Investing doesn’t have to be complicated—but mastering it requires discipline, strategy, and timeless wisdom. In this comprehensive presentation, inspired by legends like Warren Buffet and John Templeton, you’ll discover the core principles that separate successful investors from the rest. Key Takeaways: Rule #1: Don’t Lose Money – Buffet’s golden rule isn’t just about avoiding losses; it’s about making smart risks. Learn how to prioritize capital preservation. Asymmetric Risk/Reward – Seize opportunities where rewards dwarf risks, like Econet’s bold moves during COVID-19. Slash Costs, Boost Returns – A 1% fee difference could cost you $500K+ over time. See how three friends’ divergent paths prove why low-cost ETFs and tax-efficient strategies win. Tax Efficiency – Why gross returns mean nothing if taxes eat them alive. Explore tax-deferred environments and ETFs’ advantages. Diversification – The “free lunch” of investing: Spread risk across assets, markets, and time to amplify upside. Never Retire – Stay engaged. As Dr. David Hensrud warns, stagnation harms wealth and health. Packed with real-world examples, data from Morningstar, and actionable insights, this masterclass isn’t just theory—it’s a roadmap to building and protecting wealth. Whether you’re a novice or a seasoned investor, these principles will help you navigate volatility, optimize returns, and avoid costly mistakes. Ready to transform your financial future? Dive into these slides to unlock the strategies that turn simplicity into success. Your journey to investment mastery starts here.

1. Investing is SIMPLE
but it is not EASY
WARREN BUFFET

3. THE MAN AT THE TOP
OF THE MOUNTAIN
DID NOT FALL THERE

4. 1.
How can I avoid losing money?
The maths adds up

5. 1 Don't lose money
2. Never forget rule number
one

7. Hunt for opportunities where the
rewards vastly outweigh the risks.
The Stories of John Templeton &
Econet during COVID

8. Taking advantage of maximum
Taking advantage of maximum
pessimism
pessimism

9. T
The lower the fee that I pay to
he lower the fee that I pay to
the purveyor of the investment
the purveyor of the investment
product the more they will be for
product the more they will be for
me. Burton Malkiel
me. Burton Malkiel

10. Similar Investment Amount : $100,000
Similar Investment Amount : $100,000
Similar Return offered: 10% per year
Similar Return offered: 10% per year
Similar start age: 30 years
Similar start age: 30 years
Different service provider costs: 1%,
Different service provider costs: 1%,
3.17%, 4.17%
3.17%, 4.17%
Whose Richer at 65
Whose Richer at 65

11. According to Morningstar, you have a higher probability of
According to Morningstar, you have a higher probability of
picking a winning investment manager by focusing on the
picking a winning investment manager by focusing on the
fees charged
fees charged
US:96%
SA:85%
Active
Active
Passive
Passive

12. Gross returns mean very little.
Gross returns mean very little.
It's what you get to keep that
It's what you get to keep that
matters. Always focus on
matters. Always focus on
maximising the net return.
maximising the net return.

14. ETFs have low portfolio turnover
ETFs offer high tax efficiency
because of their lack of trading
Where possible you want to invest in a
tax-deferred environment. Tax-deferred
means you don't get taxed at the time of
investing you push it forward to a time in
the future.

15. The only free lunch
The only free lunch.
.
Spreading your money across
Spreading your money across
different investments decreases
different investments decreases
your risk, increases your upside
your risk, increases your upside
returns & doesn't cost you anything
returns & doesn't cost you anything

16. 1.
1. Diversify across different asset classes
Diversify across different asset classes
2.
2. Diversifying within Asset classes
Diversifying within Asset classes
3. Diversify across markets, countries,
3. Diversify across markets, countries,
and currencies around the world
and currencies around the world
4. Diversify across time
4. Diversify across time

17. Lessons from Sprinters
Lessons from Sprinters
You have no Best Before Date
You have no Best Before Date
Death & creativity not compatible
Death & creativity not compatible

18. "During our working years, we are
"During our working years, we are
busy, stimulated and in demand.
busy, stimulated and in demand.
Some people look at retirement as a
Some people look at retirement as a
time to kick back and drift off. In my
time to kick back and drift off. In my
experience, those people don't do
experience, those people don't do
well mentally or physically" Dr David
well mentally or physically" Dr David
Hensrud
Hensrud