المحتوى المقدم من Kaya 959. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Kaya 959 أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
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This is How She Did It with Bonnie Habyan: Top Women Podcast, Conversations for Women, GenX Women, MidLife Women on Claiming Success, Persistence, Resilience, Reinvention, and Finding Your Voice.
In Part 2 of this episode of "This is how SHE did it", Amanda Knox does the unthinkable: she meets her accuser face-to-face. Not for revenge—but to reclaim her agency. This bold move isn't about closure from someone else. It's about choosing to confront the story that was written for her—and rewriting it on her own terms. Amanda shares how this moment, years in the making, became a turning point. By walking into that room, grounded in truth and clarity, she stopped being the victim of a narrative and became the author of her own. This is how she took her power back—through presence, courage, and conscious choice. Her story is a masterclass in agency: not waiting to be freed, but choosing to be. About Amanda Knox Amanda Knox is an exoneree, journalist, public speaker, author of the New York Times best-selling memoir, Waiting to Be Heard , and host of the podcast Hard Knox. Her second book, FREE: My Search for Meaning came out in 2025. Between 2007 and 2015, she spent nearly four years in an Italian prison and eight years on trial for a murder she didn't commit. She has since become an advocate for criminal justice reform and media ethics. She sits on the advisory council for the Frederick Douglass Project for Justice , serves as an Innocence Network Ambassador and is on The Innocence Center Board of Directors. And she is the recipient of the 2024 Innocence Network Impact Award and the 2025 Catalyst of Change Award from the Washington Innocence Project.…
المحتوى المقدم من Kaya 959. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Kaya 959 أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
Join the host of Kaya Biz, Gugulethu Mfuphi, as she takes you on a journey about how you can secure your future, with Allan Gray. In a time when world economies are in a perpetual state of volatility, it is those who stay ahead of the curve and keep abreast with latest trends to respond to the tough economic challenges with sustainable strategies. Tune in, to find out how you can secure your investments, retirement annuity, personal savings and all your valuable assets.
المحتوى المقدم من Kaya 959. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Kaya 959 أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
Join the host of Kaya Biz, Gugulethu Mfuphi, as she takes you on a journey about how you can secure your future, with Allan Gray. In a time when world economies are in a perpetual state of volatility, it is those who stay ahead of the curve and keep abreast with latest trends to respond to the tough economic challenges with sustainable strategies. Tune in, to find out how you can secure your investments, retirement annuity, personal savings and all your valuable assets.
Guest – Radhesen Naidoo, joint head of Institutional Clients at Allan Gray A 25-year period of investing is a long time. To put this into context, if we cast our minds back 25 years, it was the beginning of the new millennium, we had just filed away Y2K crisis preparation plans, and we still watched the SABC news for world updates. Mission: Impossible 2 was the highest-grossing film of 2000 and technology investments were the fashion – as they are today. The turn of the century also marked the launch of the Allan Gray Stable Fund. Amid a turbulent and uncertain investment landscape, cautious investors often look to preserve capital while achieving above-inflation returns. Radhesen Naidoo, joint head of Institutional Clients at Allan Gray, joins Kaya Biz to discuss why a low-equity unit trust, like the Allan Gray Stable Fund, remains a sound solution for the cautious investor, especially within the current environment. Kaya 959 · Kaya 959…
For many South Africans, their retirement savings pot represents the biggest financial asset they hold. Employers have a duty to protect their employees’ financial interests and ensure that the choices made in relation to selecting the retirement funds in which their contributions will be invested are sound and can positively impact their long-term financial outcomes. Equally, employees also have a role to play in securing their financial futures by taking an interest in their retirement products and ensuring that they are on track to achieve a dignified retirement. Whether you’re an employee trying to make sense of your retirement fund or an employer wondering how to better support your team, this conversation is for you. Belinda Carbutt, investment specialist in the Group Savings and Investments team at Allan Gray, joins Kaya Biz to discuss the world of umbrella retirement funds and what employers and employees can do to get the most out of the product. Kaya 959 · Kaya 959…
