wealth redefined.TM
Insights

Gold isn’t always a crisis hedge
Gold is often treated as the ultimate crisis hedge. Yet in practice it does not always behave that way. Earlier in my career I traded gold at the South African

Two-pot withdrawals reveal a bigger financial protection gap
The two-pot system is designed to give South Africans access to a limited lump sum from their retirement savings once a year, to help tide them over financial emergencies. It

Gen Z’s growing presence in the stock market reshapes investment trends
In past decades, the stock market was mainly the playground for people in their late adulthood. It was largely limited to affluent, high net worth individuals due to barriers imposed

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