan, you pay your mortgage off quicker which means you save money. Another option could be investing in a holiday home to rent out for additional income. A family vacation spot plus income when you are not on the property. Arthi introduces another property type which is commercial property which can be upcycled in terms of purpose, such as storage, recreational centres, co-working spaces to name a few. Malika details the strategy of flipping houses and introduces us to REITs. Thus, there is a wealth of ideas to help one prop(erty) one's up for long term wealth creation. Listen in to the episode to hear: and so much more Remember: “property value does increase over time”. We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

Welcome to 2024 and Season 3 everyone! Co-hosts Arthi Rabikrisson and Malika Petersen are excited to be back to continue the journey of exploring the path to financial freedom together! This season they will dig a little bit deeper into the investment side of things and thereby expand the moneyverse opportunity set, almost like an advent calendar, where each month a new opportunity will be discussed. In this first episode, Arthi and Malika start off the investment theme by discussing education and how this is a form of investment in ourselves and for our children. Arthi discusses more on adult education which includes formal & informal pathways, and the potential rewards that can emerge from that. A key highlight is when accounting for costs of doing further studies, Arthi reminds us that beyond the explicit financial cost there are opportunity costs of not making this investment. Malika explores investment in children's education and provides some tips and tricks to help us budget for these expenses. Arthi highlights that what could be a success factor often not considered, is that children can, should and need to be involved, invested & informed about the costs required to achieve the desired education and goals. Malika and Arthi discuss more on the episode about: and so much more! Remember: “when your hand is open to give, it is open to receive” We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

Can you believe this is the final episode of the year 2023? In episode 16 of season 2 Arthi & Malika discuss the importance of setting aside time to set ourselves up for a successful 2024. The first step with any goal is to define your goal correctly and accurately. Once you have a clear goal, in order to not overwhelm yourself Arthi suggests breaking down that goal into smaller chunks and reminds us of the SMART method. Ensuring that you follow the SMART principles when setting a goal will mean you are able to be clear, track, budget, be realistic and implement your steps all of which will help this goal to be a success. Malika reiterates the importance of PTP (plan-track-plan) and that you should be updating your budget monthly in order to make the best decisions and ensure your 2024 is filled with wealth. Ensuring financial success is not only about planning but a big aspect is having various means of income. Both Arthi & Malika dive deeper into some of the aspects of setting up a side hustle,some interesting stories and Malika gives all the listeners a challenge for 2024. Ending off this insightful discussion Malika shares a quote “a dream written down with a date becomes a goal, a goal, broken down into steps becomes a plan and a plan backed by action makes your dreams come true” Listen to the full episode to hear Malika and Arthi discuss: And so much more! Remember: “we feel the pinch, after the fact” We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

It's Episode 15 of Season 2 and with the end of the year fast approaching, Arthi and Malika prompt you to remember all the advice shared ahead of the festive or 'silly' season. In a fun twist, analogies from the cartoon comic Asterix and Obelix form the underlying basis of this episode (can you believe there was a Roman legionary called Christmasbonus!). If you are lucky enough to receive a Christmas bonus or thirteenth cheque in November, it may be very tempting to immediately splurge this extra income on non-essentials. However, this might leave you feeling in the doldrums come 2024. The good news is that if you have been listening and implementing all the useful hacks provided since February, that bonus can be used smartly and effectively allowing your 2024 to begin with ease. Malika and Arthi recap tips and tricks to enable you to be in a much better financial position. These include thinking ahead, using loyalty points, dining at home, sticking to your budget, shopping online, and recycling decorations. Arthi reminds us about how to prioritise investments at this time of year and how to spend wisely. Highlights from this episode's discussion: And so much more! Remember: “that small changes in behaviour and that the decisions we take with our money can really make a huge difference to our wealth”. Stay on track to avenge you Christmas bonus from previous years, to secure you financial village into the future! We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