Guest: Nomi Bodlani, head of Private and Direct Clients at Allan Gray. After a turbulent six months, investors could be forgiven for looking to eliminate risk altogether. But eliminating risk entirely is not possible (or a good idea): Successful long-term investing is about balancing the risk of loss and the risk of losing out. How can you assess whether your portfolios are resilient enough to weather periods of volatility and deliver outperformance over the long term? And, more importantly, how can you evaluate whether your investment manager is the right captain to navigate troubled waters? Kaya 959 · Kaya 959…
Guest - Mthobisi Mthimkhulu, Senior Manager for the Private and Direct Clients. Many investors underplay the importance of financial advice often to the detriment of the performance of their portfolios over time. A good, independent financial adviser can dramatically improve your financial outcomes by guiding your financial planning decisions over your investing journey, helping you avoid investing pitfalls and ensuring that you remain committed to your goals. Mthobisi Mthimkhulu, Senior Manager for the Private and Direct Clients, joins Kaya Biz to discuss why partnering with an independent financial adviser is key to conquering your investment goals and building long-term wealth Kaya 959 · Kaya 959…
GUEST - Tim Acker - Portfolio manager at Allan Gray With 2024 being an election year for almost half the world’s population, including South Africa, the US and the UK, many investors are worried about what the future holds and how it will affect their wealth. But the times we live in will always be uncertain and the trick is to remember many of the behavioural biases that erode wealth during periods of heightened risk. In times like these, we can improve our long-term investment outcomes by focusing our efforts on the things that stay the same, rather than the variables that are out of our control. Tim Acker, portfolio manager at Allan Gray, joins Kaya Biz to discuss lessons for investing through overwhelming uncertainty. Kaya 959…
GUEST - Meagan Fraser, Tax manager at Allan Gray One of the key benefits of investing for retirement using a retirement fund is the generous tax deduction taxpayers receive for saving towards their retirement. But is there any benefit in contributing beyond the maximum annual tax-deductible amount to a retirement fund? Meagan Fraser, tax manager at Allan Gray, joins Kaya Biz to unpack the tax benefits of retirement annuities and explains the pre- and post-retirement benefits of making excess contributions to your retirement fund savings. Kaya 959…
GUEST – Richard Carter - Head of Assurance at Allan Gray According to industry stats, the average South African retiree can replace just 31% of their monthly income when they reach retirement. Most income-earners face the very real risk of outliving their retirement nest egg. Richard Carter, head of Assurance at Allan Gray, joins Kaya Bizz to discuss how to plan for and achieve a sustainable retirement income. Kaya 959…
GUEST - Mthobisi Mthimkhulu - Direct Clients manager at Allan Gray In a world where instant gratification is king, it can be hard not to get distracted by the lure of short-term gains. But taking a long-term view of your investments and staying the course can give you the edge to achieve better investment returns over time. Kaya 959…
The end of the tax year in February presents an opportunity to evaluate the tax efficiency of your financial plan. With many competing financial priorities in the current economic climate, as well as the pending changes to the retirement fund system, you may be wondering whether maximising the annual tax incentives still makes sense. Discussion points: Why is it important to think about tax when you consider your financial plan? What are the tax benefits of saving for retirement using a retirement annuity? How do these compare to the tax benefits of investing in a tax-free investment product? What happens if we “overcontribute” towards our retirement savings in a year? How can we benefit from excess contributions? What practical things can we do to get our tax affairs in order? For Allan Gray clients, what are the cut-off dates for this tax year’s contributions? Lastly, the million-dollar question, what can we expect from the 2024 Budget speech? Kaya 959…
GUEST – Shaheed Mohamed, Head of Group Savings and Investments at Allan Gray School fee increases in South Africa have, on average, been roughly 2.6% above inflation every year since 2012, aside from 2021. In an environment of already high consumer inflation, this packs an extra punch. Many of us rely purely on our salaries to pay for our children’s education. We absorb the cost from month to month, tweaking our budgets to accommodate the ever-increasing expense. But the problem with this is that the cost of education typically grows at a higher rate than the average salary and inflation in general. Over time, this difference effectively means that a greater portion of your salary will have to be set aside for your children’s education. Shaheed Mohamed, head of Group Savings and Investments at Allan Gray, joins Kaya Biz to discuss the five factors to consider when investing to enable you to provide your children with a good quality education in the future. Kaya 959…
