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The hidden business insurance risks of early-year cash-flow pressure
The first quarter of the year is often one of the most financially challenging periods for South African businesses. After absorbing year-end expenses, navigating delayed customer payments and contending with

2026 medical aid contribution increases: DHMS vs the rest
Increases across more than 80 plans compared … Discovery Health Medical Scheme (DHMS) contributions will increase for 2026 from April, following a decision by the scheme in October to defer these for

What does it really mean to be a patient investor?
Having managed money together for decades we have lost count of the number of times we convinced ourselves of being sensible when, in truth, we were just uneasy. We have

SARS sharpens its focus on South Africa’s High-Wealth Individuals
High-Wealth Individuals (HWIs), defined by the South African Revenue Service (SARS) as individuals with gross assets of R75 million or more, play a significant role in South Africa’s tax base.

From side hustles to smart stocks: How young South Africans can run the modern stockmarket
There are few generations who understand the power of the side hustle more than today’s youth. But there’s also no generation that values investment as the ultimate side hustle quite

Investor insights in a world of risk and opportunities
The gold price reached 45 new all-time highs during 2025, and the 65% price gain in the year dwarfed anything experienced in the 2000s bull market. In the modern era

Business Economy Budget 2026 | 7 key take-aways from Godongwana’s speech
Finance Minister Enoch Godongwana delivered the 2026 Budget on Wednesday, February 26. The 2026 Budget signals a turning point in fiscal stability. Debt is stabilising, no broad tax hikes were introduced, and

Good news about salaries in 2026 – with tax relief on the cards
The PayInet Net Salary Index rose in January, with PayInc optimistic about real wage increases for workers in South Africa. The index tracks the nominal net salaries of an estimated

Doing nothing is a decision – and it’s costing investors
Set and forget” portfolios are quietly eroding long-term returns. Multiple global studies show that the average investor consistently underperforms the market by 3-5 percentage points each year – not because

Get ready for a noisy year!
In 2026, rewards will come to those who are willing to rebalance boldly but thoughtfully; who diversify globally without abandoning local conviction; and who help clients embrace the entrepreneurial mindset

Protect your home: why 2026 demands smarter solutions for South African homeowners
South Africa is stepping into 2026 with a hint of economic relief, but for homeowners, the pressure is still very real. Interest rates may ease slightly, but rising living costs

The making of SA’s medical aid crisis
As of this month, South African medical aid scheme contributions have increased by between 6–9% – nearly triple the Council for Medical Schemes’ recommended 3.3% guideline. While lower than last