With only three months left of the year, Arthi & Malika use episode 14 in Season 2 of the Swan Effect podcast, to discuss how your moneyverse makes you feel and how a positive mindset is really key to achieving wealth. Arthi associates the brains’ prefrontal cortex as being your internal financial advisor further explaining how integral the brain is when it comes to creating & managing your wealth. Arthi explains that we can rewire our brains to ensure that we are making the best decisions for our moneyverse and shares two techniques to help you begin. Malika reminds us how education is another key investment and allows us to create the kind of wealth mindset ensuring we are open to opportunities. Arthi shares an experience she recently had with a Finnish ambassador and how the mindset in Finland around entrepreneurship has resulted in businesses viewing taxes as an investment that directly results in better knowledge and workforce. This inspired Arthi to create the habit loop for us all to try. Listen in to hear Malika and Arthi highlight: And so much more! Remember: “mindset is way more important than any amount of money that you can have” We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

In episode 13 Arthi and Malika change things up a little, by discussing how you can spend your way to wealth. Yes, you read that right. This episode is about what you do with your money that can truly pave the way to financial abundance. In essence its about shifting the mindset from focusing on income to focusing on how you spend instead, with some practical examples. Arthi reminds us to make conscious choices such as investing in experiences and assets rather than spending recklessly on these temporary pleasures. Malika encourages us to spend by investing in yourself which can lead to a return, whether that be in education or personal self growth or simply your health. Malika shares an encouraging story which in essence reminds us that it is never too late to save, investment and have the opportunity to create wealth Malika and Arthi discuss: And so much more! Remember: “wealth creation is a journey and how you spend your money can determine how far you go” We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

We're celebrating Woman's month in August in South Africa and so this episode 12 in Season 2 of The Swan Effect Podcast is dedicated to female power (FemPower)! Arthi and Malika discuss the power of women have and the importance of women becoming financially literate and confident. This is key for a number of driving factors: women earn less than men, women more often than not take time out of the workforce to care for the family, and women are more likely to live longer. Arthi provides some shocking statistics about women and finances such as the large pay gap between men and women, and that this gap isn't closing significantly anytime soon. Arthi and Malika go through the various milestones that a women goes through in life and discuss the finance steps in order to plan and be organised for each of these stages. Listen in to hear Malika and Arthi discuss: And so much more! Remember: “a woman who is convinced that she deserves to accept only the best challenges herself to give the best, then she is living phenomenally.” We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

In Season 2 episode 11, Arthi & Malika take your moneyverse to the next level by discussing how to create your infinity legacy. This really is about taking those steps to ensure that the wealth that we create is able to stand the test of time and allow future generations to build on it. Using the example of a 23 year old who's entering the job market and doesn't have any financial history or baggage just yet, gives us insights into the decisions that can be made at that stage, that creates a financial and educational legacy. Malika reminds us of the strategy of paying yourself first and outlines how to split that payment into savings & investments. Arthi explains the next step in creating a lasting legacy and moneyverse is having multiple sources of income and generously provides an abundance of ideas & income revenues. Malika & Arthi discuss how career paths are not as rigid as they once were and the importance of growing & developing yourself and being flexible while you navigate in your path. Both ladies share their own stories and the changes of their paths. Lastly Arthi reintroduces the term debt solutions and how these are not all created equal. The hosts discuss securing fixed assets in order to use the leverage to generate wealth over time. Listen in to hear Malika and Arthi: And so much more! Remember: “we not defined by the career that we have or what we earn, but rather than the decision that we take when spending” We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

It's episode 10 of Season 2 and we are already in June, feeling that the end of the year is fast approaching. Arthi and Malika thought it was the perfect time to discuss what is in your best INTEREST,especially since in South Africa, we are experiencing an increase in interest rates which is impacting our budgets and quality of life.In this episode, they help us understand the drivers of interest rates, and how they impact us. Arthi introduces four factors that affect the interest rate, firstly inflation. Companies increase the price of the goods and services when there's more demand, because this can lead to less supply, and those differences result in inflation. The next two factors are the stock markets and international events and the decrease in available funds directly results in changes in the interest rates. The final driver which affects interest rates is fiscal borrowing and in South Africa we have a large fiscal deficit. The deficit is the difference between governments income versus their expenses and when the government spends more money than what is coming in this means that in order to have the funds to pay back the markets, the rates are increased. Arthi and Malika offer insights and tips into how you can respond and work with the change in interest rates and to look for opportunities within the chaos. Arthi also explains how it is not all negative and that there is a plus side to higher rates. Listen in to hear Malika and Arthi discuss: And so much more! Remember: “never pay for an item longer than, which that item may last” We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

