RG News Eid-ul-Fitr 1445

EID-UL-FITR 1445

TABLE OF CONTENTS

1

INTRODUCTION

Ed’s Entre - A greeting from our Editor

2

ALL ABOUT INVESTMENTS

The importance of investing at any age

3-4

40 YEARS OF ROSHGOLD

Roshgold Investing in Unity

Who is Roshgold?

Revisiting our mission

5-8

ROSHGOLD’S 40TH AGM

2024 Upcoming AGM

4 decades of AGM’s, a pictorial journey

Kidz Club AGM Activity

9-12

INVEST YOUR MONEY WISELY

Easy money lessons to teach kids

Roshgold’s Investment Portfolio

A tribute to Roshgold.

13

COMMUNITY BUILDING

Roshgold Kidz Club Joins Hands with Roshnee Feeding Scheme.

14-18

EID WITH ROSHGOLD

Eid Mubarak from us to you!

Kidz Club Eid decorative activities.

Invest your children’s Eidie with Roshgold

19

EID FOOD SERIES

Must try recipes this Eid!

Ed’s Entre

Greetings!

Roshgold will soon be celebrating its 40th anniversary, a truly remarkable milestone. It is not every day that a savings club stands the test of time and has served its stakeholders, like you, so well.

Fourty years of growth, sound investing, accountability, regular returns, and most importantly, the building of a common valuesbased community that continues to make a difference to everyone involved

In this issue, we discuss why investing is important to everyone Roshgold is proof of a vehicle that offers flexibility and ease of investing

Without a formal sales network, Roshgold steadily established itself and delivered financial and self-development benefits This issue gives a valuable history of how this rich legacy developed. The pictorial essay confirms and showcases this appropriately It certainly rekindles fond memories!

Parents, please do not miss the Roshgold Kiddies Club section There are many opportunities to get our kiddos active and involved

We pray that the month of Ramadaan was beneficial and a period of rejuvenation for you We will soon be celebrating Eid-ul-Fitr, and the issue discusses this for our readers We pray for a joyous Eid, and may the Almighty accept your duas, prayers and fasts.

We encourage you to share any experience or interaction you had with Roshgold that can be shared with our readers, please email harpo@offinett co za We will share our readers thoughts and feedback in the future

INVESTING

WHY SHOULD I CONSIDER INVESTING?

BY ALAN FARLEY AVAILABLE ON INVESTOPEDIA

THE IMPORTANCE OF INVESTING AT ANY AGE

Investing is an effective way to have your money work for you and build wealth Holding cash and bank savings accounts are considered safe strategies, but investing your money allows it to grow in value over time with the benefit of compounding and long-term growth

Whether you invest in stocks, bonds, mutual funds, options, futures, precious metals, real estate, or small businesses, investing is important to generate future income, increase value and equity, and build wealth

WHY INVESTING IS IMPORTANT AT ANY AGE

An individual's goals depend on a host of factors that may include age, income, and risk profiles Age can be further subdivided into the following three categories:

Young and starting in a career Middle-aged and family-building Retirement age and self-directed

These segments often miss their marks at the appropriate age, with middle-aged folks considering investments for the first time or the elderly forced to budget, employing the discipline they lacked as young adults

Income provides the natural starting point for investment planning because you can’t invest what you don’t have. A young adult's first job issues a wake-up call, forcing decisions about IRA contributions, savings, or money market accounts, and the sacrifices needed to balance growing affluence with the desire for gratification Don't worry too much about setbacks during this period, like getting overwhelmed by student loans and car payments, or forgetting that your parents no longer pay the monthly credit card bill

Outlook defines the playing field on which we operate during our lifetimes and the choices that impact wealth management. Family planning sits at the top of this list for many individuals, with couples figuring out how many kids they want, where they want to live, and how much money is needed to accomplish those goals Career expectations often complicate these calculations, with the highly-educated enjoying increased earning power while those stuck in low-level jobs are forced to cut back to make ends meet

It’s never too late to become an investor You may be well into middle age before realizing that life is moving quickly, requiring a plan to deal with old age and retirement Fear can take control if waiting too long to set investment goals, but that should go away once you set the plan into motion. Remember that all investments start with the first dollar, whatever your age, income, or outlook That said, those investing for decades have the advantage, with growing wealth allowing them to enjoy the lifestyle that others cannot afford

BUILDING A UNIQUE COMMUNITY

Since our establishment in 1984, Roshgold has been at the forefront of financial excellence. Join us on a journey through time, as we highlight key milestones, share success stories, and showcase the extraordinary moments that define our legacy. From our humble beginnings to becoming a trusted name, we are proud to celebrate 40 years of guiding our clients towards financial prosperity.

