What impact will Trump's presidency have on the global economy and emerging markets? Tune in to the latest episode of the No Ordinary Wednesday podcast for insights from Investec experts, Annabel Bishop (SA) and Ellie Henderson (UK). Listen here Podcast key moments: 00:00 – Introduction 01:00 - A few days since the Trump win have global markets settled? 02:56 – How will a Trump presidency impact inflation in the US? 04:15 – How will the Trump presidency affect global inflation and growth? 05:34 - How worried should emerging markets be about inflation? 08:19 – How will Trump’s proposed tariffs affect global growth? 10:57 – How will the Trump presidency impact other key markets? 12:21 – Will a surge in US bond yields continue? 13:25 – SA bond market outlook 15:00 – Concerns about the oil market? 16:55 – Upsides to the Trump win? Read more on www.investec.com/now Hosted by seasoned broadcaster, Jeremy Maggs, the No Ordinary Wednesday podcast unpacks the latest economic, business and political news in South Africa, with an all-star cast of investment and wealth managers, economists and financial planners from Investec. Listen in every second Wednesday for an in-depth look at what's moving markets, shaping the economy, and changing the game for your wallet and your business. Investec Focus Radio SA

In this episode of Everything Counts, we explored various tax-saving strategies available to South Africans. With insights from tax experts Nicci Courtney-Clark, head of Tax at TaxTim and Bronwen Trower, co-portfolio manager at Investec Wealth & Investments, we uncovered how you can optimise your tax savings in South Africa while remaining compliant. This episode is perfect for anyone looking to be more tax-savvy and keep more of what they earn. Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help listeners improve their financial well-being. Key moments 00:00 Introduction 01:00 Tax-free savings accounts explained 03:00 Retirement contributions and tax benefits 05:00 Tax considerations before retirement 06:00 Donation tax benefits and requirements 08:00 Home office deductions: What qualifies? 10:00 Understanding medical tax credits and expenses 13:00 SARS auto-assessments: Pros and cons 14:00 How to dispute an auto-assessment 17:00 Penalties for missing tax deadlines 18:00 Common tax-saving mistakes to avoid YOU MIGHT ALSO BE INTERESTED IN: As an Investec client, you have access to a dedicated Investec financial adviser for your life insurance and investment needs. Our advisers provide objective advice with no additional fees or commissions. Ensuring transparency and trust. Experience clear, unbiased advice with your trusted financial partner. Investec Focus Radio · Read full article · Listen to the full series

Was inflation the poisoned chalice inherited by Kamala Harris? Chief Investment Strategist at Investec Wealth & Investment International examines the role of inflation and economic performance in deciding the outcomes of US presidential elections over the years. Investec Focus Radio SA

The US labour market points to further rate cuts. Chris Holdsworth, Chief Investment Strategist at Investec Wealth & Investment International, also discusses expected cuts in the Eurozone and UK, while Japanese rates are set to rise, leading to convergence among the world’s leading developed markets. Investec Focus Radio SA

Join Investec CEOs, Cumesh Moodliar (SA) and Ruth Leas (UK), as they share their key insights from the recent IMF and World Bank meetings in Washington. In the latest episode of No Ordinary Wednesday, they highlight the economic policies and market trends poised to influence investors and markets around the globe. Listen here: Podcast key moments: 00:00 – Introduction 01:10 – Why the annual Investec IMF Breakfast event? 02:08 – What concerns global investors and financiers in 2024? 03:50 – What could derail global growth prospects? 05:15 – With cooling inflation and easing monetary policy, are markets in a stronger position? 07:31 – What message did SARB Governor Lesetja Kganyago have for the global banking community about South Africa? 09:32 – What concerns did the global finance community have about South Africa? 11:26 - How closely are financial institutions and global markets monitoring fiscal policy worldwide? 13:41 – Insights on UK economy 16:00 – What is the investor sentiment towards South Africa? 19:36 – Is this a turning point for South Africa’s economy? 21:00 – 2025 global economic outlook Read more on www.investec.com/now Hosted by seasoned broadcaster, Jeremy Maggs, the No Ordinary Wednesday podcast unpacks the latest economic, business and political news in South Africa, with an all-star cast of investment and wealth managers, economists and financial planners from Investec. Listen in every second Wednesday for an in-depth look at what's moving markets, shaping the economy, and changing the game for your wallet and your business. Investec Focus Radio SA

In this episode, we explore the future of sustainable, green homes and energy independence with insights from industry experts, Claudia Thompson, Sustainable Solutions Product Owner at Investec, Anastasia Delis, Soly Representative Managing Global Partnerships, and Mzwakhe Mntambo from Burgess Plumbing, who share their knowledge on how solar energy, water management, and smart technology are transforming properties into eco-friendly homes. Whether you're a homeowner looking to boost sustainability at home or a business owner aiming for energy efficiency, this episode offers practical guidance on navigating the evolving world of sustainable energy. Tune in to gain insights into the short- and long-term benefits of sustainability, from cost savings and increased energy independence to environmental responsibility. Everything Counts is a new bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help listeners improve their financial well-being. Key moments: 00:00 Introduction: The rise of sustainable living in South Africa 01:00 Trends in home sustainability: Local and international perspectives 03:00 The shift towards solar energy and backup water systems 06:00 How to be more sustainable at home - simple steps 08:00 The role of technology in managing home energy 10:00 Recycling and sustainable practices for homes 12:00 Understanding costs and financing for sustainable solutions 14:00 Choosing the right installer and avoiding common mistakes 17:48 Heat pumps and geysers 18:00 Sustainability considerations when buying property 22:00 Renewable energy finance 26:00 Predictions for the future of sustainability 28:00 The evolution of financial products to meet the increasing needs of sustainable assets YOU MIGHT ALSO BE INTERESTED IN: Investec Private Home Loan No two individuals are the same. That’s why Investec will structure your home loan according to your needs and you'll benefit from market-leading interest rates. From application to approval and registration, your Private Banker will help you every step of the way. To find out more about the Investec Private Home Loan, visit our website and if you’re an Investec client, get in touch with your Private Banker. Investec Sustainable Financing Ideal for family homes, apartments, rental properties, or holiday homes. Investec offers innovative and flexible sustainability finance for your property. The process is quick and efficient, and you'll be up and running in no time. To find out more about investec Sustainable Solutions, visit www.investec.com. If you're an Investec client, get in touch with your private banker. Investec Bank Limited is a licensed FSP. Terms and conditions apply. Investec Focus Radio · Investec Private Home Loan · Investec Sustainable Solutions

