Planning Topics
MTN South Africa, Investec and Electrum collaborate to introduce PayShap on MoMoMTN South Africa, in collaboration with Investec and Electrum, has announced that it is set to revolutionise mobile payments with the introduction of the PayShap solution on its MoMo platform.According to the group…
Debt-To-Income Ratio: The Lower the BetterBy: Wikus OlivierA Debt-To-Income (DTI) Ratio is the financial metric that compares your monthly debt payments to your income amount before deductions. It can show how much pressure your debt is adding to your monthly budget, and it is a handy calculation…
From South Africa’s bustling urban hubs to its rural heartlands, workers from across the rainbow nation are integral to driving the success of diverse sectors. As the country commemorates Workers’ Day, it’s important to recognise the dedication of employees in shaping and sustaining the country’s…
By: Hayley ParryFinancial illiteracy has been a problem in South Africa for many years, and if nothing is done, it will continue to be a burden for generations to come.According to a baseline survey on financial literacy by the Financial Sector Conduct Authority (FSCA), in partnership with the…
By Marius KempAccording to the latest crime statistics from the South African Police Service (SAPS) for October to December 2023, as many as 453 homes were burgled every day in South Africa – an increase of almost 7% since the previous period, demonstrating that this type of…
By Keith PeterWith the expected advent of the Two-Pot Retirement System in September 2024, South Africa stands on the brink of a significant overhaul in retirement savings. Yet, a recent Old Mutual survey reveals a concerning trend: half of the independent financial advisers who participated in the…
Dr Iqbal Survé, the chairperson of Independent Media and Sekunjalo, says in his experience of staving off bank account closures for the Sekunjalo group on the basis of reputational risk, the banks don’t care if allegations are true or not.This as there is currently no just nor equitable appeal…
Roger EskinaziTraders and investors must overcome many hurdles in order to succeed. Among the most common of these hurdles are emotional pitfalls, such as fear and greed, and behavioural shortcomings, such as impulsivity.Neuroeconomics – a relatively new discipline – may hold the key to…
By: Mikhail MotalaWe find that many investors conflate the issue of the prevailing economic environment with that of stock market returns. As with many things, however, the reality is often more complex. The broader economic context undoubtedly deserves consideration, but it should, in our view,…
As businesses and SMEs in South Africa navigate the complex landscape of financing options, there is often confusion surrounding the terms secured and unsecured lending.To shed light on this topic and empower entrepreneurs with knowledge, Geddes - specialists in secured business lending - provides…
South African financial markets have to weather the storm that has pounded them over the past two months. Equity prices, the rand exchange rate, and bonds recovered strongly, as commodities – especially precious metal prices – remained elevated. The absence of load shedding has also played a role.…
By Mamapudi NkgadimaIn the wake of Covid-19 and the accelerated digitisation of financial services, the gap between South Africans who have highly developed financial literacy and those with little or none has not just widened – it has taken on new dimensions.The consequences for South African…
Analyzing the market and more specifically its ups and downs is a great way to become better at trading. Since the emergence of trading, traders have invented different ways (often complex ones) of analyzing the markets and gaining an edge in order to make some profits. Candlestick patterns are a…
Members whose employers do not pay contributions to the pension fund have recourse to the Pension Funds Adjudicator, who can order employers to pay a member the benefits they are due, and this order can be executed by a sheriff of the court, according to the Pension Funds Adjudicator Muvhango…
By: Bronwin Human and Delano AbdollThe Department of Home Affairs’ (the DHA) recent amendments to Immigration Regulations are likely to spark controversy among South African taxpayers, especially expatriates working abroad, who are still diligently fulfilling their South African tax obligations.…
THE Special Investigating Unit (SIU) has found that more than R5 billion of the National Student Financial Aid Scheme’s (NSFAS’s) money was possibly allocated to students who did not qualify to be funded by the institution. Inefficiency and corruption do not get bigger than this. What a scandalous…
By: Henning HoltzhausenSouth African investors are increasingly diversifying their investment portfolios away from SA and into global markets. This shift is driven by the desire to access a broader investment universe and to diversify away from the challenges of the struggling local economy.…
DO YOU hodl Bitcoin in your portfolio? Yes, hodl. No, it’s not a typo. It’s an acronym that has become an accepted verb in the crypto investor’s lexicon. It stands for “hold on for dear life”.Hodling Bitcoin is like being on a roller-coaster ride without a safety harness. The cryptocurrency has…
Consumers can rest easier about the safety of their money after the South African Reserve Bank (SARB) yesterday launched the Corporation for Deposit Insurance (CODI) to safeguard depositors in case of bank failures.This as Bank Zero says the move is significant and will disrupt South African…
There is no need for South African consumers to ever feel the need to stash their cash under beds, or even couches, due to lack of trust in the South African banking system after the South African Reserve Bank (SARB) yesterday launched Corporation for Deposit Insurance (CODI) to safeguard…