SHAREHOLDER TESTIMONIALS

BUILDING A UNIQUE COMMUNITY 40

The name Roshgold originates from the town where the group was incepted being Roshnee in Vereeniging and “Gold” is due the fact the very first investments made were in gold shares

Drawing its essence from the stockvel model Community members would pool together fixed amounts of capital, which were then strategically invested When a member required financial assistance, such as a loan, they would then approach the Board, adhering to the established protocols and terms.

REVISITING OUR MISSION:

Maintain a well-balanced investment group.

Generate a regular stream of income and longer-term capital appreciation for our shareholders

Nurture leadership with entrepreneurial skills and productively employ the capital harnessed

Provide a vehicle for upliftment, personal development and empowerment through finance, education, and participation.

To provide quality service to our shareholders while maintaining the highest standards of ethical behaviour

We are committed to transparency and accountability to shareholders

Roshgold upholds the highest standards of integrity and ethical conduct, safeguarding the trust placed in the company by stakeholders

We respect diversity.

We are committed to putting our shareholders at the heart of our business, developing and maintaining long-standing relationships based on trust

Our shareholders always come first

As we celebrate our 40th anniversary, we're seeking suggestions for an inspiring guest speaker to join us. Your recommendations would greatly contribute to making this year's AGM a truly memorable. Who would you propose to share their insights and expertise with us as we mark this significant milestone?

Help us make our 40th celebrations a cracker event. We invite your suggestions on a suitable and entertaining guest speaker to wow our audience. Send us names of a few candidates you think could move the audience.

HEY KIDS & PARENTS, THIS ONES FOR YOU!

UNLEASH YOUR IMAGINATION AND BE PART OF SOMETHING TRULY SPECIAL!

Download our exciting Roshgold 40th Activity Template and let your children dive into creativity.

Encourage them to design their very own Roshgold t-shirt and craft a heartfelt birthday message on the clouds. Once their masterpieces are complete, submit them back to us and share it to social media, don’t forget to tag Roshgold and use the hashtags below!

We will proudly exhibit them at our 40th Annual General Meeting.

Let's make this celebration unforgettable together!

Click the images or link below to access the templates and let the creativity flow!

#Roshgold40 #40thAGM #RoshgoldKidzClub

To download click the images above!

FOUR EASY MONEY LESSONS EVERY CHILD DESERVES TO LEARN

BY MAGS HEYSTEK ORIGINALLY PUBLISHED ON BIZNEWS

Teaching your kids about financial literacy is a gift that keeps on giving. It prepares them for the future, equipping them with the knowledge and skills to make wise financial decisions The benefit of starting from an early age is that you can inspire good money habits early in their life that they would be more likely to continue as they mature

FOUR EASY MONEY LESSONS THAT I PROPOSE ALL PARENTS

1. Introduce them to investment principles early on

The journey to financial literacy begins with understanding the value of money and the importance of saving Opening a digital investment account is a practical step towards this goal

It’s not just about saving; it’s about investing in their future. By starting small, you can teach them about the stock market, shares, and the concept of compounding growth

You could also introduce them to the idea of getting paid for doing household chores This approach not only teaches them the value of hard work but also gives them a sense of ownership over their financial future Show them where their money is going and explain the basics of investing, such as what stocks and bonds are, to demystify the process.

2. Open a savings or investment account

The best time to start investing for your child is now Early investment means you can take on more risk, allowing the portfolio to grow over time When setting up an account, involve your child in the process. This can be a valuable learning experience, showing them how investments are made and managed.

While only parents and legal guardians can officially open accounts for minors, extended family or friends can contribute, making it a collaborative effort This teaches your child about the importance of community and support in financial success

A great option to consider is a tax-free savings account. It offers great tax benefits and can be a significant component of a child’s future savings and investments.

3. Involve them in financial discussions

As your kids grow, especially those in their teenage years, introduce them to your financial advisor or involve them in discussions about investments This exposure is invaluable because it gives a real-world context to the concepts they’re learning about It also prepares them for their future, making the world of finance less intimidating. Explain to them the details of your investments, the role of an executor, and the importance of knowing who your financial advisor is This transparency not only builds trust but also prepares them to manage their own finances effectively in the future

4. Adapt the lessons to their life stages

From using a clear jar for savings to teaching them about budgeting with a simple app, each stage of your child’s life offers unique opportunities for financial education:

– Pre-school: Use a clear jar to save, so they can see their money grow This visual aid is a powerful tool in teaching the basics of saving

– Primary school: Introduce concepts like opportunity cost and the importance of earning money through chores. This age is perfect for teaching about spending, saving, and giving.

