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

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