GUEST – Marise Bester, senior investment specialist at Allan Gray The first few weeks of a new year can feel like a clean slate and a good time to give our finances a fresh start. Research suggests that we are most motivated to achieve the goals we set when we action them at the start of a new period. Marise Bester, senior investment specialist at Allan Gray joins Kaya Bizz to discuss how to set achievable financial goals and shares tips for setting quarterly goals that encourage good financial habits. Kaya 959…
GUEST – Nomi Bodlani - Head of Direct Clients at Allan Gray Past performance is often the first and sometimes the only factor investors evaluate when choosing an investment manager. But as the disclaimer goes: ‘Past performance does not indicate future returns’. This is because there is simply no guarantee that performance can be replicated over the long term. Beyond performance, there are several other factors that work in tandem to produce investment returns that shouldn’t be overlooked. Nomi Bodlani, head of Direct Clients at Allan Gray, joins Kaya Biz to discuss the factors investors should consider when selecting an investment manager Kaya 959…
GUEST – Gladness Rupare – Investment specialist at Allan Gray The season of “irresistible” specials has officially kicked off and the temptation to overspend lies around just about every corner. In the hive of festive activity and faced with ‘deals that are too good to resist’, it’s easy to forget your financial goals and spend more than you planned. Practicing self-control and harnessing the willpower to subdue our impulses to spend are key to achieving our long-term savings and investment goals. Gladness Rupare, investment specialist at Allan Gray, joins Kaya Bizz to discuss how you can tame your festive season spending and keep your savings goals on track. Kaya 959…
GUEST – Lise-Mari Crafford, head of ManCo Distribution at Allan Gray In any period of change, like the current high inflationary environment escalating living costs across the board, we are forced to make adjustments to our finances. Not all adjustments are necessarily negative ones, and they can be leveraged to form new, positive habits that can help us achieve better financial planning outcomes over the long term. Lise-Mari Crafford, head of ManCo Distribution at Allan Gray, joins Kaya Bizz to discuss some of the positive changes you can apply right now to recalibrate your personal finances. Kaya 959…
GUEST - Tamryn Lamb, head of Retail at Allan Gray This year, as Allan Gray celebrates 50 years of long-term investing, its first unit trust, the Allan Gray Equity Fund celebrates its 25th anniversary. When the fund launched 25 years ago, Nelson Mandela was the president, financial markets faced a liquidity crisis after Russia unexpectedly defaulted on its foreign debt, the prime interest lending rate was 21.5%, a dollar cost R5.50 and it cost R126 to fill a 50-litre petrol tank. Though things have changed significantly since, the reality is that the year doesn’t stand out. At any given point in time, investors in equity markets have to contend with a range of challenges and market uncertainty, and weigh up various probabilities to produce the best possible outcomes. Tamryn Lamb, head of Retail at Allan Gray, joins Kaya Biz to reflect on some of the learnings over the last 25 years and to share some of the behaviours that help equity investors achieve better long-term outcomes. Kaya 959…
GUEST – Richard Carter, Head of Assurance at Allan Gray While South Africa’s retirement fund system has consistently produced inferior outcomes for savers, it is also ranked among the bottom 10 systems in the world. Savings leakages and low private pension fund participation are noted as the weak links dragging the overall system ratings down. Through retirement reform interventions like the two-pot retirement system, the government hopes to change investors’ savings behaviour and improve retirement outcomes over the long term. Richard Carter, head of Assurance at Allan Gray, joins kaya Biz to discuss the challenges and opportunities with South Africa’s retirement fund system and what can be done to encourage higher savings rates among investors. Kaya 959…
GUEST – Varshan Maharaj - Portfolio manager at Allan Gray One of the benefits that frontier markets offer South African investors is exposure to sectors that might not be available on the domestic stock market. Frontier markets can provide long-term investors with an exciting hunting ground for investment ideas, but being able to weigh-up the risks in these environments, is key to success. Allan Gray portfolio manager Varshan Maharaj joins Kaya Biz to unpack the frontier universe and discuss some of the pockets of opportunity for local investors looking to access sectors and companies that aren’t available on the JSE. Kaya 959…
