Newsletter July 2025

Is There Ever Such a Thing as a “Normal” Stock Market?

There is no shortage of things for investors to worry about at the moment, and the rate at which markets have swung up and down this year shows just how much uncertainty there is. 

But how abnormal is what’s been happening? In this article, we explore whether there is even such a thing as “normal” market behaviour, and what all of this means for investors.

Read on for a much-needed dose of reassurance.

Estate Planning Hack: Unlocking the Power of Beneficiary Funds

What if we told you there was an innovative way to care for your kids after you die that doesn’t bother the taxman? 

When it comes to securing a child’s financial future after a parent passes away, beneficiary funds are South Africa’s hidden gem. Surprisingly underutilised, these funds offer a seamless, tax-free solution for caring for minors as they eliminate the hassle and high costs associated with traditional trusts.

Read on for the lowdown.

What Divorce Means for Your Pension

Divorce is rarely straightforward. When retirement savings are involved, the process can become even more complex. 

With South Africa’s new two-pot retirement system starting on 1 September 2024, understanding how pension interest is divided in a divorce is more important than ever. 

This guide will help you to make sense of the latest legislative updates, understand your rights, and avoid common pitfalls. 

Mid-Year Market Check-in: From Tariffs to the Brink of War and Back

The first half of 2025 has offered investors a masterclass in navigating market volatility for investors, against a backdrop of mindboggling US tariff decision-making and geopolitical bombshells. 

While stock markets may have plumbed unnerving fresh lows at times, the biggest financial market surprise is that they have ended the six-month period in pretty good shape.