When families, assets and investments span borders, wealth planning gets more complicated. Different tax regimes, legal systems and family circumstances all need to be considered.
Coordinated professional advice, the right trustee and clear communication between generations are the secret to keeping your wealth structures fit for purpose and protecting family wealth for the future.
Mention the word “budget” and enthusiasm tends to go up in a puff of smoke. The B word suggests fewer dinners out, cheaper holidays and the uncomfortable business of working out where last month’s money went.
Budgeting is usually presented as an exercise in cutting back. But used properly, a budget can reveal how much is going towards things we barely value anymore … Often at the expense of things we would much rather be doing.
Five years after meme stocks and Special Purpose Acquisition Companies (SPACs), the Everything Bubble has returned. This time it is more concentrated, more leveraged and more dependent on a single theme: AI.
September’s bond-driven sell-off shows how exposed stretched markets are to rising interest rates. For South African investors, already nursing a 4.5% slide on the JSE this month, the challenge is to remain invested without getting caught up in the fallout.
Retirement planning is usually about making sure you have enough money to last. You build a nest egg, work out how much you can safely withdraw, and try to protect your income against the uncertainties of markets, inflation and longevity.
But what happens when things go better than planned, and your portfolio grows rather than shrinks? Then it’s time to push the fears aside and seize the day…
According to a new study, South African families are largely underprepared for the administrative implications of the death of a loved one. The results are deeply concerning.
In this article, we look at what goes into estate planning, why it matters, and how to make sure you are prepared.
An Economic and Market overview of September 2026 from Chrome.
US Treasury yields hit their highest levels since 2007 in August, highlighting that investors are losing their patience with the US’s mounting government debt exposure and failure to bring inflation down to its target.
Usually, the US’s woes become South Africa’s. But remarkably, domestic assets haven’t been caught up in the sell-off so far. The attractive carry trade is holding up the bond market and strengthening the rand. The question is how long the good times can last.
According to the US Bureau of Labor Statistics, the average person stays in a job less than four years. Most people will switch employers multiple times.
This might mean you have more opportunities to boost your salary and career prospects, but it also means you’re triggering many decisions about what to do with your retirement savings.
Let’s look at how the “two-pot” retirement system has changed resignation rules for fund members, and break down your options when moving to a new job.
Private credit is booming. But what does it mean for you and me?
Once associated with high-risk lending, private credit has evolved into a sophisticated, institutionalised market filling gaps left by traditional banks. Understanding why it’s growing, and who’s driving the demand, offers a useful window into how global markets are changing, even if you never invest in private credit yourself…
Citizenship is one of the most overlooked assets in wealthy families’ long-term planning. As families become more global, a well-considered citizenship strategy can unlock greater mobility, opportunity and resilience for future generations.
Beyond investments, trusts and succession plans, it’s worth asking a bigger question. Where will your family have the freedom to live, work, study and build its future? And have you planned for it?
This year, just about everything that could go wrong has gone wrong. But despite the turmoil markets have shown remarkable resilience. Time and again, investors have been confronted with events that seemed destined to derail global growth, only for fundamentals to reassert themselves.
As wars, technology, and economic policy continue to pull markets in different directions, one question remains: why do markets keep ending up in almost exactly the same place?
For a long time, a second income was a nice-to-have: a “side hustle” that brought in some extra spending money, or was a way to express your interests and creativity outside of work.
But it is increasingly becoming something entirely different: ‘career insurance’.
In this article we look at a profound shift in how people think about a second income, and why it is becoming more critical.
After years of market turbulence followed by surprisingly resilient recoveries, many investors are asking an unexpected question: “Am I being too cautious?”
Let’s look at how recent experience shapes our perception of risk, why discipline still matters, and the role thoughtful financial advice plays in keeping emotions from driving investment decisions.
For many South Africans, the annual medical scheme increase has become one of the most dreaded notifications of the year. As healthcare costs continue to outpace inflation and salaries, more families are questioning whether private healthcare is still affordable.
Before making decisions to downgrade or cancel your cover, it’s worth speaking to your financial adviser about balancing affordability with the protection your family needs.
An Economic and Market overview of July 2026 from Chrome.
Since the year dot, narratives have driven investor sentiment. June’s narrative was largely positive for South Africa as investors uprated our investment potential, but it was decidedly rocky for US investors, with chipmakers leading stock markets to heady highs before driving them down to disconcerting lows.
In June, the performance gap between the JSE and developed markets narrowed amid positive sentiment, and, for the first time in years, the investment case for South Africa was being made not by local optimists but by global institutional investors.
For generations, financial planning followed a familiar script: build a career, buy a home, raise a family and, eventually, pass wealth on to the next generation. While that path still resonates with many, modern lives are far more diverse.
The reasons for not having kids may differ, but the financial question is often the same: if your wealth is not destined for children, how can it best enrich your life, reflect your values and leave a meaningful legacy long after you are gone?
We all know investing is about building wealth over time. By saving consistently and investing prudently, we aim to lay the groundwork for long-term financial wellbeing.
But the most fulfilled people are not always those who have accumulated the greatest amount of wealth. More often, they are those who feel that their skills, resources and experiences have become part of something larger than themselves.
Earning a first paycheck is a big step in anyone’s life. The value of that money in your bank account goes well beyond just the financial. It’s a significant psychological shift.
It is a moment of great opportunity, but also one fraught with challenges. In this article we look at how to navigate your first salary and to optimise it for your future like a seasoned financial architect.
An Economic and Market overview of May 2026 from Advantage.