In six months’ time, the proposed “two-pot” retirement system is set to launch in South Africa, and with it, retirement savers will be able to access a portion of their savings ahead of retirement. Resisting the temptation to dip our hands into the proverbial cookie jar may prove challenging for many, but understanding the short- and long-term impact of accessing the savings withdrawal benefit may help you think twice. Jaya Leibowitz, senior legal adviser at Allan Gray, joins Kaya Bizz to discuss the implications of not preserving the savings component of your retirement pot and the questions to consider before accessing your long-term savings. Kaya 959…
ALLAN GRAY – Key questions to help you prepare for a secure retirement GUEST - Mica Townsend - specialist in the Group Savings and Investments team at Allan Gray, While our personal circumstances may differ, as retirement savers, we share one common goal – to have saved enough to ensure that the income we receive in retirement is sustainable for life and keeps pace with inflation. The reality, however, is that less than 10% of South Africans can afford to retirement comfortably. As life expectancy rates continue to climb, it is even more critical to adequately plan for your retirement. There are several important questions to consider, both in the lead-up to and at retirement, which will influence whether you are able to retire comfortably. Mica Townsend, specialist in the Group Savings and Investments team at Allan Gray, joins Kaya Bizz to discuss key questions to consider to plan for a secure retirement. Kaya 959…
GUEST – Radhesen Naidoo - Joint head of Institutional Clients at Allan Gray In tennis, a match may last for two to three hours, and a tournament lasts for two weeks, but a career, multiple years. To play exceptionally well consistently is difficult. Similarly, many investment managers may achieve stellar investment returns over one quarter or a year, but over decades and through different market cycles, outperformance becomes challenging. An interesting aspect about professional sport is the margins by which you win. Being marginally better can translate into substantial advantages. In the world of long-term investing, every 1% return matters a great deal to your investment outcomes over time. Radhesen Naidoo, Joint head of Institutional Clients at Allan Gray, joins Kaya Biz to discuss why a difference of 1% is so meaningful to long-term investing success. Kaya 959…
GUEST – Saleem Sonday, head of Retail Distribution at Allan Gray When emotions get in the way of investing, it can lead to a shortfall in the returns an investor can earn. This is an example of how behaviour can get in the way of investors reaching their long-term investment goals. Another example is attempting to time the market by switching between funds at the wrong time. This is particularly prevalent during times of uncertainty, like we are currently experiencing, when the temptation to move to safety is heightened. But this can erode returns. Kaya 959…
GUEST – Earl Van Zyl - Head of Retail Product Development at Allan Gray Achieving long-term investment success is simple… But not easy. It demands unwavering determination to stick to your investment strategy and stay committed, even during turbulent times. This is the view of Earl Van Zyl, head of Retail Product Development at Allan Gray, who says that investing for real returns should be top of mind for all long-term investors, throughout their investing journey. But what does this mean? Earl discusses his three golden rules. Kaya 959…
GUEST – Meagan Fraser, tax specialist at Allan Gray The income tax season is officially open. As a taxpayer, understanding what your filing obligations are is crucial to ensuring that you remain tax compliant. During this tax season, the South African Revenue Service is once again making use of the auto-assessment process, but a few things have changed. Meagan Fraser, tax specialist at Allan Gray, joins Kaya Biz to discuss everything you need to know about filing an income tax return this year Kaya 959…
GUEST – Mthobisi Mthimkhulu, Direct Clients manager at Allan Gray As long-term investors, we often say that there is no such thing as a free lunch: Performance is seldom delivered in a straight line, get-rich-quick schemes usually end in disappointment, and building long-term wealth takes time. This means that long-term investors must exercise patience, have conviction in their investment strategies, and apply a consistent approach in order to meet their investment objectives. This is also true of tax-free investment (TFI) products: The real benefits are derived over longer periods of time. Mthobisi Mthimkhulu, Direct Clients manager at Allan Gray, joins Kaya Biz to discuss tax-free investment accounts and how to maximise the benefits they offer. Kaya 959…
GUEST – Nomi Bodlani, head of Direct Clients at Allan Gray In the world of investing, like so many facets of life, the decisions you make today will impact your financial wellbeing in the long term – for better or worse. The secret to successful investing lies in your ability to make well-informed decisions and to stay committed long enough to reap the rewards. Nomi Bodlani, head of Direct Clients at Allan Gray, joins Kaya Biz to discuss financial principles to master at the start of your investment journey that can help set you up for financial success in the future. Kaya 959…