The IMF has warned that global public debt will exceed $100 trillion by the end of the year, highlighting soaring fiscal deficits in the US and China. In his latest Macro Monday update, Chris Holdsworth, Chief Investment Strategist at Investec Wealth & Investment International, examines this and other key themes from last week’s 2024 IMF/World Bank Annual Meetings in Washington. He also looks at the latest economic indicators that show a slight recovery in US consumer confidence and highlights a moderately positive US reporting season. Turning to South Africa, Holdsworth unpacks the latest inflation figures that show a steady decline. Investec Focus Radio SA

While betting markets currently show Trump in the lead, Chris Holdsworth, Chief Investment Strategist at Investec Wealth & Investment International, believes the US election remains too close to call. In this edition of Macro Monday, he explores research on the implications of a win for either candidate on US growth and inflation. Other topics include insights on the latest US economic indicators, interest rate cuts by the European Central Bank, unexpectedly strong Chinese growth, and an anticipated decline in oil prices. Investec Focus Radio SA

A rerating of SA sovereign bond yields, a stronger ZAR, and sidestepping a fiscal slippage, have sparked optimism for a healthier national balance sheet. But structural challenges persist, impeding the potential for growth. In the latest episode of the No Ordinary Wednesday podcast, Investec Chief Economist Annabel Bishop and Treasury Economist Tertia Jacobs discuss the Finance Minister's priorities ahead of the mini budget on 30 October. Podcast key moments: 00:00 – Introduction 01:24 - Under what macroeconomic conditions will the minister deliver the midterm budget speech? 02:44 - Is South Africa in a much better macroeconomic position going into Q4? 03:22 – Is the budget deficit narrowing? 04:09 – Is South Africa managing debt better? 05:26 – What are the risks to consider? 07:21 – What does fiscal consolidation look like for the country? 09:12 – Any tax announcements expected? 10:49 – What do you expect on inflation targeting? 13:07 - What are some of the key developments that have transpired between February 2024 the upcoming October MTBPS? 14:08 - What are the implications of the rerating of the country risk premium and appreciation of the rand on the balance sheet? 15:15 - Following the review of the public-private partnerships, what are you expecting from the minister on October 30? 17:20 - Some conditional debt relief for municipalities was announced by the minister in February, do you think there will be more relief? 19:36 - Is the minister reining in the spending? 21:14 – Revenue forecast Read more on www.investec.com/now Hosted by seasoned broadcaster, Jeremy Maggs, the No Ordinary Wednesday podcast unpacks the latest economic, business and political news in South Africa, with an all-star cast of investment and wealth managers, economists and financial planners from Investec. Listen in every second Wednesday for an in-depth look at what's moving markets, shaping the economy, and changing the game for your wallet and your business. Investec Focus Radio SA

In this episode of Everything Counts, we discuss retirement planning and saving for your future self. Host Motheo Khoaripe is joined by Kate Robson (co-head of Investec My Investments) and Kgomotso Motloung (Investec financial adviser). The conversation covers setting retirement goals, calculating how much you’ll need, and avoiding common financial mistakes. Whether you’re in your 30s or nearing retirement, this episode offers valuable insights on how to prepare for a financially secure future. Everything Counts is a podcast series dedicated to exploring the ins and outs of personal finance. Hosted by 702's Motheo Khoaripe, each episode brings together financial experts to tackle crucial topics like saving, debt management, investing, and smart financial habits. The goal is to empower listeners with the knowledge and tools they need to achieve financial wellness. #RetirementPlanning #FinancialWellness #InvestSmart #SavingForTheFuture #InvestecPodcast #EverythingCounts #RetirementSavings #MoneyMatters #FinancialAdvice Key moments: 00:00 Introduction 01:20 Where to start with retirement planning 04:00 Calculating replacement ratios for retirement 05:36 The impact of inflation on your savings 06:47 Tactics to set you up for a comfortable retirement 10:58 Time as a key asset in retirement planning 11:17 Different retirement savings products explained 12:18 Should you cash out your pension fund when switching jobs? 17:33 Mistakes to avoid when reaching retirement 18:32 The benefits of living annuities and other preservation options You may be interested in: As an Investec client, you have access to a dedicated Investec financial adviser for your life insurance and investment needs. Our advisers provide objective advice with no additional fees or commissions. Ensuring transparency and trust. Experience clear, unbiased advice with your trusted financial partner. Investec Focus Radio · Listen to the full series

