Articles

… but will ‘Goldilocks’ conditions continue to prevail?   SOUTH AFRICAN fixed-income investors have enjoyed another exceptional year, with the local bond market extending the strong performance seen in 2024. For years, domestic bond returns came largely from income – but since last year, investors have also benefited from significant capital gains.  Long-dated nominal bonds have led 2025’s rally, with 30-year yields over 1.8% lower for the year to 30 November 2025. A combination of supportive developments has buoyed sentiment.  However, with global dynamics shifting, risks are rising. If you’d like to read the rest of this article, please sign up or, if you’re already a member, log in. Sign Up Log In A subscription allows you UNLIMITED access to premium articles and content for less than the price of a cup of coffee! Cancel anytime.

It might not be your ultimate ‘dream home’, but it’s a good start   FINDING VALUE in South Africa’s property market used to mean stretching beyond major metros, or compromising on space.  Today, with interest rates easing and demand patterns shifting, R1 million can still unlock meaningful investment opportunities. When investing in this price bracket, you need to know where to look – and how to structure your purchase for maximum returns. If you’d like to read the rest of this article, please sign up or, if you’re already a member, log in. Sign Up Log In A subscription allows you UNLIMITED access to premium articles and content for less than the price of a cup of coffee! Cancel anytime.

Financial wellness in unstable times   INFLATION KEEPS eating away at what we earn.  Traditional savings accounts barely keep up with rising costs.  Economic uncertainty has become our new reality.  But something interesting is happening – a quiet shift toward building wealth through small, steady actions rather than dramatic market bets or get-rich-quick schemes. Financial wellness used to feel like something only wealthy people or investment pros could achieve.  That’s changing.  The real secret isn’t having loads of money or deep market knowledge – it’s understanding that financial security comes from sticking with it, not getting everything perfect. If you’d like to read the rest of this article, please sign up or, if you’re already a member, log in. Sign Up Log In A subscription allows you UNLIMITED access to premium articles and content for less than the price of a cup of coffee! Cancel anytime.

Build long-term wealth the smart way – clear goals, low risk, no guesswork   EIGHT OUT of ten South Africans now hold some form of savings or investment.  Yet, for first-time earners, cash in the bank is no longer enough.  With inflation biting, interest rates still high, and housing costs rising, many are asking: “How do I invest wisely, simply, and for real long-term growth?” There’s no perfect moment to start investing.  Clarity and consistency matter more than timing the market.  The key is simple: get started, keep fees low, and let compounding work quietly in the background. If you’d like to read the rest of this article, please sign up or, if you’re already a member, log in. Sign Up Log In A subscription allows you UNLIMITED access to premium articles and content for less than the price of a cup of coffee! Cancel anytime.

The reality that few high-income earners are prepared to face   BANKRUPTCY IS often framed as a consequence of low wages, unstable employment, or chronic financial hardship.  It is rarely associated with seven-figure salaries, prestigious job titles, or outward signs of success. Yet a growing number of high-income earners are confronting an uncomfortable truth: despite strong earnings, many are only one month away from bankruptcy. This paradox exists, because income and financial resilience are not the same thing.  A high salary can disguise structural weaknesses that only surface when cash flow is interrupted, expenses spike, or access to credit tightens. When those weaknesses are exposed, the descent can be swift. If you’d like to read the rest of this article, please sign up or, if you’re already a member, log in. Sign Up Log In A subscription allows you UNLIMITED access to premium articles and content for less than the price of a cup of coffee! Cancel anytime.