– Teenagers: Teach them about contentment, the dangers of credit cards, and the importance of saving for college Encourage them to manage a simple bank account and budget their income, preparing them for adult financial responsibilities

Financial literacy is a critical life skill, and it’s never too early or too late to start teaching your kids about money. By taking these steps, you’re not just preparing them for a financially secure future; you’re empowering them to make informed decisions and to understand the value of money

Remember, the goal is to make these lessons a natural part of their growth, ensuring they’re equipped to navigate the complexities of the financial world with confidence and wisdom

Who can open and contribute to the account?

While only you or another legal guardian can officially open an investment account for your child, don’t forget that extended family members or friends can also contribute They can do this using a debit order authority form, allowing a wider circle of loved ones to support your child’s financial growth

What happens when your child turns 18?

When your child reaches 18, the investment account legally becomes theirs. The platform will guide you through the transition process, ensuring a smooth transfer of control and responsibility to your now-adult child

Restrictions before age 18

Remember, until your child turns 18, they can’t legally make withdrawals or investment decisions about their account You’ll act as the authorised user, but I encourage you to involve your child in the investment process as much as possible This involvement is key to building their understanding and interest in managing their finances

ROSHGOLD INVESTMENT LIMITED

ROSHSUN INVESTMENT LIMITED

ROSHMETALS & MINERALS

Roshgold is an independent community based investment group that has interest in property, business ventures, listed and unlisted equities. Roshgold enjoys the confidence of its shareholders, bankers and community at large Roshgold declares returns once a year and pays out in November each year. No bank borrowings, all returns belong to the shareholders that pay returns annually.

R2400 /SHARE

A mixed property investment with reserves in Albaraka Bank and An-Nahl. Returns gets paid out as follows: approximately 50% after the first 6 months, followed by the outstanding amount 6 months later.

Roshsun is an appealing investment alternative for prospective investors capitalized at over R50 000 000.

R1400 /SHARE

Roshmetals & Minerals has been designed for a long term investment outlook A portfolio of quality resource based investments not within a small Investors reach Roshgold’s 40 years of experience in collective investment portfolio to grow with Roshmetal’s high quality investment It is our responsibility to create wealth, provide for your child’s education, invest for financial independence or simply create a nest egg for retirement Invest for a long term growth and returns

40 YEARS OF

FORTY YEARS OF FINANCIAL STRENGTH: A TRIBUTE TO ROSHGOLD

In forty years, a legacy unfurls, Roshgold's journey, a tale that swirls From humble roots, it dared to rise, With steadfast vision, it reached the skies

Founded on wisdom, built on trust, A beacon of hope amid the financial gust. Through trials and triumphs, it stood tall, Guiding investors through every squall.

With each passing year, it grew and thrived, Innovating, adapting, staying alive. Ethical in every way, it leads the fray, Roshgold shines brighter with each passing day.

A fortress of stability, a haven for dreams, Where wealth grows, and prosperity gleams. For forty years, it's been the guiding light, Empowering futures, shining ever bright.

As we celebrate this milestone grand, Let's join together, hand in hand.

To Roshgold, a tribute, for forty years strong, May its legacy endure, forever long

ROSHGOLD KIDZ CLUB JOINS HANDS WITH ROSHNEE FEEDING SCHEME

In a heartwarming display of community support and solidarity, Roshgold Kidz Club recently supported the Roshnee Feeding Scheme to make a meaningful impact during the holy month of Ramadaan As part of their initiative, Roshgold Kidz Club provided several participating schools in the community with Palestinian solidarity activities These activities were not just about fostering creativity and learning among the children but also aimed to instill a sense of empathy and understanding of global issues, particularly the plight of the Palestinian people

The children enthusiastically participated in these activities, pouring their hearts into creating artwork and messages of solidarity. Their efforts culminated in a remarkable showcase at the Ladies Mass Iftaar, where their creations adorned the venue, serving as poignant reminders of the power of compassion and unity

The Mass Iftaar, organized by the Roshnee Feeding Scheme, was a testament to the spirit of communal harmony and generosity that defines Ramadaan Ladies and children came together to break their fast and share in the blessings of the holy month Against the backdrop of these festivities, the presence of the children's artwork added an extra layer of significance, symbolizing the interconnectedness of humanity and the importance of standing in solidarity with those in need

The collaboration between Roshgold Kidz Club and the Roshnee Feeding Scheme exemplifies the profound impact that can be achieved when communities come together for a common purpose. Beyond providing meals and essential support, initiatives like these foster a sense of belonging and solidarity that strengthens the fabric of society.