In this week’s Macro Monday update, Chris Holdsworth, Chief Investment Strategist of Investec Wealth & Investment International, looks at what a Trump vs Harris win would mean for the US economy. He also comments on a slightly more hawkish tone from the latest FOMC, with the market now pricing in a 90% chance of a 25bp cut in November. Despite this, the S&P 500 closed at a record high on Friday. In South Africa, SOE performance is slowly grinding upwards, says Holdsworth, suggesting further upside to SA business confidence. Investec Focus Radio SA

The US economy has received a significant boost as Nonfarm Payrolls – a key indicator of job creation measuring employment in non-agricultural sectors – have surpassed expectations. Chris Holdsworth, Chief Investment Strategist, Investec Wealth & Investment International, shares his insights on the US economy, and looks at a gradual slowdown in global growth and South Africa’s strong income growth. Investec Focus Radio SA

Cyber-attacks have crippled businesses and institutions, drained public money and compromised individuals. So, in 2024, what are the biggest cyber threats to businesses and individuals? And what are the top risk mitigation strategies to consider? In this episode, Jeremy Maggs and guests, Investec’s head of information security and governance in South Africa, Noma Hlazo, and her UK counterpart Tash van den Heever, the latest trends and how to keep yourself and your business safe from attacks. Hosted by seasoned broadcaster, Jeremy Maggs, the No Ordinary Wednesday podcast unpacks the latest economic, business and political news in South Africa, with an all-star cast of investment and wealth managers, economists and financial planners from Investec. Listen in every second Wednesday for an in-depth look at what's moving markets, shaping the economy, and changing the game for your wallet and your business. Podcast key moments: 00:00 – Introduction 01:26 – Are cyber-attacks increasing in South Africa? 02:08 – What are the top cyber security threats in South Africa in 2024? 03:15 – What are the common types of cybersecurity threats globally? 04:10 – How are deepfakes impacting businesses? 04:57 – What’s driving the steep increase in cyber-attacks? 05:35 – Are regulatory frameworks and IT systems in the financial industry keeping up with the rapid evolution of cyber-attacks? 07:26 – What are the most pressing cybersecurity threats that businesses need to be guarding against? 08:35 – How should businesses counter cybersecurity risks? 10:01 – How are individuals being targeted by cyber criminals? 11:06 – How should individuals protect themselves from cyber criminals? 12:06 – What are the biggest cybersecurity trends of 2024? And how are they changing the industry? 14:06 – What new or emerging technology do you think will strengthen cybersecurity systems in the next few years? Read more on www.investec.com/now Investec Focus Radio SA

In this episode, we explore the newly implemented two-pot retirement system in South Africa. Our expert guests, Kate Robson (co-head of Investec My Investments), Nicolette Mashile (Financial Bunny), and Siphithi Sibeko (media spokesperson at SARS), unravel the complexities surrounding retirement savings. They discuss the implications of withdrawals, the importance of long-term savings, and unpack the tax considerations. Whether you’re approaching retirement or just beginning to save, this episode offers crucial insights to empower your financial journey. Everything Counts is a podcast series dedicated to exploring the ins and outs of personal finance. Hosted by 702's Motheo Khoaripe, each episode brings together financial experts to tackle crucial topics like saving, debt management, investing, and smart financial habits. The goal is to empower listeners with the knowledge and tools they need to achieve financial wellness. KEY MOMENTS: 00:00 Introduction 01:30 Why was the two-pot retirement system introduced? 03:30 What is the two-pot retirement system? 05:30 What is the conversation around the two-pot retirement system? 08:45 SARS and the two-pot retirement system 10:45 Tax implications of withdrawing from your savings pot 15:30 Hidden fees in withdrawals from your savings pot 18:20 Case study: Nkosi’s story 24:00 Understanding your own personal finance 26:00 Importance of a financial adviser 27:00 Understanding retirement savings Investec Focus Radio SA

There has been a strong and swift reaction to last week's stimulus package by Chinese authorities, including equities and commodities. Investec Wealth & Investment Chris Holdsworth Chris Holdsworth looks at the implications. Investec Focus Radio SA

What did the Fed see when it decided to cut rates by half a percentage point? Chief Investment Strategist at Investec Wealth & Investment Chris Holdsworth looks at last week’s interest rate decisions by the Fed and by the SA Reserve Bank. Investec Focus Radio SA

As central bankers worldwide shift towards easing monetary policies, what kind of rate-cutting cycle are we entering? In the latest episode of No Ordinary Wednesday, Investec Treasury Economist Tertia Jacobs shares her expert insights on the factors that will the trajectory of interest rates in the coming months. 00:00 – Introduction 01:35 – What factors will influence the pace of interest rates cuts in the US? 03:10 – What will the SARB contend with in determining the trajectory of rate cuts? 04:42 – What do you expect, big cuts upfront or more gradual? 05:46 – What would be the impact of a front-loaded approach? 06:52 – Inflation outlook 08:34 – What pace of interest rates cut are you expecting for other developed markets? 10:00 – What are your expectations for other emerging markets? 11:20 – What’s driving the bond market in SA? 12:27 – How will rate cuts impact government bonds? 13:10 – Fiscal consolidation in South Africa 14:40 – GDP outlook Hosted by seasoned broadcaster, Jeremy Maggs, the No Ordinary Wednesday podcast unpacks the latest economic, business and political news in South Africa, with an all-star cast of investment and wealth managers, economists and financial planners from Investec. Listen in every second Wednesday for an in-depth look at what's moving markets, shaping the economy, and changing the game for your wallet and your business. Read more on www.investec.com/now Investec Focus Radio SA