On episode 9 of Season 2 of the Swan Effect podcast, Arthi and Malika continue the journey into understanding and simplifying financial investments, by introducing and explaining the fundamental building blocks available to grow one's moneyverse: assets. In coining the terms 'assetify', which is meant to describe making one's portfolio asset-rich through diversification, Malika and Arthi talk about traditional asset types and non-traditional ones too, some that can produce income creating side hustles. Arthi further explains how these can be used effectively to diversify a portfolio while seeking guidance and advice from an ecosystem of support including financial planners, advisers and coaches. Listen in to hear Arthi and Malika share about: - traditional asset classes - equity, property, bonds, cash - what is a balanced fund - Active fund management versus passive fund management - examples of diversification in a portfolio - things to consider such as fees and taxes when building your asset porfolio - non traditional assets - cryptocurrency, NFTs, capital assets that produce income. And so much more! Hear practical tips on how having an asset rich portfolio and making your assets work together in harmony, can bring you closer to your financial goals. Remember, "you are your greatest asset!". We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

Our moneyverse is shaping up really nicely so in episode 8 of Season 2, Arthi and Malika provide details of the technical aspects of investments to ensure that your moneyverse grows to counteract the negative impact of taxes. To get you into the correct mindset, Arthi imparts some practical ways to take your mind off the stressful elements around your finances that will help lift your mood and position you away from the comfort and fear zones, towards the learning and growth mindset and zones. Malika channels thinking towards selecting the correct investment vehicle for one's investments and assets, with Arthi and Malika providing high level understanding of the popular choices, being a retirement annuity, a unit trust, tax free investments and linked wrapped vehicles. In the episode Arthi and Malika further discuss: It is important to still obtain professional advice from a financial advisor when it comes to financial growth and development. Remember: “the outcome of this game around your money it's still in your hands” We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

In Episode seven of Season 2 of the Swan Effect podcast, Arthi and Malika talk taxes (yes, that word we love to hate). As part of understanding your moneyverse, which is the theme for the podcast for 2023, one has to become familiar with leakages that disrupt growth of the moneyverse, and still find ways to find opportunities therein. Is that even possible? Listen to the episode to find how how it is certainly possible! Malika offers us insight on the 4 main direct tax types most of us deal with regularly, while Arthi further mentions some of the indirect taxes we also face (did you realise there were these taxes you face as an investor, and consumer?) The discussion goes deeper, as Malika and Arthi talk more about: And so much more! Hear some practical tips on how to ensure you can work some of these taxes to still benefit you, and be in a better position for the upcoming tax year. Remember: “the power is within your control!” We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

The New Year heralds in episode 6 of Season 2 of the Swan Effect Podcast with Arthi and Malika, where they introduce the idea of '2020-FREE and 2020-ME'. Simply explained it is about taking back control of our lives, particularly from a financial aspect, and making financial decisions that are truly aligned with our core values. Sounds daunting? Possibly exciting? Co-hosts Arthi and Malika hope its both! In this latest episode Malika and Arthi discuss: And so much more! Remember: “if the plan isn't working, adjust the plan not the goal.” Take a listen to the episode to hear more of these nuggets of simple, practical advice. We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

In our 2022 wrap up episode 5 of Season 2, Arthi and Malika helps you look at a truly wonderful gift that really does keep on giving: your investments. The festive season is upon us and it is very easy to become swept up with wanting to spoil loved ones (and yourself) with treats, especially with all the specials around, pots Black Friday and Cyber Monday too. That 13th cheque or bonus that you may receive this month could be used to feed that desire, or can be used to set you up for even greater spoils down the line. To help you think about it from this perspective Malika and Arthi nudge you to think about the following questions, as part of your reflection for the year that has been and what you are hoping to gain in 2023: As part of these reflections, Arthi and Malika offer: It can be a difficult journey figuring out how and where to go about investing. Seeking out support is crucial. But if you hit a setback in your money management and investing journey, follow what Arthi says: "if you fail once, you don’t throw in the towel, rather fetch a new towel and hang it up differently!" We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. Have a fruitful festive season and New Year listeners and subscribers! This episode is proudly sponsored by Old Mutual Wealth.

