South African equities face an increasingly complex macroeconomic backdrop heading into 2027. A potentially powerful El Niño cycle, elevated energy prices and persistent geopolitical disruption create renewed upside risk to inflation while domestic economic...
An asset manager’s flexibility matters as the environment can change quickly and significantly. And right now, our investment team believe three structural shifts are busy reshaping the investment landscape: A historic rebuild of European defence spending, A...
What is the need? The National Development Plan (NDP) set a target for South African Gross Fixed Capital Formation (GFCF) to reach 30% of GDP by 2030, with public sector investment contributing about 10%. In 2024, however, total fixed investment was...
Responsible investment in South Africa has reached an important point in its development. The principles are familiar, the policies are largely in place, and environmental, social and governance (ESG) considerations has entered investment mandates and...
Global investors have had no shortage of challenges to contend with in recent years. Inflation shocks, geopolitical tensions, supply chain disruptions and rising interest rates have repeatedly tested confidence. Despite these headwinds, economies and markets...
The infrastructure behind digital lending Optasia is a fintech company at the centre of the digital lending ecosystem across Africa and parts of the Middle East and Asia. The company reaches more than 400 million users across 38 countries and processes over...
In retirement planning, one proverb holds the ultimate truth: “The best time to plant a tree was 20 years ago. The second-best time is today.” A sustainable retirement is not luck; it’s the result of three key decisions. 1. When: The cost of delay Time is...
Generation X, currently aged 46 – 61, are fast approaching retirement. The key question is: Are they ready for this important milestone? This generation is often overlooked in the media, which tends to focus on younger generations such as Millennials. Yet,...
Retirement planning has traditionally focused on expected long-term returns. That measure is useful during accumulation, when contributions continue and a long horizon gives a portfolio time to recover from a bad year. It is less reliable once a retiree...
This quarter’s update covers recent developments and issues to watch: Treasury’s proposals for unclaimed assets, the new 24-hour cyber-reporting regime, an important ruling on dependency, and the end of the transition period for administration agreements....