In this episode of Everything Counts, we explore the financial and practical considerations of buying property for resale or as a holiday home. Motheo Khoaripe is joined by experts Keshnie July (Lending Product Owner at Investec), Hayley Ivins-Downs (Managing Executive for Real Estate at Lightstone Property), and Tsholofelo Mokoma (Property Practitioner at RE/MAX Horizon). They discuss the pros and cons, trends, and hidden costs of owning a second property. Whether you're an investor or considering a holiday home for leisure, this episode is packed with insights on market trends, legalities, financing, and tips to protect your investment. Key moments: 00:00 Introduction: Investing in a second property 01:00 Property ownership trends in South Africa 02:00 Renting vs holiday homes: Key trends 03:00 Financial impact of interest rates on rental properties 05:00 Location considerations for rental or holiday homes 07:00 Hidden costs of owning a second property 08:00 Legalities: What to ask your agent 10:00 Managing rental properties: Contracts and agreements 12:00 How to know if you're ready for a second property 12:30 Role of the bank and financing options Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. YOU MAY ALSO BE INTERESTED IN: Investec Private Home Loan No two individuals are the same. That’s why Investec will structure your home loan according to your needs and you'll benefit from market-leading interest rates. From application to approval and registration, your Private Banker will help you every step of the way. To find out more about the Investec Private Home Loan, visit our website and if you’re an Investec client, get in touch with your Private Banker. Investec Bank Limited is a licensed FSP. Terms and conditions apply. Investec Focus Radio SA

Investec’s Global Investment Strategy Group has kept its risk score at -1. Chief Investment Strategist at Investec Wealth & Investment Chris Holdsworth looks at the reasoning, against a backdrop of a likely cut in interest rates by the Fed later this week. Investec Focus Radio SA

The US doesn’t appear to be in a recession yet. Nonetheless, markets are pricing in aggressive rate cuts in the year ahead in the US, as they are in Europe. Chief Investment Strategist at Investec Wealth & Investment Chris Holdsworth examines the implications. Investec Focus Radio SA

Given the lack of global ESG standardisation and its politicisation, how should investors approach responsible investing and measure its impact? Investec Wealth & Investment International has launched a comprehensive guidebook on the topic. In the latest episode of the No Ordinary Wednesday podcast, Jeremy Maggs speaks to the authors, Boipelo Rabothata, ESG Specialist and Co-Fund Manager of the Investec Global Sustainable Equity Fund and Maxine Gray, Business Strategist at Investec Wealth & Investment International. Hosted by seasoned broadcaster, Jeremy Maggs, the No Ordinary Wednesday podcast unpacks the latest economic, business and political news in South Africa, with an all-star cast of investment and wealth managers, economists and financial planners from Investec. Listen in every second Wednesday for an in-depth look at what's moving markets, shaping the economy, and changing the game for your wallet and your business. Read more on www.investec.com/now No Ordinary Wednesday with Jeremy Maggs · Investec Focus Radio SA

In this episode of Everything Counts, we dive into the essential considerations when buying property in South Africa. Join Motheo Khoaripe as he hosts Keshni July, Lending Product Owner at Investec, and Tsholofelo Mokoma, Property Practitioner at Re/max Horizon. Together, they unpack the step-by-step process, from getting pre-approved to closing the deal on your dream home. Whether you're a first-time home buyer, upgrading from your current home, or downscaling, this episode provides valuable insights to help you make informed decisions. Don't miss out on expert guidance that will make your property-buying journey smoother and more successful! Key Moments: 00:00 Introduction to the Episode: What to consider when buying property 00:55 Why pre-approval is Important for homebuyers 02:45 Choosing the right property practitioner 03:35 Additional costs to budget for when buying property 05:20 Understanding affordability and setting realistic expectations 07:00 The impact of interest rates on property purchases 09:00 Preparing for property investment at different life stages 13:00 Step-by-step guide to making an offer and closing the deal 16:00. The importance of home inspections 18:00 Final steps: transfer, bond registration and moving In Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. YOU MAY ALSO BE INTERESTED IN: Investec Private Home Loan No two individuals are the same. That’s why Investec will structure your home loan according to your needs and you'll benefit from market-leading interest rates. From application to approval and registration, your Private Banker will help you every step of the way. To find out more about the Investec Private Home Loan, visit our website and if you’re an Investec client, get in touch with your Private Banker. Investec Bank Limited is a licensed FSP. Terms and conditions apply. Find out more about the Investec Private Home Loan · Full article · Listen to the full series · Investec Focus Radio SA

US growth has been strong, in contrast with the rest of the world. Chief Investment Strategist at Investec Wealth & Investment looks at reasons to expect a sizeable downward revision to US GDP at some point. Investec Focus Radio SA

The Fed has sent a clear message that interest rates are on their way down. Chief Investment Strategist at Investec Wealth & Investment discusses expectations. Investec Focus Radio SA

The race for the White House is heating up with US political uncertainty sending ripples around the world. What does this mean for the bond market? Get the expert view in the latest episode of the No Ordinary Wednesday podcast with Annelise Peers, Chief Investment Officer at Investec Bank Switzerland, and Awongiwe Booi, Fixed Income Analyst at Investec Investment Management, South Africa. Investec Focus Radio SA

