Tag: FinancialAdvice

For decades, the conversation about inequality has centred on income, employment and access to capital. Those issues remain fundamental. However, another divide is becoming increasingly important: the gap between people who can navigate an increasingly complex financial world and those who cannot

An additional percentage point in annual investment fees may seem insignificant. However, over a lifetime, it can compound into millions in lost retirement savings. Yet many South Africans remain unaware of the fees they pay to invest and grow their wealth. An investor paying just 1% more in annual investment fees could retire with R3.5 million less than someone paying lower fees.

For millions of women, managing money means more than paying the bills. It means doing the invisible work of keeping a household on track. Often, they do this at the expense of their own financial future. You’re halfway through the workday when you remember the school fees are due. While doing a quick grocery run on the way home, you do rapid mental sums. You need to make sure the food budget will last until payday if you treat the family to take-out tonight.

From ceasefires to blockades, the world continues to feel increasingly unpredictable. Headlines remain dominated by conflict in the Middle East, rising geopolitical tension and markets reacting in real time. When the world feels uncertain, people naturally ask one question: Should I stay, or should I go?

Understanding the difference between financial advice and holistic wealth guidance is essential for anyone planning their long-term financial future. The discussion in the video explores a common misconception in the financial services industry: many people assume that a professional managing their investments automatically provides comprehensive wealth advice. However, the conversation highlights that this is not always the case.

The Conduct of Financial Institutions (COFI) Bill will redefine professionalism in South African financial advice, and advisers who adapt early will lead the field. South Africa’s financial advice sector is entering a decisive new era. The COFI Bill, expected to take effect in 2026, will redefine what quality advice means and how it must be proven.

With the festive season behind us, many South Africans are focused on a reset. We have cleared sugar from our pantries and clutter from our homes. However, one vital area often gets overlooked. It quietly drains both energy and bank accounts. That area is our finances, and it sits at the heart of the 2026 financial detox.