In Episode 4 of Season 2, Arthi and Malika dive in a deeper into the third financial superpower that was mentioned in Episode 1, being PTP: Plan Track & Plan some more! In the month of November, it's all about coping: coping with work demands in the wrap up to the year 2022, and coping with the financial demands on our money pot, from festive gifting specials, and holiday plans, to preparing for next year's schooling needs. What is needed, is some savvy planning and tracking in order to ride this wave into 2023 in a comfortable position. Malika and Arthi discuss: Become motivated to tackle this upcoming month with enthusiasm and awareness, towards healthier money management habits and outcomes. We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

In Episode 3 of Season 2, Arthi and Malika dive in a deeper into the first financial superpower that was mention in Episode 1, being Know Your Money Pot. As we come to the end of the year and the festive season round the corner, it is very easy to think about the spending that needs to happen and then think about how to pay for it. We're challenging you to reverse that order, to know how much income and other inward resources you have and then deliberate on where and how to spend it, not just for upcoming expenses but also for savings. Malika and Arthi discuss: And so many more tips and ideas that will not only motivate you but commit you towards progress with your money management goals. We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. This episode is proudly sponsored by Old Mutual Wealth.

In Episode 1 of Season 2 of the Swan Effect podcast, Arthi and Malika helped to identify those financial superpowers we all have that we can use to unleash our money management potential. This month, the hosts are enabling you to commit to your financial goals and build your willpower to keep going. Joining as a guest is Sandra Segers, Head of Strategic Management Relationship at Old Mutual Wealth. Sandra shares how her first memory of money shaped her own relationship with her finances and management thereof. More important there arose key learning from that which she uses today such as managing her debt carefully, and being frugal on where and how her money is spent. Listen in to the discussion where we together further unpack: · How to alter the effects of our memories with money to be more productive · Practical ways to start our journey towards better money · How to prioritise where to start the journey · Why goal setting and key to the success of achieving your goal and how to go about it · Being cognisant of blind spots and roadblocks that may hinder our progress · Learning how to open to opportunities even in what may seem to be a chaotic context · Your mindset and owning your choices And so many more tips and ideas that will not only motivate you but commit you towards progress with your money management goals. We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. About Sandra Segers: Sandra entered the financial industry over 20 years ago after spending some time in education and retail. Her positions in the industry range from training consultant and manager, to business development and strategic relationship manager for a team of Financial Planning Coaches. Their goal is to train, mentor and coach financial planners to have engagements with their clients which is centred around who they are, what is important to them followed by a best advice framework for financial decision making. Sandra’s vision is for all South Africans to live purposeful lives enabled by sound financial decisions. This Episode is proudly sponsored by Old Mutual Wealth.

We Are Back on Air! After a hiatus of 8 months, The Swan Effect Podcast is launching Season 2 with host Arthi Rabikrisson and co-host Malika Petersen! As August is Woman's month in South Africa, this episode spotlights that we women have the ability to unleash our financial superpowers, given inherent strengths and capabilities. Many of these are actually shaped by our narratives or stories of how money was managed around us. Arthi shares her narrative around her mum being key to controlling the disbursement of money in the household even though her dad was the sole income earner. This has shaped how hands on Arthi is with her money management. Malika shared an opposite narrative of a friend who's father controlled every financial decision in the household, resulting in her friend not wanting to take control of her own finances today. And yet, within both those narratives, lie very key traits that actually can be those financial superpowers that lead us on the path to financial wellbeing. Listen in to the discussion where we share: We also offer some practical advice and ideas on how to move ahead with using these superpowers, through budgeting, will and commitment to the plan, and of course, over time, resulting in this augmenting the narrative we each have with our personal finances and investments. We would love to hear your views based on the concepts covered in this episode. Do rate, write a review, and share with others. #TheSwanEffect #FinancialCoaching #Debt #FinancialWellbeing #WomenInFinance #Saving#Investing #Financialwellness