When families, assets and investments span borders, wealth planning gets more complicated. Different tax regimes, legal systems and family circumstances all need to be considered.
Coordinated professional advice, the right trustee and clear communication between generations are the secret to keeping your wealth structures fit for purpose and protecting family wealth for the future.
Mention the word “budget” and enthusiasm tends to go up in a puff of smoke. The B word suggests fewer dinners out, cheaper holidays and the uncomfortable business of working out where last month’s money went.
Budgeting is usually presented as an exercise in cutting back. But used properly, a budget can reveal how much is going towards things we barely value anymore … Often at the expense of things we would much rather be doing.
Five years after meme stocks and Special Purpose Acquisition Companies (SPACs), the Everything Bubble has returned. This time it is more concentrated, more leveraged and more dependent on a single theme: AI.
September’s bond-driven sell-off shows how exposed stretched markets are to rising interest rates. For South African investors, already nursing a 4.5% slide on the JSE this month, the challenge is to remain invested without getting caught up in the fallout.
Retirement planning is usually about making sure you have enough money to last. You build a nest egg, work out how much you can safely withdraw, and try to protect your income against the uncertainties of markets, inflation and longevity.
But what happens when things go better than planned, and your portfolio grows rather than shrinks? Then it’s time to push the fears aside and seize the day…
According to a new study, South African families are largely underprepared for the administrative implications of the death of a loved one. The results are deeply concerning.
In this article, we look at what goes into estate planning, why it matters, and how to make sure you are prepared.
An Economic and Market overview of September 2026 from Chrome.
US Treasury yields hit their highest levels since 2007 in August, highlighting that investors are losing their patience with the US’s mounting government debt exposure and failure to bring inflation down to its target.
Usually, the US’s woes become South Africa’s. But remarkably, domestic assets haven’t been caught up in the sell-off so far. The attractive carry trade is holding up the bond market and strengthening the rand. The question is how long the good times can last.
According to the US Bureau of Labor Statistics, the average person stays in a job less than four years. Most people will switch employers multiple times.
This might mean you have more opportunities to boost your salary and career prospects, but it also means you’re triggering many decisions about what to do with your retirement savings.
Let’s look at how the “two-pot” retirement system has changed resignation rules for fund members, and break down your options when moving to a new job.
Private credit is booming. But what does it mean for you and me?
Once associated with high-risk lending, private credit has evolved into a sophisticated, institutionalised market filling gaps left by traditional banks. Understanding why it’s growing, and who’s driving the demand, offers a useful window into how global markets are changing, even if you never invest in private credit yourself…
Citizenship is one of the most overlooked assets in wealthy families’ long-term planning. As families become more global, a well-considered citizenship strategy can unlock greater mobility, opportunity and resilience for future generations.
Beyond investments, trusts and succession plans, it’s worth asking a bigger question. Where will your family have the freedom to live, work, study and build its future? And have you planned for it?
This year, just about everything that could go wrong has gone wrong. But despite the turmoil markets have shown remarkable resilience. Time and again, investors have been confronted with events that seemed destined to derail global growth, only for fundamentals to reassert themselves.
As wars, technology, and economic policy continue to pull markets in different directions, one question remains: why do markets keep ending up in almost exactly the same place?
For a long time, a second income was a nice-to-have: a “side hustle” that brought in some extra spending money, or was a way to express your interests and creativity outside of work.
But it is increasingly becoming something entirely different: ‘career insurance’.
In this article we look at a profound shift in how people think about a second income, and why it is becoming more critical.
After years of market turbulence followed by surprisingly resilient recoveries, many investors are asking an unexpected question: “Am I being too cautious?”
Let’s look at how recent experience shapes our perception of risk, why discipline still matters, and the role thoughtful financial advice plays in keeping emotions from driving investment decisions.
For many South Africans, the annual medical scheme increase has become one of the most dreaded notifications of the year. As healthcare costs continue to outpace inflation and salaries, more families are questioning whether private healthcare is still affordable.
Before making decisions to downgrade or cancel your cover, it’s worth speaking to your financial adviser about balancing affordability with the protection your family needs.
An Economic and Market overview of July 2026 from Chrome.
Since the year dot, narratives have driven investor sentiment. June’s narrative was largely positive for South Africa as investors uprated our investment potential, but it was decidedly rocky for US investors, with chipmakers leading stock markets to heady highs before driving them down to disconcerting lows.
In June, the performance gap between the JSE and developed markets narrowed amid positive sentiment, and, for the first time in years, the investment case for South Africa was being made not by local optimists but by global institutional investors.
For generations, financial planning followed a familiar script: build a career, buy a home, raise a family and, eventually, pass wealth on to the next generation. While that path still resonates with many, modern lives are far more diverse.
The reasons for not having kids may differ, but the financial question is often the same: if your wealth is not destined for children, how can it best enrich your life, reflect your values and leave a meaningful legacy long after you are gone?
We all know investing is about building wealth over time. By saving consistently and investing prudently, we aim to lay the groundwork for long-term financial wellbeing.
But the most fulfilled people are not always those who have accumulated the greatest amount of wealth. More often, they are those who feel that their skills, resources and experiences have become part of something larger than themselves.
Earning a first paycheck is a big step in anyone’s life. The value of that money in your bank account goes well beyond just the financial. It’s a significant psychological shift.
It is a moment of great opportunity, but also one fraught with challenges. In this article we look at how to navigate your first salary and to optimise it for your future like a seasoned financial architect.
An Economic and Market overview of May 2026 from Advantage.
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