GUEST – Mica Townsend, specialist in the Group Savings and Investments team at Allan Gray There has been a drive from single employer standalone funds to multi-employer umbrella funds, with the number of standalone funds dropping significantly from 774 in 2015 to 398 in 2022. The shift has largely been driven by the authorities to encourage consolidation within the industry to reduce costs and improve the service offering, as well as by employers to simplify the regulatory burdens of operating a retirement fund. Below we dispel some of the fears employers may have in moving to an umbrella fund. Kaya 959…
GUEST – Marise Bester - Investment specialist at Allan Gray While equity markets are volatile and can underperform cash and bonds over shorter periods, over the long term, investors are compensated for this volatility with substantially higher returns. Equities play an important role in any multi-asset class portfolio – including those of risk-averse investors who seek long-term real growth, but also need to protect the purchasing power of their investment. But how much equity exposure is enough, and how can investors balance the risk-return aspect of their portfolios? A low-equity unit trust can offer a solution. Marise Bester, investment specialist at Allan Gray, joins Kaya Biz to discuss why a low-equity unit trust like a stable fund can offer a solution for the cautious investor. Kaya 959…
GUEST – Tim Acker, portfolio manager at Allan Gray Summary: As inflation in developed markets remains at elevated levels, interest rate increases have become a pressing issue. There is much debate on whether higher rates will lead to a slowdown significant enough to tip the global economy into recession. Either way, the repricing of risk and liquidity will eventually find its way into the real economy. Against this, how should equity investors consider positioning their portfolios to benefit from the current environment? Tim Acker, portfolio manager at Allan Gray, joins Kaya Biz to discuss the global risks that currently exist and why local opportunities are more attractive at present. Kaya 959…
GUEST – Thalia Petousis - Portfolio manager at Allan Gray The South African money market is fast becoming a saver’s haven. The overnight repo rate of 7.75% as at end-March reached its highest level in almost 14 years. The extent to which the South African Reserve Bank will keep hiking interest rates will depend on how confident it is that consumer price inflation is moving closer to the 4.5% target. As the impact of loadshedding bleeds into an elevated cost of production and wreaks havoc on food retailers’ business operations, the rate at which food inflation is rising is cause for concern. Kaya 959…
GUEST – Gladness Rupare - Investment specialist at Allan Gray The New York Times recently reported that a growing number of workers are getting access to a new job benefit: help with saving for unexpected expenses. The financial stress on workers brought about by both the pandemic and rising inflation, as well as employers’ need to attract employees in a competitive job market, is making rainy-day savings a hot job perk, with companies like Starbucks announcing emergency savings options for workers. But if you don’t have access to such a perk, what is the best way to plan for an emergency fund? How much should you set aside, and how can you ensure your money grows in a high inflationary environment? Kaya 959…
GUEST – Nomi Bodlani, Head of Direct Clients at Allan Gray When it comes to investing, most of us have good intentions, but the temptation to overspend often holds us back from achieving our financial goals. Understanding your environment and how it shapes your financial behaviour can help pave the way for making better decisions. Nomi Bodlani, head of Direct Clients at Allan Gray, joins Kaya Biz to discuss how our environment shapes our behaviour and shares tips to help investors pave the way for better decision-making. Kaya 959…
UEST – Thalia Petousis, Portfolio manager at Allan Gray South Africa appears to have taken a step back from a threatening fiscal cliff, with Finance Minister Enoch Godongwana delivering a Budget speech that he described as one focused on making “tough trade-offs in the interests of the country’s short- and long-term prosperity” and not austerity. With the dust settling on the 2023 Budget Speech, Thalia Petousis, portfolio manager at Allan Gray, joins Kaya Bizz to discuss the highlights from the Budget speech and whether the projections laid out for the country’s long-term finances and economic outlook are credible and can be delivered on Kaya 959…
Carla Rossouw, Head of Tax at Allan Gray Tax efficiency is a key aspect of a healthy financial plan. By making sure your tax affairs are in order, considering the tax implications of your investment decisions and maximising the tax benefits on offer, you can improve your financial outcomes. With the end of the current tax year approaching at the end of February, now is the time to take advantage of the tax benefits provided for through retirement products and tax-free investments. Carla Rossouw, head of Tax at Allan Gray joins Kaya Bizz to share some practical tips. kaya 959 · Kaya 959…
