Investec Focus Radio SA

In the latest episode of Investec's No Ordinary Wednesday podcast, economist Lara Hodes discusses rising business confidence in South Africa, the effects of an easing monetary cycle, and an increase in mining production. But as we celebrate these wins, could global tensions stand in the way of further progress? Listen in to find out. Podcast key moments: 00:00 - Introduction 01:05 - Business confidence is slightly up - do you expect this continue? 02:01 - What macroeconomic factors will you be watching in the next few months that will affect the rand? 03:01 - How concerned are you about commodity prices? 03:48 - What global factors are likely to impact South Africa’s economy? 04:40 – Inflation outlook 05:27 - With an uncertain environment, what could derail further rate cuts? 06:44 - Is there improvement to household finances? 07:51 - There’s some improvement in mining production and output, do you expect this to continue? 08:59 - What will drive growth in the manufacturing sector? 10:05 - What do the latest economic indicators mean for the economy? 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

Are you earning extra income through a side hustle or considering working abroad as a digital nomad? As the world of work evolves, the rise of side hustles, freelancing and remote work has introduced new complexities to tax obligations. Whether you're a freelancer, gig worker or digital nomad, understanding your tax responsibilities is crucial to staying compliant and optimising your earnings. In this episode, learn how to navigate your tax obligations in South Africa and beyond with insights from our experts, Bronwyn Trower, Co-Portfolio Manager at Investec Wealth & Investments, and Nicci Courtney-Clarke, Head of Tax at TaxTim. This episode is packed with useful tips for modern professionals managing new ways of working and multiple income streams. 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 Freelancers and tax obligations in South Africa 02:30 Why freelance taxes feel higher than salaried employees 04:00 The importance of keeping detailed financial records 07:00 Common mistakes freelancers make when they’re filing their taxes 09:00 Tax implications of working abroad as a digital nomad 11:30 Dual Tax Agreements and their benefits 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 advice with your trusted financial partner. Listen to the full series · Read the full article · Get tax-efficient financial products with Investec · Investec Focus Radio SA

SA inflation surprised on the downside and is likely to remain low. Despite this, the Reserve Bank continues to maintain a restrictive stance, pointing to bigger than expected rate cuts next year. Investec Focus Radio SA

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