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Contact information

 
 
0114862500 / 0832695040
 
18th Floor Metalbox, 25 Owl Street, Auckland Park, Johannesburg, 2092
 
http://www.globallocal.co.za

About

Michael Haldane formed Global & Local in 1999, after having achieved a Bcom Honors at the University of Kwazulu Natal and spending 8 years working for a number of financial institutions. Michael is a born investment advisor who places the needs of investors first. He has a deep understanding of investing in all this vast subject\’s variances, especially when it comes to unit trusts, pre-retirement planning, hedge funds, post retirement investment management and offshore investments. Michael is a Certified Scotch Professional (CSP) and is especially skilled in advising offshore investments. Michael has passed the required RE 1, 5 & 3 exams.

Michael is a frequent speaker on Mix FM and LM Radio giving insight into investments and answering listener questions.

Michael is married, has two children and is passionate about Eastern philosophies. He is also a voracious reader, traveller and enjoys playing squash.

Company info

Global & Local formed by Michael Haldane over 20 years ago. Throughout this time Michael has developed a deep understanding of those investors who are considering, entering into or in retirement. This understanding has now expanded to assisting those who wish to invest in markets outside of South Africa. During the last 20 + years Global & Local has developed a highly respected team of 35 people who administer, analyse, review and service Global & Local clients who reside all over South Africa, and across the globe.

Global & Local has an in-house analytical team of 5 highly qualified analysts whose task it is to analyse markets, investment institutions, funds, fund managers and client investments. Global & Local can also offer cash accounts, transactional FOREX services as well as onshore and offshore investments.

Global & Local has remained a completely independent investment advisory company and as such we have 58 contracts with different product providers as well as being able to provide outside experts in the fields of tax; fiduciary and estate planning services.

Global & Local is able to provide advisory and investment portfolio management services to individuals, companies and trusts. Global & Local features regularly on Mix FM and LM Radio where their team of specialists provides insight into investments and answers listener questions.

Michael on Moneyweb

How can I invest in crypto baskets for my kids?

24 May 2022    1
Most exchanges require the investor to be over the age of 18, but a parent or guardian can invest in a crypto basket on behalf of minor children if they submit some extra documentation. ...

At 70, what is the best investment one can make with R500k?

19 May 2022
Should one consider high dividend-yielding ETFs like the Satrix Divi? ...

Can I sue a broker for poor management of funds?

9 Mar 2022    2
You would need to be able to prove they had breached their fiduciary duties. ...

Can I transfer my RA offshore?

14 Jan 2022
No – but you can get offshore exposure. ...

Can I cancel my provident preserver policy and withdraw everything?

10 Jan 2022
Your options depend on whether you are younger or older than 55. ...

Can I withdraw funds from my pension fund to settle my medical bills?

17 Aug 2021    2
We recommend that you stop the transfer process of your pension fund as soon as possible if you are able to, and rather take a cash withdrawal directly from the fund. ...

Can the payout of my life insurance policy be deposited into a foreign account?

21 Jul 2021    5
If your wife still has a local bank account, the proceeds can be transferred to the SA account then sent offshore. ...

With R800K, what monthly income can I expect if I want an income until I pass on?

2 Jun 2021    9
And will the balance fall away when I pass on? ...

Can I transfer my GEPF pension fund into a private living annuity at retirement?

14 Apr 2021    13
If so, are there any tax consequences to consider? ...
BGR 58, GN 18, retirement annuities, Sars

Can South Africans contribute to an offshore annuity?

3 Mar 2021    2
Reader asks what options are available. ...

What should I consider when moving my pension to a preservation fund?

17 Dec 2020    8
It's important to know what the various providers can and cannot offer you. ...

If my LA is invested in foreign portfolios, can my income be paid into a global account?

18 Nov 2020
Foreign exchange control regulations prevent this – but once you receive your income in rands you can transfer it to an offshore bank account. ...

Would it be better to invest R500k or deposit it into my bond?

10 Sep 2020    1
The decision is not as simple as one might think. ...

Should I invest R1m in a balanced unit trust for medical expenses?