Mthobisi Mthimkhulu - Private Clients manager at Allan Gray talks about How do I overcome the barriers to investing? Not sure how to save money? Follow these five easy steps. Investing is not a complicated activity only for rich people. It’s a great way to create financial security and everyone – even you – should get started, sooner rather than later. The hardest part is overcoming the initial barriers to saving. Our excuses are our biggest barriers to saving While it may be really tough to make space in an already-stretched budget, taking small steps to develop a saving habit, and a lifestyle of saving, will make a big difference to your future. One way to get started is with a spending detox. A detox is a process followed over a period of time to rid your body of toxins. Likewise a spending detox will help you rid yourself of extravagant spending habits. We eat a lot of unhealthy food that we don’t need. Similarly, we spend money wastefully. In our instant gratification culture we get a rush out of spending. The spending detox is about getting control back by reining in this unnecessary spending and breaking the habit of swiping your card willy-nilly. The good news is we are not talking cold turkey here; rather a gradual change in attitude to the way you spend. kaya 959 · Kaya 959…
According to local data, parents can expect to pay between R2.5 million – R4 million to educate a child from primary school to tertiary level over the coming years. With the cost of education soaring, relying purely on your salary to finance your children’s education is becoming increasingly difficult. Kaya 959 · Kaya 959…
Major global events over the past three years have driven home an important life lesson: the need to expect, and plan for, the unexpected. When it comes to our personal finances, this means balancing the need to have some emergency cash available, with the need for earning inflation-beating returns over the long term. What is the best way to think about building your portfolio during times of extreme uncertainty? Cedrick Pila, IFA Distribution regional manager at Allan Gray, joins Kaya Bizz to discuss why a diversified portfolio protects long-term investors against uncertain outcomes. Kaya 959 · Kaya 959…
The stock market is a lot like the ocean, with rising tides, ebbs and flows. Navigating these choppy waters can be challenging without the guidance of a good independent financial adviser who can help long-term investors stay the course and avoid destructive behaviours that lock-in permanent losses. Ahead of World Financial Planning Day tomorrow (5 October 2022), Nomi Bodlani, head of Direct Clients at Allan Gray, joins Kaya Bizz to discuss why partnering with an independent financial adviser can improve your investment outcomes and build long-term wealth. Kaya 959…
With the cost of living escalating, inflation reaching all-time highs, rampant rolling blackouts, and the very real risk of the South African economy slipping into a recession, many investors may be left feeling less optimistic about their financial futures. It is easy to get bogged down by the current state of affairs, but as long-term investors, history reminds us that periods of strife often present new opportunities, and that is why being successful at investing requires a degree of optimism. Lise-Mari Crafford, head of ManCo Distribution at Allan Gray, joins Kaya Bizz to explain why being optimistic about our personal finances matters, and how we can find optimism when the world is a mess. Kaya 959 · Kaya 959…
Many investors overlook the importance of estate planning when thinking about their broader financial planning. Neglecting to think about what will happen to our assets when we are gone can have disastrous consequences for our loved ones, particularly if they are minors and dependent on us. Next week is National Wills Week, which is a good prompt to get your affairs in order. Nishaat Limbada, head of Group Compliance at Allan Gray, joins Kaya Biz to discuss the importance of estate planning and thinking about what will happen to your assets, including your investments, when you pass on. Kaya 959 · Kaya 959…
Most of us know what it means to build resilience in the context of health and wellness. But, what does it mean to be financially resilient? Building financial resilience can help investors manage the impact of rising inflation and interest rates. Cedrick Pila, IFA Distribution regional manager at Allan Gray, joins Kaya Bizz to provide insight into how long-term investors can build financial resilience. Kaya 959 · Kaya 959…
The uncertainty and prolonged financial distress brought about by the COVID-19 pandemic has led many investors to operate in survival mode and to prioritise their short-term needs, often at the expense of their longer-term financial interests. Marise Bester, ManCo specialist at Allan Gray, joins Kaya Bizz to discuss the idea of “cathedral thinking” and how it can be applied to help us achieve better investment outcomes in the long term. Kaya 959 Website · Kaya 959…