The rise in inflation globally has forced many central banks in leading economies to increase interest rates. Locally, the South African Reserve Bank has raised rates to 15-year highs since it began tightening policy in November 2021. As market dynamics shift and economic uncertainties loom, this week’s insightful episode explores whether property is still a good investment. Motheo Khoaripe hosts Keshnie July, lending product owner at Investec, Hayley Ivins-Downes, Managing Executive for Real Estate at Lightstone Property, and Tsholofelo Mokoma, property practitioner at RE/MAX Horizon, to provide listeners with a comprehensive analysis of the current property landscape. They discuss the factors influencing property values, the impact of interest rates, and whether property still holds its place as a cornerstone of wealth-building strategies. This podcast is ideal for individuals interested in property investment, whether they are first-time buyers, experienced investors, or simply looking for expert opinions on the current property market. It caters to those who want to understand the impact of rising interest rates, market conditions, and regional trends on property investment decisions. Key moments: 00:00 Introduction 01:45 Is property still a good investment today? 03:47 Property price index 05:53 What to consider when purchasing a property? 07:09 Property investment landscape in South Africa by region 09:20 What are South Africans looking for in neighbourhoods to buy in? 10:26 How do interest rates impact property investment decisions? 12:03 Property trends in South Africa 2024 16:12 Rental vs purchase Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. YOU MAY ALSO BE INTERESTED IN: Investec Private Home Loan No two individuals are the same. That’s why Investec will structure your home loan according to your needs and you'll benefit from market-leading interest rates. From application to approval and registration, your Private Banker will help you every step of the way. To find out more about the Investec Private Home Loan, visit our website and if you’re an Investec client, get in touch with your Private Banker. Investec Bank Limited is a licensed FSP. Terms and conditions apply. Investec Focus Radio · Investec Private Home Loan · Full article

This week Chris Holdsworth, Chief Investment Strategist at Investec Wealth & Investment, looks at data from across the world, interest rates expectations in the US, and the latest China economic data. Investec Focus Radio SA

From tightening credit conditions to a high budget deficit, there are concerns about the US economy, says Chris Holdsworth, Chief Investment Strategist, Investec Wealth & Investment. Investec Focus Radio SA

Fears of a US recession have sent all major stock markets tumbling after US jobs market data came in lower than expected for the month of July. In this episode of No Ordinary Wednesday, host Jeremy Maggs asks Investec Chief Economist Annabel Bishop whether the Federal Reserve has left it too late to begin cutting interest rates. They also look at what this all means for the Rand. Key podcast moments: 00:00 - Intro 01:00 - What's behind the global rout in stock markets? 02:56 - Chances of the Fed declaring an emergency interest rate cut in response to market turmoil 03:47 - Impact of stock market rout on the Rand 05:24 - Investec's latest inflation outlook for South Africa 07:21 - South Africa's GDP outlook 09:56 - Positive news for SA consumers 11:30 - Impact of the two-pot retirement system on consumers 12:57 - Impact of the two-pot retirement system on the economy 14:39 - Positive sentiment from foreign investors for SA bonds and equities 16:51 - Is the private sector going to start investing more in their operations? 18:56 - Gold market update 20:30 - Closing remarks Hosted by seasoned broadcaster, Jeremy Maggs, the No Ordinary Wednesday podcast unpacks the latest economic, business and political news in South Africa, with an all-star cast of investment and wealth managers, economists and financial planners from Investec. Listen in every second Wednesday for an in-depth look at what's moving markets, shaping the economy, and changing the game for your wallet and your business. Read more on www.investec.com/now Learn more · Investec Focus Radio SA

In this episode, Motheo Khoaripe dives deep into the financial dynamics that can make or break a relationship. Joined by financial consumer journalist, Maya Fisher-French and seasoned Investec financial advisor, Kgomotso Motloung, they explore how couples can navigate the often challenging conversations around money, financial planning, and shared goals. #RelationshipGoals #MoneyMatters #FinancialPlanning Tags: Relationships, Money Management, Financial Planning, Couples Finance, Podcast, Investec, Financial Wellness, Wealth Building Key Moments: 00:00 Introduction 01:00 How different financial values and goals can impact a relationship 02:38 Tips to identify the financial habits of a partner early in a relationship 03:59 What about your partner’s finances should you know upfront 06:46 The significance of marital regimes and their financial implications 10:06 Planning for unexpected life events like disability or retirement 12:19 Strategies for saving for children’s education without compromising other financial goals 18:15 Why it is important to consistently review your financial plans 19:02 The value of having a financial adviser: when you have extra cash/bonus/salary increase 20:03 Planning for death 22:33 Don’t be nervous about approaching a financial adviser 23:44 What are the warning signs that indicate you are not consulting the right financial adviser? This episode is a must-listen for couples at any stage in their relationship, offering actionable guidance to strengthen their financial partnership while navigating the complexities of shared finances. Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. Investec Focus Radio SA

Concerns about the health of the US economy have seen a sizeable pullback in global markets, says Chris Holdsworth, Chief Investment Strategist, Investec Wealth & Investment. Investec Focus Radio SA

Even with the positive surprise for both GDP and core PCE in the US, the market is pricing in a cut by the Federal Reserve in September, says Chris Holdsworth, Chief Investment Strategist for Investec Wealth & Investment. In this episode, he also looks at global currency moves and the latest South African inflation print. Investec Focus Radio SA

Self-directed or do-it-yourself investing and trading are on the rise globally. Tinus Rautenbach, head of Investec’s new online trading platform Clarity, shares essential insights for individual investors looking to take control of their investment and trading portfolio. Learn more about Clarity · Investec Focus Radio SA