5 Aug 2020
If I go through with this, I would then cancel my medical aid. ...

Was it in my best interest to sign a Category II mandate?

11 Jun 2020
A discretionary mandate is used by an investor and a financial services provider to assist in the ongoing positioning of a portfolio as circumstances change. ...

Can I still invest in an RA at 50?

9 Apr 2020
Yes, there is no age limit on retirement annuity contributions. ...

Trusts: do I have funds due to me as a beneficiary?

2 Sep 2019
Sign a letter of authority and send it to all investment providers to ascertain if there are any investments in your name. ...

What platform can I use to buy Nasdaq stocks?

20 Jun 2019    2
Know the risks in trying to manage your own portfolio – even professional traders are getting their calls wrong. ...

‘You’re a priest, doctor and trauma counsellor’

10 May 2019
I only recommend what I've invested in personally – Global & Local founder Michael Haldane. ...
BGR 58, GN 18, retirement annuities, Sars

Are my pension plans wise?

8 Apr 2019
After taking out my pension to pay off my bond, I want to invest the rest in an annuity for life once fully retired. ...

How do I invest my pension when I retire?

18 Mar 2019
Two important questions to consider: will you take the allowable cash portion, and what annuity type is most suitable? ...
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Michael's views

The real cost of the war on the South African pocket

20 May 2022
Oil price increases, interest rates, and petrol price hikes are just some of the effects of the war. ...

Why wait until you die? Living inheritance now!

18 May 2022
When and how to give a living inheritance, and the advantages and disadvantages thereof. ...

Wealthy South Africans are leaving in droves

6 May 2022    1
Data shows approximately 4 500 HNWIs have left South Africa over the past decade. ...

April 2022 economic update

4 May 2022
The IMF to cut the UK’s GDP growth forecast to 3.7% for 2022 down from January’s forecast of 4.7% ...

Why should one diversify their portfolio?

29 Apr 2022
Diversification is one of the most important components of reaching long-range financial goals while minimising risk. ...

Direct real estate vs property unit trusts

22 Apr 2022
A look at the advantages and disadvantages of each strategy. ...

Pack your bags, but don’t forget ceasing your tax residency

14 Apr 2022
Here's how you go about starting the process. ...

Don’t stay where you aren’t happy

7 Apr 2022
You can transfer your retirement annuity to a different product provider by doing a Section 14 transfer. ...

March 2022 economic update

1 Apr 2022
The financial sector was the best performer, advancing 11.58% in March. ...

Change to the tax rate on annuity income

24 Mar 2022
A taxpayer can choose to apply a fixed tax rate across their annuities. ...

Government old age grant: Can you apply?

17 Mar 2022
The grant is only available to people who do not have any existing social grants. Here are the other conditions... ...

Is now the right time to invest into equity markets?

10 Mar 2022
One should focus on one’s long-term investment goals and if you can, and you can see the opportunity, then consider increasing your invested capital. ...

February 2022 economic update

2 Mar 2022
Inflation increased in the US and UK, while in SA it slowed, though the figure remains near the top of the Sarb’s 3-6% target. ...

Budget speech review 2022

23 Feb 2022
Not much will change, apart from the minor changes in sin tax. ...

Get your own back on the taxman

17 Feb 2022
You have until the end of February to maximise your tax savings for this year. ...

Investing in offshore wrappers

10 Feb 2022
There are many benefits to this product. ...

January 2022 economic update

1 Feb 2022
The rand has strengthened year to date, gaining 3.82% against the greenback in January. ...

Reduce your tax liability during this retirement annuity season

27 Jan 2022
Maximise your tax deductions by contributing towards retirement funds. ...

National Treasury’s proposed two-pot system for retirement savings

20 Jan 2022
Members who access retirement savings early reduce the probability of being able to sustain themselves later in life. ...