According to a recent retirement industry survey, the average South African retiree can replace just 31% of their monthly income when they reach retirement. Most income-earners face the very real risk of outliving their retirement nest egg. Saleem Sonday, head of Group Savings and Investments at Allan Gray, joins Kaya Biz to discuss how you can take proactive action now to prevent a financial day zero when you are no longer actively earning an income. Kaya 959 Website · Kaya 959…
With the end of the tax year approaching, now is the time to take advantage of the tax benefits made available through retirement products and tax-free investments. We are joined by Carrie Norden, senior tax specialist at Allan Gray, to tell us how we can make the most of tax benefits. Kaya 959 Website · Kaya 959…
The first few weeks of a new year can feel like a clean slate and a good time to give our finances a fresh start. Research suggests that we are most motivated to achieve the goals we set when we action them at the start of a new period – be it a new week, new month, new year or at a special occasion such as a birthday. This cognitive phenomenon is known as the “fresh start effect”. Allan Gray’s Nomi Bodlani joins Kaya Bizz to discuss ways we can leverage the “fresh start effect” to set achievable financial goals and promote aspirational behaviours. Kaya 959 Website · Kaya 959…
Netflix’s smash hit show Squid Game may not be for everyone due its shock factor and gruesome violence, but it is a relatable story that hits close to home for many over-indebted households. Allan Gray’s Cedrick Pila joins Kaya Bizz to share some of his favourite lessons from the series Kaya 959
Siyasanga Mlozana joins us to talk about how we can use our bonuses to give our retirement savings a much need boost. The new COVID-19 variant reminds us that we are not out of the woods just yet – even though some indicators suggest that our economic activity is showing encouraging signs of recovery. One thing the pandemic has taught us is that we should save for the future – and this rings true for our retirement saving too. Kaya 959…
After 18 months of lockdowns and the easing of travel restrictions, optimism is finally returning to many South Africans who have had to halt their dreams of dashing off to far-off destinations or taking a well-deserved break closer to home. If you are planning to travel, there are a number of important things to keep in mind to ensure that you don’t derail your long-term financial plans. Allan Gray’s Cedrick Pila joins us to tell us more. Kaya 959 Website · Kaya 959…
The market tends to proceed in a random fashion over the short term, but there are a few themes driving activity at present. Jacques Plaut, portfolio manager at Allan Gray, joins Kaya Biz to take us through some of the themes that local investors should keep an eye on. Kaya 959 Website · Kaya 959
The South African Revenue Service (SARS) continues to focus on introducing online and digital services, simplifying the tax-filing process, and making it easier for us as taxpayers to comply. Tax season is officially underway and filing returns provokes anxiety in many of us. Carla Rossouw, Tax lead at Allan Gray, joins Kaya Biz to help us figure out if we need to file a tax return and discusses how to go about it. Kayafm · Kaya 959…
Many of us are still reeling from the effects of COVID-19 on our lives, our health and even our investments. History reveals the only asset class that has consistently delivered returns in excess of inflation is equities. But after the rollercoaster ride of the past year, many investors are understandably feeling somewhat punch drunk, and are grappling with how to position their portfolios when they value both capital preservation and growth. With the continued uncertainty, it is tempting to switch in and out of investments as you try to chase the money, but this can lead to poor investment outcomes. Marise Bester, at Allan Gray, is here to share some thoughts. Kayafm · Kaya 959…
As a young professional, it is easy to get sucked into focusing on your career, the immediate needs of supporting a family, and working towards your various goals. As a result, we often overlook the importance of building a firm financial foundation that can sustain us through life’s various seasons and ensure that our needs are provided for in retirement. Phiko Peter, client relationship manager at Allan Gray, joins Kaya Bizz to share some ideas that should be implemented as soon as you start earning an income to ensure that you build a solid financial foundation. Kayafm · Kaya 959…
In recent years, social media platforms have become a popular source for personal finance information and advice – with users sharing tips on everything from the latest stocks to buy and products to consider, to behavioural hacks to help you manage your monthly budget and more. But can you trust everything you see online? The recent FinTok craze on TikTok has demonstrated how scammers and fraudsters take advantage of unsuspecting young investors who source financial advice online. Nomi Bodlani joins Kaya Bizz to discuss the dangers of taking financial advice from online social platforms and share some tips to help us scam-proof our investment decision-making. Kayafm · Kaya 959…