Are you a parent who wants to secure your child's education and future? Do you find it challenging to balance your financial well-being with providing for your kids? Well, we've got you covered! In this Savings Month-focused episode of Everything Counts, Motheo Khoaripe hosts parenting expert Nikki Bush and Investec Wealth Management specialist Kate Stannard, to delve into the world of money, savings, and raising financially savvy children. This episode is ideal for parents who want to strike a balance between providing for their children and securing their own financial future. We provide valuable insights and practical tips for parents who want to teach their children about money and savings. Key moments: 00:00 Introduction 01:33 The envelope system 04:55 When is the best time to teach your children about money? 05:30 Using the piggy bank system to teach your children about budgeting, saving and investing 07:03 How do you strike the perfect balance between investing in your kids' education and future, and investing to secure your wealth? 09:35 How do you structure your finances to save and invest for both yourself and your kids? 12:05 How do you strike the perfect balance between investing in your kids' education and ensuring your own peace of mind? 14:17 How do you make sure that your saving and investing efforts beat education inflation? 16:53 What products are great for when you are starting your saving and investing journey? 18:08 How to be a good money role model for your kids? 20:05 Are there alternative ways to save for your kids besides the traditional savings options? 20:44 Creative ways to get your kids to start saving and investing 22:05 What tax implications to consider when saving and investing for your kids 24:21 How do you teach kids the consequences of their financial decisions? Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. You might also be interested in: Investec My Investments Whether you're just starting or looking to enhance your wealth, Investec My Investments provides solutions tailored for you. Invest with as little as R1,000 per month and experience the benefit of Investec's global expertise. Chat to your Investec Financial Advisor today. Investec Bank Limited is a licensed FSP. T& Cs apply. SmartRate Plus 15-Day Notice Account | Investec There's a difference between having a dream and working towards a goal. Waiting for luck or making investments in you. There is a difference. Expect more than ordinary when you save in an Investec SmartRate Plus 15-day notice deposit. Earn 9. 06 percent annually effective, 8.7 percent nominal. Save with Investec from R100 000. Go to investec.com/smart. Investec is an authorised FSP. Terms and conditions apply. Investec My Investments · Investec savings accounts · Investec Focus Radio SA

By year-end, South Africa could have its most restrictive monetary policy in 19 years, if inflation continues to fall, says Chris Holdsworth, Chief Investment Strategist for Investec Wealth & Investment. On the US front, Donald Trump is still the favourite to win the presidential election, but the odds have narrowed after Joe Biden’s withdrawal from the race, he says. Investec Focus Radio SA

Chris Holdsworth, Investec Wealth & Investment's Chief Investment Strategist says he won't be surprised if the MPC cuts interest rates at their meeting this week. He also discusses the probability of Trump winning elections and looks at what's happening to global, US and Chinese inflation. Listen to earlier episodes · Investec Focus Radio SA

Investec’s Global Investment Strategy Group has increased South Africa’s risk score while maintaining a negative offshore stance. Join Chris Holdsworth, our Chief Investment Strategist, as he explains the rationale behind this positioning and shares his expectations of upside surprises in economic growth and earnings for SA Inc shares. Listen to the latest episode of Investec’s No Ordinary Wednesday podcast. Podcast key moments 00:00 – Introduction 01:17 – What’s behind Investec’s current global risk-off position 02:18 - What has the market priced in for the U.S? What indicators are you watching? 03:43 – How would a US slowdown impact the global economy? 04:14 – Disappointing economic data out of China, how concerned are you? 05:15 - What are the implications for the rest of the world should Chinese growth slow dramatically? 05:53 – Are we approaching a peak valuation in the U.S? 06:33 – What is the impact on global equities? 07:36 – How are markets responding to South Africa’s new administration? 09:10 - Do you expect structural reforms in South Africa to gather pace? 09:58 – Business confidence is still depressed, are you expecting an improvement? 10:51 – Opportunities for investors in South Africa 12:56 – SA economic growth outlook Hosted by seasoned broadcaster, Jeremy Maggs, the No Ordinary Wednesday podcast unpacks the latest economic, business and political news in South Africa, with an all-star cast of investment and wealth managers, economists and financial planners from Investec. Listen in every second Wednesday for an in-depth look at what's moving markets, shaping the economy, and changing the game for your wallet and your business. Read more on www.investec.com/now Investec Focus Radio SA

Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help listeners improve their financial well-being. In this episode, we explore the everyday challenges of saving money, especially when you get an unexpected bonus or tax refund. Motheo is joined by Investec’s Thabiso Masiela, co-head of My Investments and René Grobler, Head of Cash Investments, who help break down the differences between saving and investing. Whether you're just starting out or want to fine-tune your money habits, this episode is full of useful advice to help you build a healthier relationship with money. Tune in as we explore the reality of saving money in South Africa and give you tips to make sure your money works harder for you. Key moments 00:00 Introduction 01:30 When did you start saving money? 03:17 What’s the difference between saving and investing? 05:38 How do saving and investing strategies change over time? 08:10 What percentage of extra cash should you be saving? 10:24 Advice for saving and investing 14:46 How do you build a financial plan? 17:00 Advice for saving money and staying disciplined long-term 19:44 The value of saving for retirement 21:16 Saving and investing during times of uncertainty 23:21 Tips for saving money and investing You might also be interested in: Investec My Investments Whether you're just starting or looking to enhance your wealth, Investec My Investments provides solutions tailored for you. Invest with as little as R1,000 per month and experience the benefit of Investec's global expertise. Chat to your Investec Financial Advisor today. Investec Bank Limited is a licensed FSP. T& Cs apply. SmartRate Plus 15-Day Notice Account | Investec There's a difference between having a dream and working towards a goal. Waiting for luck or making investments in you. There is a difference. Expect more than ordinary when you save in an Investec SmartRate Plus 15-day notice deposit. Earn 9. 06 percent annually effective, 8.7 percent nominal. Save with Investec from R100 000. Go to investec.com/smart. Investec is an authorised FSP. Terms and conditions apply. Investec My Investments · Full article · Investec Focus Radio · SmartRate Plus 15-Day Notice Account | Investec