Preparing for the uncertainties of life

13 Jan 2022
There are several risk control measures to prepare for uncertain eventualities. ...

December 2021 economic report

3 Jan 2022
The FTSE/JSE All Share Index advanced 4.6% in December. ...

What happens if…

17 Dec 2021
The importance of having an in case of emergency document. ...

Think offshore investing

10 Dec 2021
Investing offshore is one of the ways to achieve portfolio diversification. ...

Transferring wealth from one generation to the next

2 Dec 2021
Having conversations around financial planning will help ensure the coming generations are more responsible when it comes to managing the wealth they inherited. ...

November 2021 economic report

1 Dec 2021
The rand lost 4.40% against the greenback and pushed above the 16 mark for the first time in about a year. ...

Taking advantage of your interest exemption and CGT allowance in your investment portfolio

25 Nov 2021
The tax payable depends on the investor’s marginal income tax rate and the type or amount of investment income. ...

Six weeks to go

18 Nov 2021
There is a sense of hope for a better ending than that of 2020 in the air.  ...

Budget speech review 2021

12 Nov 2021
While there have been measures put in place to better our economy, a lot has to be done before we get to a place of satisfactory economic growth. ...

October 2021 economic update

2 Nov 2021
The South African stock market tracked global stocks higher with the FTSE/JSE All Share Index returning 5.97% in October. ...

Benefits of a living annuity

29 Oct 2021    3
A living annuity may be a viable long term investment solution depending on your return objective and lifestyle goals. ...

The forgotten beauty and flexibility of linked investment service provider investments

21 Oct 2021    1
ISPs are an investment that allows you to have access to multiple funds from different fund managers under a single platform. ...

Are your annual life premium increases killing you?

15 Oct 2021
Converting your cover to a level premium makes sound financial sense as it ensures long term affordability. ...

Big brother is watching

11 Oct 2021
A look at some of the global agreements and laws that currently govern your investments, whether you like it or not. ...

September 2021 economic update

1 Oct 2021
The rand recently hit a new low and seems to continue weakening. ...

Thoughts of a parent when investing for the future generation

24 Sep 2021
The fine print about tax and ownership rights. ...

Simple steps to investment portfolio building

17 Sep 2021    1
Some insight into the foundation of an investment or wealth portfolio. ...

Do your offshore assets fall under your SA will?

10 Sep 2021
It may not always be required to have a second will to administer your assets outside of South Africa. ...

August 2021 economic update

1 Sep 2021
Federal Reserve Chairman Jerome Powell stressed that there was no hurry to increase interest rates. ...

Retirement planning or ‘financial independence’?

27 Aug 2021    1
Financial independence as a concept is perhaps easier to consider than formal retirement for the younger folk living in the modern world today. ...

Why you should opt for a Portuguese golden visa

13 Aug 2021    7
The program has investments that make sense with investment limits as low as €350 000 in some cases. ...

July 2021 economic update

4 Aug 2021
European stocks have been a mixed bag, as fears return over more Covid-19 restrictions following a breakout of the Delta variant. ...

How will my family receive the assets from my estate?

30 Jul 2021
It all starts with the will. ...

The impact of divorce on your finances

16 Jul 2021    2
Check your will and any life policy beneficiaries as soon you start divorce proceedings. ...

It’s time to do your tax return!

13 Jul 2021    2
Filing season officially opened on July 1, 2021. Below are a few important things to keep in mind when doing your taxes. ...

June 2021 economic update

1 Jul 2021
On June 11, the FTSE 100 in the UK closed at its highest level since February 2020, but it all came crashing down with the update from the Fed. ...

Exciting headlines

25 Jun 2021    1
Lately, we are seeing many things that make us optimistic for the future – as investors, as South Africans and as humans.  ...

Filled whisky casks as an alternative investment

18 Jun 2021
How this asset compares to investing in whisky bottles and other physical assets.   ...

Is it reasonable to expect what you want from your investments?

11 Jun 2021
We all want a low-risk portfolio that gives us great returns, but we cannot expect that. ...

May 2021 economic update

2 Jun 2021    1
The rand may remain strong for quite some time and even strengthen further from here. ...

Scary headlines

28 May 2021    1
What should investors be doing? Speaking to a financial advisor and letting them worry about those scary headlines! ...

Is borrowing from our retirement savings a good idea?

