Maybe it's just me, but when it comes to climate change, I feel compelled to stick my head into the proverbial hole as the issues appear intractable, depressing and so much beyond my sphere of influence. The repeated reminders, that if we do nothing, the impact on our children and grandchildren will almost surely be catastrophic only add to my anxiety. I was relieved when I came across Bill Gates's new book "How to avoid a climate disaster" eloquently summarised by Nic Andrews, where he sets out in simple words, the most important issues to focus on as well as remedies and solutions. We have included Nic's summary in this issue.
On a different note, for those of you who are feeling a little battered by the local and global events of the past few years, we thought we'd include an article written by Francois Cilliers which is bright and positive – "2022, five reasons to be positive”.
Finally, for those tax conscious investors looking for tax saving opportunities we include a short article reminding one of the benefits of a Retirement Annuity.
We, at Stone Wealth Management, recognize that your total return is not just defined by your investment performance – it includes tax and estate savings achieved by blending the correct investment vehicles.