As we reflect on the spirit of Ramadaan and the values it embodies, let us draw inspiration from the efforts of Roshgold Kidz Club and the Roshnee Feeding Scheme Together, we can continue to make a positive difference in the lives of others and create a more compassionate and inclusive world for all

Dear Roshgold Shareholder,

On behalf of Roshgold, we extend our warmest greetings to you and your families.

As the blessed month of Ramadaan draws to a close, we are filled with a sense of gratitude and joy as we prepare for Eid, it brings with it a message of joy, unity, and reflection. While bidding farewell to the month of Ramadaan, we are reminded of the importance of community, compassion, and gratitude

Eid-ul-Fitr holds a significant place in our hearts as it marks the culmination of a month-long journey of fasting, prayer, and self-reflection. It is a time to rejoice in the company of loved ones, to share laughter and delicious meals, and to strengthen the bonds of friendship and family

At Roshgold, we are deeply grateful for the trust and support you continue to place in us. Your confidence drives us to strive for excellence and to create value that benefits not only our shareholders but also the communities we serve

As we celebrate this Eid, let us also remember those who are less fortunate, those who are suffering in Gaza and extend a helping hand to those around us in need. Through acts of kindness and generosity, we can make a meaningful difference in the lives of others, embodying the true spirit of this auspicious occasion.

Our sincerest wishes for a joyous Eid filled with love, peace, and prosperity. May the bonds of unity and compassion continue to strengthen, and may the blessings of this holy day shine upon us and our families.

Eid Mubarak!

Activity Book Eid-ul-Fitr 1445

ROSHGOLD KIDZ CLUB

FUN EID PRINTABLES

Get ready to celebrate Eid in style with our vibrant Roshgold Eid Activity booklet with a Fasting Certificate! Keep your little ones entertained with fun activities designed to celebrate the joyous occasion of Eid. The booklet includes activities for kids to complete and color in, which can also be used as decorations for Eid.

EID WITH ROSHGOLD

This Eid, make your children's celebrations truly meaningful by investing their Eid money with Roshgold By investing in their future, you are teaching valuable lessons in financial responsibility and securing their tomorrow Let this Eid be a stepping stone towards a brighter future for your children

Download our investment certificate, to present to your kids on Eid day, showing them the gift of financial literacy and the importance of wise investments

We haven't forgotten about our adults and parents in our Eid celebrations. To make your gifting even more special, we have created Eid gift tags for you to download and use. Add a personal touch to your presents with our beautifully designed tags, spreading joy and warmth to your loved ones

Simply download, print, and attach them to your gifts to make them extra special

Add to a saucepan:

Peels of 1 lemon

2 lemongrass leaves

1/2 cup sugar

1/2 cup water

Bring to a boil and simmer for 2-3 minutes

Remove peels

Add to a blender along with more lemongrass and the juice of 1 lime and 1 lemon

Blend and strain the syrup

Cool completely before using

Pour syrup in a glass (about 3 tablespoons) or pitcher (1/2 cup)

Add ice, leftover lemon peels and more lemongrass leaves (optional)

Top with ginger ale or chilled still water if you want a non-sparking option.

M E T H O D

5 eggs

Pinch of salt

1 1/2 cups sugar

3/4 cup boiling water

3/4 cup oil

1 teaspoon vanilla essence

1 1/2 cups flour

1/4 cup cocoa powder

4 teaspoon baking powder

Sift together flour, baking powder, cocoa powder 3 times and set aside. Separate eggs and beat egg whites stiff with salt and set aside.

Beat yolks and sugar till creamy, add in boiling water and oil. Beat now add in vanilla essence. Add in flour mixture and beat till nicely combined now fold in the egg whites. Bake on 180 degrees till done or until a skewer comes out clean

In volatility you need an investment tree with many branches, a strong trunk and deep roots to protect your wealth. Plant your seed today and watch it grow

Secure your financial future! Protect your wealth! Roshgold has delivered returns to shareholders for thirty nine years You enjoy flexibility You can invest regularly by monthly debit order or by lump sum. Invest for security, invest for children’s education, invest for returns and invest for growth! Group assets exceed R 500 million