14 May 2021    5
South Africans are drowning in debt and it is hard to imagine that more debt is the solution to the structural economic issues we face. ...

April 2021 economic update

3 May 2021
The US Federal Reserve kept interest rates unchanged in April, signalling that concerns about the economic recovery in the US persist. ...

The cost of living abroad

29 Apr 2021    6
Prepare for the cost of the smaller things that you may not have analysed as carefully yet but will nonetheless have a big impact on your day-to-day finances. ...

Practical things you can do to help your family after your death

16 Apr 2021
The death of a loved one is hard enough without having to deal with the administration of it all. ...

March 2021 economic update

6 Apr 2021
The JSE All Share Index, S&P 500 and FTSE all ended the month higher. ...

How to spot investment scams

1 Apr 2021    1
Take your time before making an investment decision and research what is being offered. ...

The rise of ESG investing

26 Mar 2021    1
ESG factors are now a mainstay in most valuations and portfolio formations. ...

What else can they tax?

12 Mar 2021    4
A look at weird and wonderful taxes that Finance Minister Tito Mboweni hopefully doesn't implement. ...

Can I run my own trading portfolio?

5 Mar 2021    5
What to consider before moving from your demo trading account to a live account. ...

February economic update

2 Mar 2021
US markets saw another strong month, despite flat or down months for FAANG stocks. ...

Budget Speech 2021 breakdown

25 Feb 2021    2
Treasury estimates that it is on track to return to a budget surplus in 2024/25. ...

What are we teaching our children about money?

19 Feb 2021
If we can start having real conversations about money with our children from a young age, we can take the stress out of financial planning for them before it is too late. ...

Implications of changes to our tax laws

12 Feb 2021    2
There were three very important changes that will affect most individuals in South Africa. ...

Why consider a life income as opposed to a life cover lump sum?

5 Feb 2021
A life income product can effectively be used to ensure successful financial planning. ...

January 2021 economic update

3 Feb 2021    1
The rand depreciated by just under 3,5% to end the month at R15.15 to the US dollar. ...

Are retirement annuities still worth it?

28 Jan 2021    1
The debate is quite hot. ...

Alternative investments for you to consider

14 Jan 2021
If you are looking for something a bit more bespoke, these investment options may be a good fit for you. ...

December 2020 economic update

5 Jan 2021
Bitcoin had an eye-watering 300% increase for the year. ...

Company pension funds – myth or magic

18 Dec 2020    2
You cannot rely on your company retirement benefits to solely support you for an almost equal period as your working career. ...

Investing in a model portfolio

4 Dec 2020
It is important to understand how they work. ...

November 2020 economic update

1 Dec 2020
News of a vaccine during the month translated into November being a bumper month for global stock markets. ...

The most common misconceptions in investing

27 Nov 2020
Examples of mistakes investors often make. ...

Is 2020 the beginning of the end?

19 Nov 2020    2
An article about hope... ...

Emigration: what you need to know

13 Nov 2020
Answers to the most frequently asked questions. ...

October 2020 economic update

4 Nov 2020
Minister of Finance Tito Mboweni confirmed the economy is expected to contract by 7.8% in 2020. ...

Things to consider before investing

3 Nov 2020
Knowing where to start is the hardest part; an advisor will assist with mapping out a financial plan that matches your goals. ...

Important things to know about endowments

23 Oct 2020
Endowments not only offer tax benefits but help investors save with discipline. ...

The procedure to follow when a person dies

16 Oct 2020
Plus the taxes and deductions payable by the estate. ...

Are we in the process of bargaining our economy out of existence?

12 Oct 2020
The future of our economy is literally in your hands when you dig into your wallet to make a purchase. ...

September 2020 economic update

5 Oct 2020
The rand continued to recover in September and is still expected by most economists to recover even further before the end of the year. ...

Using structured products to protect your portfolio

2 Oct 2020    1
These notes generally serve their purpose best in times of no or mediocre equity growth. ...

Living annuity vs life annuity

25 Sep 2020    3
Once you elect to retire from a retirement savings product two-thirds of your funds must be invested into either a living- or life annuity. ...

