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Contact information

Contact Number: 0114862500 / 0832695040
Address: 175 Barry Hertzog Avenue, Emmarentia, Johannesburg 2195


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 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.


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

10 September 2020    228
The decision is not as simple as one might think. ...

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

5 August 2020    33
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 June 2020    16
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 April 2020    155
Yes, there is no age limit on retirement annuity contributions. ...

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

2 September 2019    39
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 June 2019    45
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    27
I only recommend what I've invested in personally – Global & Local founder Michael Haldane. ...

Are my pension plans wise?

8 April 2019    138
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 March 2019    275
Two important questions to consider: will you take the allowable cash portion, and what annuity type is most suitable? ...

Michael's VIEWS  

Client confidentiality above all else

18 September 2020    2
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 September 2020    6
If you have set financial goals, stick to them through the volatility. ...

Financial advisor vs broker: the key differences

7 September 2020    7    99
The main role of the advisor is to help a client clearly understand their financial goals. ...

August 2020 economic update

1 September 2020    8
Apple hit a market cap of $2 trillion for the first time this month. ...

How do service providers justify their fees?

27 August 2020    15
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 August 2020    18
How to choose the investment strategy that's right for you. ...

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

13 August 2020    5    327
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 July 2020    253
What you should be considering before making the investment decision. ...

Delay in government getting its hands on the pension fund pot

23 July 2020    1    256
The ANC has confirmed that it is relooking at changing the rules of Regulation 28. ...

The benefits of using model unit trust portfolios

16 July 2020    2    15
Diversification can be expanded to not only include different asset classes, but also different fund managers. ...

Making asset allocation decisions in turbulent times

13 July 2020    7
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 July 2020    69
The tax filing season will only be opening as from September 1. ...

Banking in death: Corporate cash manager accounts

3 July 2020    9
CCM accounts are regulated in the same manner as normal everyday transactional bank accounts, with a few exceptions. ...

Watch: June 2020 economic update

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

Think technology for your portfolio

26 June 2020    19
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 June 2020    17
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 June 2020    7
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 June 2020    54
Cashing in your retirement savings can trigger a high tax implication. ...

WATCH: May 2020 economic update

2 June 2020    2
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    17
Scotch Whisky has historically delivered average returns of 12% per annum over the last decade. ...

The importance of risk cover

7 May 2020    44
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    17
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    670
The government have created lay-off options. ...

Lockdown update: the good, bad and amusing

24 April 2020    9
Let us keep up the hope and be positive. ...

Structuring portfolios in times of chaos

22 April 2020    13
And long-term annuity income planning. ...

Practical advice if you lose your job

17 April 2020    44
You need to think logically, calmly, and rationally about what steps to take. ...

The importance of updating your will regularly

15 April 2020    52
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 April 2020    5
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 April 2020    2
The rand dropped to a record low. ...

Are you ready for those unforeseen circumstances?

31 March 2020    29
Here's how to prepare. ...

Sanctions list searches – the dreaded false positive

13 March 2020    6
Having a financial advisor can work in your favour. ...

Nine questions on offshore investing answered

6 March 2020    52
What you need to know about investing internationally. ...

WATCH: February Economic Update

3 March 2020    1
Good news from Tito's budget; coronavirus continues to impact markets. ...

Budget Speech 2020 Review

26 February 2020    33
It's not all bad news. ...

The Global Wealth Report summarised

17 February 2020    34
South Africa contributes US$0.77 trillion or 0.21% to the total global wealth. ...

WATCH: January Economic Update

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

A decade encapsulated

22 January 2020    61
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 January 2020    1
The rand had an estimated 4.5% rally in December. ...

WATCH: November 2019 Economic Update

5 December 2019    4
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 November 2019    76
International investing may offer a hedge for investors who fear the depreciation of the rand. ...

WATCH: October 2019 Economic Update

5 November 2019    2
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 October 2019    1
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 October 2019    80
Every rand earned is worth saving today for the rainy days ahead. ...

The age of anxiety

15 October 2019    2
Ongoing political and economic developments are causing concern among investors. ...

September Market Economic Update

2 October 2019    1
News from local and global markets. ...

August market economic update

5 September 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 August 2019    76
Income tax is just the start; hidden taxes must also be considered in budgets. ...

What makes investing so difficult?

8 August 2019    16
The risk in cryptocurrencies is very high and in no way an easy way to make a quick profit. ...

July market economic updates

3 August 2019    1
A round-up of market, economy and currency news. ...

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

5 July 2019    55
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 July 2019    3
A round-up of economic and political news from last month. ...

May 2019 economic highlights

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

Important decisions before entering an investment

30 May 2019    31
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    56
Answers to a few questions you may have pertaining to financial implications when emigrating from South Africa. ...

Forex – the dreaded exchange rate

25 April 2019    21
How the exchange rate works in forex trade. ...

March 2019 economic and market update

1 April 2019    14
News from home and abroad. ...

Low-volatility equity investing

22 March 2019    26
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 March 2019    17
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 March 2019    1
The outcome of the national budget and international news on the market. ...

Changing rands to other currencies: What you need to know

20 February 2019    35
Transferring money out of South Africa is a little more complex than individuals may think. ...

January 2019 economic and market update

12 February 2019    2
The best-performing shares in January were financial services. ...

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

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

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