Lower interest rates are a life jacket for those who are in debt or paying off home loans, but they have negative consequences for savers. The repo rate is currently at 3.5%, the lowest in the country’s history, but with members of the South African Reserve Bank’s Monetary Policy Committee subtly altering their collective stance on rates at their March meeting, it’s worth asking “where to from here for rates and money market returns?” Thalia Petousis, portfolio manager at Allan Gray, joins Kaya Bizz to explain the current environment and how interest rates impact our returns Kayafm · Kaya 959…
Most of us are familiar with what inflation means for our pockets – we can all attest to how inflation has affected the cost of goods and services over time – but inflation also has numerous implications for the markets and our investments. A great reflation versus inflation debate dominated discourse in global fixed income markets during the first quarter of the year, and “where to from here for inflation?” seems to be a key question hanging over the markets. So, what is the difference between inflation and reflation, and how are your investments impacted? Londa Nxumalo, portfolio manager at Allan Gray, joins Kaya Bizz to explain it all. Kayafm · Kaya 959…
Although we all have different circumstances, we all want the income we receive in retirement to be sustainable for life and to be enough to maintain our standard of living. Ideally, we also want our income to keep pace with inflation each year. However, the reality is that less than 10% of South African retirees have saved enough money to retire comfortably. As life expectancy goes up, it is even more critical to plan for your retirement. There are several important questions to consider, both in the lead-up to and at retirement, which will influence whether you are able to retire comfortably. Marise Bester, specialist in the Retail Distribution team at Allan Gray, joins Kaya Bizz to help us tackle some key questions to help us prepare. Kayafm · Kaya 959…
Risk-averse investors fled the market in droves as the COVID-19 crisis hit, opting for the security of money markets, rather than suffering through the volatility. However, it seems the appetite for equities has returned now that the markets are flying. While this behavior is understandable, it is also counter-productive for long-term investors. Many who followed this pattern would have locked in losses and missed out on the recovery. Tim Acker, portfolio manager from Allan Gray, joins Kaya Bizz to discuss why investing in a low equity fund could be better than trying to time the market. Kayafm · Kaya 959…
The COVID-19 pandemic has sent global divorce rates soaring by up to 30% over the last year, adding to the life-altering trauma that many families have experienced as a result of the virus. Even though some estimates suggest that over 40% of marriages end in divorce, most couples aren’t prepared for the range of challenges that may arise when filing for divorce. In addition to its emotional impact, the decision to get a divorce often has significant long-term financial implications for both parties. Jaya Leibowitz, senior adviser at Allan Gray, joins Kaya Bizz to talk about what divorce means for your retirement savings. Kayafm · Kaya 959…
With thousands of investments to choose from, many investors unwittingly reduce their returns over time by switching in and out of investments, being swayed by the prevailing market sentiment and letting their emotions take over. Building wealth is a long-term endeavour and those who manage to do it successfully have mastered a number of key habits that set them apart. Nomi Bodlani, head of Strategic Markets at Allan Gray, joins us to share some of these habits and explain how we can adopt them to improve our own investment outcomes. Kayafm · Kaya 959…
Set against a backdrop of lower overall returns, it is important to ensure that you are incorporating tax-efficient strategies in your broader long-term financial plan which make the most of the existing vehicles and products on offer. Tamryn Lamb, head of Retail distribution at Allan Gray, joins Kaya Bizz to help us understand how to get the most out of our tax-free investment accounts – a timely message as we approach the end of the tax year approaches. Kayafm · Kaya 959…
The final month of the tax year is upon us, prompting us to review our finances ahead of filing our returns later this year. This tax year has been particularly challenging for most South Africans, and many of us have had to dip into multiple income streams. Whether you have always had multiple sources of income or have tapped into additional income streams this year, you need to make sure that the correct tax rates are being applied, or you could find yourself facing an unexpected tax bill when tax filing season arrives. Carrie Norden, tax manager at Allan Gray, joins Kaya Bizz to help us avoid this scenario. Kayafm · Kaya 959…
مرحبًا بك في مشغل أف ام!
يقوم برنامج مشغل أف أم بمسح الويب للحصول على بودكاست عالية الجودة لتستمتع بها الآن. إنه أفضل تطبيق بودكاست ويعمل على أجهزة اندرويد والأيفون والويب. قم بالتسجيل لمزامنة الاشتراكات عبر الأجهزة.