Client confidentiality above all else

18 Sep 2020
FSPs are required to act honestly and fairly, and with due skill, care, and diligence in the interests of clients. ...

Where to from here?

10 Sep 2020
If you have set financial goals, stick to them through the volatility. ...

Financial advisor vs broker: the key differences

7 Sep 2020    7
The main role of the advisor is to help a client clearly understand their financial goals. ...

August 2020 economic update

1 Sep 2020
Apple hit a market cap of $2 trillion for the first time this month. ...

How do service providers justify their fees?

27 Aug 2020
The investment management fee is generally a standard fee that does not change often or change depending on the performance. ...

Investors are spoilt for choice

21 Aug 2020
How to choose the investment strategy that's right for you. ...

Government looks to amend tax laws to keep hold of retirement funds

13 Aug 2020    5
New legislation seeks to prevent South Africans who no longer pay tax in SA from withdrawing retirement funds until they can prove non-tax residency. ...

Is it the right time to invest in property?

30 Jul 2020    1
What you should be considering before making the investment decision. ...

Delay in government getting its hands on the pension fund pot

23 Jul 2020    1
The ANC has confirmed that it is relooking at changing the rules of Regulation 28. ...

The benefits of using model unit trust portfolios

16 Jul 2020    2
Diversification can be expanded to not only include different asset classes, but also different fund managers. ...

Making asset allocation decisions in turbulent times

13 Jul 2020
Focusing on assets and sectors that have not yet fully priced in the upcoming global economic recovery could be beneficial. ...

How the 2020 tax season will work

9 Jul 2020
The tax filing season will only be opening as from September 1. ...

Banking in death: Corporate cash manager accounts

3 Jul 2020
CCM accounts are regulated in the same manner as normal everyday transactional bank accounts, with a few exceptions. ...

Watch: June 2020 economic update

1 Jul 2020
Gold has rallied 17% so far this year. ...

Think technology for your portfolio

26 Jun 2020
Evidence suggests investing in technological and biotechnological funds during market turmoil could gain an investor a better return relative to other traditional celebrated funds. ...

Covid-19 emergency budget speech summary

24 Jun 2020
Projected consolidated budget spending, including debt, will exceed R2 trillion for the first time ever. ...

How to avoid becoming a victim of a phishing scam

19 Jun 2020
As fraudsters evolve, we need to become more aware of what information we put out there. ...

Important things to consider before withdrawing retirement savings

15 Jun 2020
Cashing in your retirement savings can trigger a high tax implication. ...

WATCH: May 2020 economic update

2 Jun 2020
The S&P 500, FTSE 100, and Hang Seng fell in May, while the Alsi increased by 2.11%. ...

A look into alternative investments

17 May 2020
Scotch Whisky has historically delivered average returns of 12% per annum over the last decade. ...

The importance of risk cover

7 May 2020
Risk cover ensures you and your family will have an income should anything happen to you. ...

Watch: Your investments now and post Covid-19

4 May 2020
Pressing questions around investments answered. ...

Watch: April 2020 economic update

4 May 2020
The US oil price was trading below zero for the first time in history. This was driven by a flood of unwanted oil. ...

Claiming from the UIF during and after the lockdown

4 May 2020
The government have created lay-off options. ...

Lockdown update: the good, bad and amusing

24 Apr 2020
Let us keep up the hope and be positive. ...

Structuring portfolios in times of chaos

22 Apr 2020
And long-term annuity income planning. ...

Practical advice if you lose your job

17 Apr 2020
You need to think logically, calmly, and rationally about what steps to take. ...

The importance of updating your will regularly

15 Apr 2020
We all owe it to not only to ourselves but to our loved ones to ensure that we have a valid will in place. ...

Current panic during the Covid-19 pandemic

6 Apr 2020
It's best to wait it out the volatility until a picture emerges and some stability returns to the markets. ...

WATCH: March 2020 Economic Update

2 Apr 2020
The rand dropped to a record low. ...

Are you ready for those unforeseen circumstances?