In this week's episode, Investec Wealth & Investment Chief Investment Strategist Chris discusses the latest PMI data and what that means for global growth, non-farm payroll print in the US and signs of inflation expectations moderating in SA. Investec Focus Radio SA

In this final episode of The Current, we revisit some of the highlights and reiterate the critical takeaways you need to know from the nine-part podcast series. From SA's solar boom to progress at Eskom, electric vehicles and how to finance energy infrastructure, this is a summation from 20 experts inside Investec and beyond. This series was hosted by Iman Rappetti- an award-winning journalist and author. 00:00: Intro 01:57: The consequences if SA doesn't transition 03:36: Clean energy's advantages 04:42: Diagnosing Eskom's woes 05:35: Private sector investment in energy: REIPP's success 06:52: The importance of unbundling Eskom 07:17: Eskom's turnaround 08:01: Phasing out of fossil fuels 09:40: Examining humanity's reliance on coal and oil 10:53: The mining sector's contribution to carbonisation 11:39: The opportunity of PGMs (platinum and palladium) 12:53: Battery innovation 13:42: Bringing nuclear into the future energy mix 14:04: A case for nuclear 15:05: Is the promise of hydrogen overstated? 16:46: Investec's Sustainable Solution offering 17:30: SA's solar awakening 18:38: Growth of solar in the commercial and industrial (C&I) space 19:40: Solar's appeal 20:22: Equitable access to renewable energy 21:23: Electricity 'feedback' schemes 22:34: Electric vehicles in SA 24:10: Interest in EVs on the up 25:06: EV's for business rental 26:12: Economics of clean energy too good to ignore 27:39: Africa's crucial role in the globe's energy transition 28:18: Barriers to energy infrastructure investment 28:52: The opportunity for Africa to leapfrog to green industrialisation 29:40: SA to benefit from regional energy demand 31:21: Export and credit agency finance to derisk 32:11: Example of export finance in action: Acre Investment Fund 33:10: Incorporating renewable energy into your investment portfolio 33:57: How to invest to do well, and do good 35:12: The energy transition is worth the turbulent journey 36:23: Concluding comments and thanks To find out about Investec's private client and business energy offering, visit: https://www.investec.com/en_za/borrow/finance-for-individuals/sustainable-solutions.html To find learn more about Investec's corporate and institutional energy offering, click: https://www.investec.com/en_za/investec-for-corporates/finance/energy-infrastructure.html Explore investing in the Global Sustainable Equity Fund here: https://www.investec.com/en_za/investment/invest-offshore/global-sustainable-equity-fund.html The Current podcast series | Ep 1 - 10 · Investec Focus Radio SA

In this week's episode, Investec Wealth & Investment Chief Investment Strategist Chris looks at elections in the US, disappointing data out of the country which suggests that growth expectations might be a little bit too high and some encouraging data out of South Africa. Investec Focus Radio SA

The market may be unpredictable, but your investment strategy doesn't have to be. Investec Investment Management experts Ebeth Van Heerden, Head of Investment Distribution & Intermediaries, and Paul McKeaveney, Portfolio Manager, share their insights on what approaches are winning, common mistakes investors make, and why staying the course is important. Podcast key moments 00:00 – Introduction 01:06 – Investing vs savings, what’s the difference? 02:56 – Why is investing so difficult? Why do you choose the right investment for your needs? 04:51 – The value of time 06:53 – Risk mitigation strategies 08:03 – Investment lessons from the past 10:00 – Common mistakes investors make in times of uncertainty 12:36 – Should we be putting more funds offshore, given headwinds facing South Africa? 13:57 – Buying into a concentrated index 15:34 – What does “invest and forget” mean? 17:09 – Active vs passive investment strategy 18:23 – Which asset classes are outperforming in 2024? 19:45 – Key factors investors should be thinking about today. Hosted by seasoned broadcaster, Jeremy Maggs, the No Ordinary Wednesday podcast unpacks the latest economic, business and political news in South Africa, with an all-star cast of investment and wealth managers, economists and financial planners from Investec. Listen in every second Wednesday for an in-depth look at what's moving markets, shaping the economy, and changing the game for your wallet and your business. Read more on www.investec.com/now No Ordinary Wednesday with Jeremy Maggs · Investec Focus Radio SA

