The benefits of low interest rates

WHY LOWER INTEREST RATES BENEFIT SOUTH AFRICAN CONSUMERS AND LONG-TERM INVESTORS South Africa’s monetary policy has entered a new era of lower interest rates, with the repo rate recently cut to 6.75% as inflation trends toward the 3% target. This shift offers...

The fear of missing out

THE PSYCHOLOGY OF FOMO AND INVESTING IN A RALLY As equity markets around the globe surge, the mood among investors often shifts from cautious optimism to euphoric urgency. Headlines trumpet record highs, social media buzzes with success stories, and suddenly, everyone...

The poor state of municipal finances

THE POOR STATE OF MUNICIPAL FINANCES IN SOUTH AFRICA Whether you live in a bustling city or a quiet rural town, many South Africans have witnessed the steady decline of local infrastructure and service delivery over the past decade. A significant contributor to this...

The Rule of 72

THE RULE OF 72: A SIMPLE SHORTCUT TO SMARTER FINANCIAL PLANNING In the world of finance, where complex formulas and jargon often dominate, the Rule of 72 is one of our favourites and stands out as a refreshingly simple yet powerful tool. Whether you’re a...