31 Mar 2020
Here's how to prepare. ...

Sanctions list searches – the dreaded false positive

13 Mar 2020
Having a financial advisor can work in your favour. ...

Nine questions on offshore investing answered

6 Mar 2020
What you need to know about investing internationally. ...

WATCH: February Economic Update

3 Mar 2020
Good news from Tito's budget; coronavirus continues to impact markets. ...

Budget Speech 2020 Review

26 Feb 2020
It's not all bad news. ...

The Global Wealth Report summarised

17 Feb 2020
South Africa contributes US$0.77 trillion or 0.21% to the total global wealth. ...

WATCH: January Economic Update

7 Feb 2020
The year got off to a shaky start. ...

A decade encapsulated

22 Jan 2020
As a new decade dawns, we look at a few major international, regional and local headlines that gripped the last decade. These were headlines that shocked us, made us laugh, dance, cry, emotional, enri ...

December 2019 Economic Update

6 Jan 2020
The rand had an estimated 4.5% rally in December. ...

WATCH: November 2019 Economic Update

5 Dec 2019
Moody's downgraded SA's outlook, putting the country a notch away from junk status. ...

The benefits of investing offshore and what to consider

27 Nov 2019
International investing may offer a hedge for investors who fear the depreciation of the rand. ...

WATCH: October 2019 Economic Update

5 Nov 2019
Equity markets gained 3.1% in October which was led by a rally in the Resources sector. ...

MTBPS: Has government been able to carry out what was set out?

31 Oct 2019
Finance Minister Tito Mboweni delivered his much-awaited medium-term budget policy statement on October 30 2019. It’s South Africa’s most influential one as a review from credit ratings agency’s ...

The essence of saving and the different ways to save

24 Oct 2019
Every rand earned is worth saving today for the rainy days ahead. ...

The age of anxiety

15 Oct 2019
Ongoing political and economic developments are causing concern among investors. ...

September Market Economic Update

2 Oct 2019
News from local and global markets. ...

August market economic update

5 Sep 2019
The public has until 15 September to comment on the finance minister's economic transformation paper. ...

What is the real tax rate in SA?

26 Aug 2019
Income tax is just the start; hidden taxes must also be considered in budgets. ...

What makes investing so difficult?

8 Aug 2019
The risk in cryptocurrencies is very high and in no way an easy way to make a quick profit. ...

July market economic updates

3 Aug 2019
A round-up of market, economy and currency news. ...

Why it’s a good idea to start saving up towards your retirement now

5 Jul 2019
It's said you would need at least 70% to 75% of what you earned at the peak of your career to maintain your lifestyle at retirement. ...

June 2019 economic update

3 Jul 2019
A round-up of economic and political news from last month. ...

May 2019 economic highlights

3 Jun 2019
A round-up of local and international political and business news. ...

Important decisions before entering an investment

30 May 2019
A look at local vs offshore; active vs passive; best- or worst-performing funds; and equities, bonds, cash or property. ...

Q&As: Financial implications when emigrating

16 May 2019
Answers to a few questions you may have pertaining to financial implications when emigrating from South Africa. ...

Forex – the dreaded exchange rate

25 Apr 2019
How the exchange rate works in forex trade. ...

March 2019 economic and market update

1 Apr 2019
News from home and abroad. ...

Low-volatility equity investing

22 Mar 2019
A low volatility equity portfolio fits well into an overall retirement fund and may result in both lower total risk and higher expected returns. ...

The multi-factor fund approach

4 Mar 2019
Multi-factor strategies build upon the concept of diversification: that combining exposures to factors can help soften the effect of drawdowns and increase the potential for outperformance. ...

February 2019 economic and market update

4 Mar 2019
The outcome of the national budget and international news on the market. ...

Changing rands to other currencies: What you need to know

20 Feb 2019
Transferring money out of South Africa is a little more complex than individuals may think. ...

January 2019 economic and market update

12 Feb 2019
The best-performing shares in January were financial services. ...

What is smart indexing investing and how does it help your investment portfolio?

11 Feb 2019
Smart beta funds seek to achieve better risk-adjusted returns than traditional index funds. ...
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