In the world of finance, risk is often portrayed as a mathematical beast, tamed by sophisticated metrics like volatility, beta, or Value at Risk (VaR). These tools measure how much an investment's price swings or the potential for extreme losses in a...
As we celebrate Savings Month in South Africa this July 2025, I am thrilled to announce the launch of EBnet's innovative Kids Menu – a dedicated online resource designed to foster a culture of saving among families. This new initiative, accessible at...
In South Africa, many families work tirelessly just to survive. With immediate needs pressing, thinking about the future feels like a luxury, one that many simply cannot afford. The harsh truth is that in many households, the idea of planning for retirement is...
When it comes to retirement planning, many rely on 'rule of thumb' calculations and assumptions; the likes of which we often see dotted across retirement fund communications or in financial services awareness campaigns. These rules of thumb, such as how many multiples...
The South African rand is one of the most volatile currencies in the world, more so than many of its emerging market peers. In fact, over the past decade, only the Russian rouble and Argentinian peso have been more volatile. The currency's movements are often driven...
As a wealth manager, one of the key principles to understand is that while we can't control everything, like market performance, we can control strategic decisions that impact a client's financial future. One such controllable factor is the timing of retirement. Your...
Retirement funds, whether a pension, provident or retirement annuity before retirement and living annuities after retirement, have a general lack of appeal due to their perceived complex nature and inflexibility. However, the advantages can often far...
It's been just over two months since the South African retirement fund system underwent its most significant transformation: the introduction of the two-pot system. After years of regulatory reforms, this change has finally brought compulsory preservation...
Trust, usually underpinned by transparency, is a key pillar of good relationships. This is especially true in the relationship between a financial services provider and their clients. Education has an important role to play in this relationship too, and it...
Behavior Gap and EBnet are excited to bring “simple, fresh, fun” to the financial world in South Africa. People learn when they listen but they remember when they see. We believe that using less words and talking in pictures nurtures understanding....