Everything Counts is a podcast series dedicated to exploring the ins and outs of personal finance. Hosted by 702's Motheo Khoaripe, each episode brings together financial experts to tackle crucial topics like saving, debt management, investing, and smart financial habits. The goal is to empower listeners with the knowledge and tools they need to achieve financial wellness. In this episode, we explore the complex world of debt, credit scores, and financial management. Financial experts Kgomotso Motlaung, seasoned Investec financial advisor, and renowned consumer journalist Maya Fisher-French, join Motheo to discuss the temptation of over-borrowing, the importance of managing credit scores responsibly, and the pros and cons of debt consolidation. They also delve into the delicate balance between paying off debt and saving, sharing practical strategies like survival budgeting and the power of early investment. Whether you're struggling with debt, looking to improve your credit score, or seeking advice on how to balance saving with debt repayment, this episode offers valuable insights to help you navigate your financial journey. Tune in now and start taking control of your financial future. Skip ahead 00:00 Introduction 01:00 What is debt? 03:00 Good debt vs bad debt 04:10 The importance of having an emergency fund 06:00 How to get out of debt 07:15 Budgeting 09:20 Negotiating interest rates 11:00 What is a balloon payment? 12:00 Personal loans for debt 14:16 Knowing what you qualify for and what you can afford 16:38 Be aware of your credit score 20:30 Debt consolidation 22:57 Paying off debt vs saving 25:20 Survival budget You may be interested in: LifeStarter by Investec Life The life you’re working towards is anything but ordinary, that’s why we’ve designed extraordinary life insurance solutions to help you protect it. But we understand that managing competing responsibilities and financial pressures can feel like a balancing act. So, we’ve developed a product to kickstart your life insurance journey with us. Introducing LifeStarter by Investec Life. A complimentary life insurance package, made for you. LifeStarter by Investec Life · Investec Focus Radio

In this week's episode, Investec Wealth & Investment Chief Investment Strategist Chris Holdsworth discusses some disappointing data coming out of the US, concerning data out of China and reasons for optimism when it comes to SA Inc. Investec Focus Radio SA

Despite Africa having 60% of the best solar resources in the world, it only has 1% of installed solar PV capacity. And some 600 million people in Africa don't have access to energy- with detrimental developmental consequences. The need is huge, and so too is the opportunity to finance Africa’s renewable energy transition. Revego's CIO says the total investment for renewable energy in Sub-Saharan Africa for the next eight years could reach about 193 billion US dollars. In episode 9 of The Current, we discuss what needs to be done to mobilise the necessary capital to electrify Africa. Host, Iman Rappetti, is joined by Ana Hajduka Shields, CEO of Africa GreenCo, Ziyaad Sarang, Revego's CIO and Brian Irvine, Investec's global head of Export and Agency Finance. 00:00: Intro 02:25: Meet the guests 02:58: All the resources and so little power 05:25: What's the cause of Africa's energy deficit? 06:34: What's got in the way of investment in energy infrastructure? 07:44: Moving away from fossil fuels 08:26: Africa to leapfrog to green industrialisation 09:32: The "Beautiful convergence" of climate concerns, economics and energy efficiencies 11:19: Africa's riches need to be harnessed 12:19: Innovative financing: export finance credit agency 13:14: Acre Import Capital - A real-world example 16:24: Green bonds to build infrastructure 17:15: What about equity markets? 19:13: Education is a key factor to attract capital 22:30: Regional power pools and trading of energy 24:19: South Africa to benefit from cross-border trading 25:41: C&I project for commercial off-take 26:10: In crisis comes opportunity- 193bn dollars in opportunity This podcast was brought to you by Investec's Export and Agency Finance team to find out more click here: https://www.investec.com/en_za/investec-for-corporates/finance/export-and-agency-finance.html Investec Export and Agency finance · Investec Focus Radio SA

Despite some notable economic gains for South Africa, growth constraints persist. What does this mean for the second half of the year? Investec Chief Economist Annabel Bishop shares her projections for the next six months and highlights the key economic indicators to watch out for. Podcast key moments: 00:00 – Introduction 00:57 – Impact of elections on the rand, investor confidence and the economy 02:27 – GDP outlook for the rest of 2024 03:44 – Will the Purchase Manager's Index (PMI) improve? 05:10 – What will strengthen business confidence? 07:47 – Household finances remain restricted 09:04 – Inflation data positive for interest rates 10:45 – Impact of inflation on household finances 11:53 – Impact of global elections on South Africa 13:51 – Will South Africa’s 10-year benchmark bond recover? 16:19 – What are the key drivers of rand volatility? 17:40 – Key economic indicators to watch out for in the second half of 2024 Hosted by seasoned broadcaster, Jeremy Maggs, the No Ordinary Wednesday podcast unpacks the latest economic, business and political news in South Africa, with an all-star cast of investment and wealth managers, economists and financial planners from Investec. Listen in every second Wednesday for an in-depth look at what's moving markets, shaping the economy, and changing the game for your wallet and your business. Read more on www.investec.com/now Investec Focus Radio SA

Everything Counts is a new bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help listeners improve their financial well-being. In this episode, we dive into budgeting and discuss how to manage your money better. Our expert guests, seasoned Investec financial advisor Kgomotso Motlaung and leading financial consumer journalist Maya Fisher-French, share their insights on budgeting and offer practical tips to help you take control of your finances. Whether you're just starting out or looking to improve your budgeting skills, this episode will provide the guidance you need to achieve your financial goals. Tune in now and start making every penny count! Skip ahead 00: 00 Introduction 01:12 Maya’s budgeting story 03:12 Why is budgeting important to your financial wellness? 04:11 What are the characteristics of a good budget? 07:27 How important is discipline? 09:56 How important is having conversations with your family about your budget? 13:46 What portion of your income must you set aside to save? 15:49 How does your life stage determine your budget? 17:52 How can budgeting tools assist you? 18:47 How do you put aside money to splurge? 22:07 How do you make sure you keep to your budget? 24:11 What are some of the biggest mistakes people make when drawing up a budget? Full article · Investec Focus · Investec Focus Radio SA

In this week's episode, Investec Wealth & Investment Chief Investment Strategist Chris Holdsworth unpacks the latest global PMI print and what it means for the global growth, US employment, European Central Bank interest rates cut and South Africa’s latest GDP reading. Investec Focus Radio SA