In a world where time is often taken for granted and decimals in investment returns dominate the conversation, it's easy to forget that pensions are actually about people's futures. That's why the real story of investing is how capital becomes a bridge...
The business case for sustainability is clear: companies and retirement funds cannot thrive on a planet suffering from cascading crises and unmanageable risks. Yet, despite decades of corporate commitments, businesses continue to damage the planet. The...
Private credit has long been considered a niche asset class within the alternative investment universe, overshadowed by the dominance of private equity. However, as market dynamics evolve and investors search for yield above that of traditional fixed income,...
The evolution of financial markets is often shaped by regulation, and few examples illustrate this better than the development of South Africa's Exchange-Traded Fund (ETF) market. While global ETF markets, such as those in the United States, have flourished...
Emerging market (EM) portfolio inflows continue to recover, supported by a "Goldilocks" environment amid a shift in the Federal Reserve's policy stance. South African equities have benefited from improving risk appetite, recording a 24% increase year-to-date...
As institutional investors increase exposure to global markets, withholding tax on cross-border income has become a material concern due to the magnitude of tax leakage. For pension funds, investment managers, and other asset owners, reclaiming this tax is a...
In the state-owned enterprises (SOE) sector, it's hard to find entities that are financially sustainable and largely delivering on their service delivery mandate. The Airports Company South Africa SOC Limited (ACSA) is one candidate which has, in large part,...
Over the past 12 years, Prosus has been a standout performer for South African investors. In fact, returns on the All-Share Index would be some 17% lower if Naspers and Prosus were excluded from the Index over this period. Despite its relatively complex...
Living annuities have long posed a challenge in South African divorce proceedings. Unlike pension interests in retirement funds, which are clearly regulated under the Divorce Act and the Pension Funds Act, living annuities occupy a grey area -neither fully...
As a financial planner you can be certain that by the time your clients engage with you to structure their financial future, they have done the Artificial Intelligence (AI) platform round. Tools like ChatGPT, DeepSeek, Grok and Gemini would have been...