South African markets continued to show resilience during August (SA Equities up 4.6%), supported by improving investor sentiment, attractive bond yields and strength in resource and financial shares. Commodity prices, particularly gold and platinum group metals, remained supportive, helping offset the country’s ongoing growth challenges. Over the past few months, a more stable fiscal backdrop…
According to the US Bureau of Labor Statistics, the average person stays in a job less than four years. Most people will switch employers multiple times. This might mean you have more opportunities to boost your salary and career prospects, but it also means you’re triggering many decisions about what to do with your retirement savings. Let’s look at how the “two-pot” retirement system has changed resignation rules for fund members, and break down your options when moving to a new job.
Citizenship is one of the most overlooked assets in wealthy families’ long-term planning. As families become more global, a well-considered citizenship strategy can unlock greater mobility, opportunity and resilience for future generations.
Beyond investments, trusts and succession plans, it’s worth asking a bigger question. Where will your family have the freedom to live, work, study and build its future? And have you planned for it?
Private credit is booming. But what does it mean for you and me? Once associated with high-risk lending, private credit has evolved into a sophisticated, institutionalised market filling gaps left by traditional banks. Understanding why it’s growing, and who’s driving the demand, offers a useful window into how global markets are changing, even if you never invest in private credit yourself…
US Treasury yields hit their highest levels since 2007 in August, highlighting that investors are losing their patience with the US’s mounting government debt exposure and failure to bring inflation down to its target.
Usually, the US’s woes become South Africa’s. But remarkably, domestic assets haven’t been caught up in the sell-off so far. The attractive carry trade is holding up the bond market and strengthening the rand. The question is how long the good times can last.
South African markets delivered a constructive performance in July despite a challenging economic backdrop. The JSE All Share Index advanced, supported by gains in resources, listed property and large dual-listed counters, while encouraging progress on electricity supply and infrastructure reforms continued to bolster confidence. However, the local economy remains constrained by elevated borrowing costs, softer…
After years of market turbulence followed by surprisingly resilient recoveries, many investors are asking an unexpected question: “Am I being too cautious?”
Let’s look at how recent experience shapes our perception of risk, why discipline still matters, and the role thoughtful financial advice plays in keeping emotions from driving investment decisions.
For a long time, a second income was a nice-to-have: a “side hustle” that brought in some extra spending money, or was a way to express your interests and creativity outside of work. But it is increasingly becoming something entirely different: ‘career insurance’.
In this article we look at a profound shift in how people think about a second income, and why it is becoming more critical.
For many South Africans, the annual medical scheme increase has become one of the most dreaded notifications of the year. As healthcare costs continue to outpace inflation and salaries, more families are questioning whether private healthcare is still affordable. Before making decisions to downgrade or cancel your cover, it’s worth speaking to your financial adviser about balancing affordability with the protection your family needs.
This year, just about everything that could go wrong has gone wrong. But despite the turmoil markets have shown remarkable resilience. Time and again, investors have been confronted with events that seemed destined to derail global growth, only for fundamentals to reassert themselves. As wars, technology, and economic policy continue to pull markets in different directions, one question remains: why do markets keep ending up in almost exactly the same place?