For the last two decades, global capital markets have been undergoing a silent but aggressive transformation known as “de-equitisation”. The number of publicly traded companies has more than halved, while the pool of private capital is exploding. The pool of...
Three years ago, we wrote an article highlighting the systemic strain on the country’s water infrastructure and the emerging opportunities for private sector investment. At the time, the investment case rested largely on the scale of the infrastructure...
A phone vibrates: a bank notification telling someone that money has been deducted for their pension contribution. By the time they’ve read it, the subtraction has already happened. This moment happens everywhere: in Sandton boardrooms, in Cape Town...
Global markets are navigating an era of heightened uncertainty. Geopolitical fragmentation is reshaping trade alliances; inflation remains structurally higher than in the decade following the global financial crisis; interest rate cycles are less...
Pension fund trustees face a deceptively simple question: is the capital entrusted to you working as hard as it could be? Not just whether it's invested in the right asset classes, but whether the way it's being managed is getting the most out of every rand....
On 3 December 2024, South Korean President Yoon Suk Yeol declared martial law – a move that plunged the country into its deepest political crisis since the transition to democracy in the 1980s. Within hours, citizens flooded the streets in protest,...
Have you considered what would happen if you didn’t make it home today? Would your family know where your will is kept? Would they know where your assets are held - or would there be confusion, delays and avoidable stress? You may know exactly where the...
South Africa’s retirement fund system is often described in the language of actuarial precision, fiduciary duty and regulatory compliance. But pension law has never been purely technical. It governs people at some of life’s most vulnerable moments:...
The recent Financial Planning Standards Board (FPSB) Chief Executives Committee (CEC) meeting in Cape Town brought together global leaders in financial planning to share affiliate updates across territories. While each market has its own nuances, a...
The governance of retirement funds in South Africa is undergoing a significant shift, driven in part by the anticipated enactment of the Conduct of Financial Institutions (COFI) Bill. COFI seeks to introduce a consolidated, principles based regulatory...