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Articles

Women, wealth and the power of better advice
South African women carry an ever-growing share of the country’s financial responsibilities, yet many remain dangerously underinsured and unsure where to begin investing. The cost of inaction falls on women

The great wealth transfer: Why your children may not be ready
As wealth passes between generations, the biggest challenge is often not transferring assets, but preparing heirs to take responsibility for them. A massive transfer of wealth is underway and most

How concentration and valuations may reshape active opportunities
For years, the global investment landscape has been defined by a relentless shift towards passive strategies. By the end of 2023, a historic milestone was reached when US passive mutual

Medical aid cover is changing – are South Africans prepared for the gaps?
Medical aid remains essential for accessing private healthcare in South Africa, but it is no longer safe to assume it will cover the full cost of treatment. In 2026, industry

South Africa scores just 50/100 on being ready for what happens after a death
Capital Legacy launches the country’s first national benchmark tracking how prepared, protected and supported South African families really are once a loved one dies. Most South Africans plan for a

When good investment stories go wrong
Since the mid-1990s I have invested through more “once-in-a-generation” themes than I care to count. The euro conversion. The internet boom and its unravelling. China’s rise and the commodity supercycle

The dividend you can hang on a wall: Art, passion and the illusion of easy returns
The art we have collected over the years have enriched our lives immeasurably. Not all of them, however, have proved to be good investments. That tension lies at the heart

The great living annuity balancing act: Income today versus security tomorrow
So, you’re fortunate enough to be one of the small percentage of South Africans to end your career with a decent retirement nest egg. Your worries are over, right? You can spend

Diversification remains key when you can’t see what’s around the corner
As we settle into the second half of 2026, global market returns continue to be driven by themes pulling markets in different directions. There has been an almost unprecedented combination

Why gap cover has become a non-negotiable conversation for advisers
Medical aid is essential for accessing private healthcare in South Africa, but it does not always cover the full cost of treatment. Shortfalls related to specialist fees, co-payments, and sub-limits,

South Africans drowning in debt as cost-of-living crisis deepens
More than half now spend over 40% of their take-home pay servicing debt. South Africans are using an increasingly larger share of their take-home pay to service debt, and a

From forecasts to probabilities: Why being ‘right’ matters less than being prepared
Investors have long accepted that markets are uncertain. What is becoming increasingly clear, however, is that uncertainty itself is changing – and with it, the way portfolios need to be