http://www.kaya959.co.za/ 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. Investing en Mon, 06 Apr 2020 19:53:23 +0200 Tue, 31 Mar 2026 22:54:04 +0200 30 http://blogs.law.harvard.edu/tech/rss iono.fm 2.5.2.0 Kaya 959 no Gugulethu Mfuphi Weekly feeds@iono.fm (Feed Manager) https://cdn.iono.fm/files/p782/logo_5140_20250910_202627_1400.jpeg http://www.kaya959.co.za/ 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. Kaya 959 episodic Kaya 959 digital@kaya959.co.za false ZA https://iono.fm/e/1661989 https://iono.fm/e/1661989 Kaya 959 ]]> Investing Tue, 31 Mar 2026 22:54:00 +0200 0 0 These habits could change the way you invest 0 0 Gugulethu Mfuphi full 12:52 Allan Gray Kaya Biz https://iono.fm/e/1656596 https://iono.fm/e/1656596 Kaya 959 ]]> Investing Tue, 17 Mar 2026 21:07:00 +0200 0 0 Budget 2026 brings rare relief for investors 0 0 Gugulethu Mfuphi full 20:29 Allan Gray Kaya Biz https://iono.fm/e/1649552 https://iono.fm/e/1649552 growth inside these products is tax‑free – which ranks them among the most powerful long‑term investment tools available.

In this Kaya Biz conversation, Allan Gray’s head of Tax, Carla Rossouw, explains how
maximising contributions can reduce your taxable income today, support long‑term growth
and why contributing above the annual limits still benefits you over time. Kaya 959 ]]> Investing Tue, 24 Feb 2026 22:40:00 +0200 0 0 Long‑term benefits of maximising your retirement fund contributions 0 0 Gugulethu Mfuphi full 10:24 Allan Gray Kaya Biz https://iono.fm/e/1644597 https://iono.fm/e/1644597 As the new year gets underway and many resolutions are pushed aside, Allan Gray’s Mthobisi Mthimkhulu joins the programme to help us get back on track, encouraging us to focus on small, repeatable actions rather than grand gestures. Kaya 959 ]]> Investing Tue, 10 Feb 2026 22:25:00 +0200 0 0 The compounding power of micro wins 0 0 Gugulethu Mfuphi full 9:49 Allan Gray Kaya Biz https://iono.fm/e/1639676 https://iono.fm/e/1639676 average, supported by strong returns from precious metals, offshore assets and local bonds.

A key feature of the local market’s strength was its narrowness, and this is a source of concern, with performance driven by a handful of shares rather than broad-based gains. When markets deliver outsized gains, a key differentiator is behaviour: knowing when to hold steady, when to take profits and how to avoid emotional decision‑making. Kaya 959 ]]> Investing Tue, 27 Jan 2026 22:45:00 +0200 0 0 Allan Gray: Balanced Fund: Taking profits while navigating global opportunities 0 0 Gugulethu Mfuphi full 12:51 Allan Gray Kaya Biz https://iono.fm/e/1593192 https://iono.fm/e/1593192
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 ]]> Investing Tue, 02 Sep 2025 18:50:00 +0200 0 0 Allan Gray - Stable Funds: A Cautious Fund For All Seasons 0 0 Gugulethu Mfuphi full 11:07 Allan Gray Kaya Biz https://iono.fm/e/1588414 https://iono.fm/e/1588414
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 ]]> Investing Tue, 19 Aug 2025 19:20:00 +0200 0 0 Allan Gray – How Employers Can Help Their Employees Shape Better Retirement Outcomes 0 0 Gugulethu Mfuphi full 13:31 Allan Gray Kaya Biz https://iono.fm/e/1583592 https://iono.fm/e/1583592
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 ]]> Investing Tue, 05 Aug 2025 18:50:00 +0200 0 0 Allan Gray - Evaluating Your Investment Manager 0 0 Gugulethu Mfuphi full 15:35 Allan Gray Kaya Biz https://iono.fm/e/1578839 https://iono.fm/e/1578839
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 ]]> Investing Tue, 22 Jul 2025 18:40:00 +0200 0 0 ALLAN GRAY - Why Financial Advice Is Key To Helping You Achieve Your Financial Goals This Savings Month 0 0 Gugulethu Mfuphi full 16:35 Allan Gray Kaya Biz https://iono.fm/e/1430338 https://iono.fm/e/1430338

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 ]]> Investing Tue, 09 Apr 2024 22:01:00 +0200 0 0 ALLAN GRAY – Lessons for investing in uncertain times 0 0 Gugulethu Mfuphi full 9:21 Allan Gray Kaya Biz https://iono.fm/e/1419669 https://iono.fm/e/1419669

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 ]]> Investing Tue, 26 Mar 2024 22:03:00 +0200 0 0 ALLAN GRAY - How excess retirement fund contributions can benefit you throughout your lifetime 0 0 Gugulethu Mfuphi full 8:43 Allan Gray Kaya Biz https://iono.fm/e/1415358 https://iono.fm/e/1415358
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 ]]> Investing Tue, 12 Mar 2024 21:02:00 +0200 0 0 ALLAN GRAY – How to achieve a sustainable retirement income 0 0 Gugulethu Mfuphi full 15:35 Allan Gray Kaya Biz https://iono.fm/e/1408171 https://iono.fm/e/1408171


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 ]]> Investing Tue, 20 Feb 2024 22:05:00 +0200 0 0 ALLAN GRAY: How staying the course gives you the long-term edge 0 0 Gugulethu Mfuphi full 11:20 Allan Gray Kaya Biz https://iono.fm/e/1403621 https://iono.fm/e/1403621 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 ]]> Investing Tue, 06 Feb 2024 22:03:00 +0200 0 0 ALLAN GRAY – How to maximise your tax benefits this February 0 0 Gugulethu Mfuphi full 10:11 Allan Gray Kaya Biz https://iono.fm/e/1401006 https://iono.fm/e/1401006
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 ]]> Investing Tue, 30 Jan 2024 22:11:00 +0200 0 0 ALLAN GRAY FEATURE - Investing for education in an inflationary environment 0 0 Gugulethu Mfuphi full 9:17 Allan Gray Kaya Biz https://iono.fm/e/1396756 https://iono.fm/e/1396756
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 ]]> Investing Tue, 16 Jan 2024 22:06:00 +0200 0 0 ALLAN GRAY: How to set SMART New Year’s money resolutions 0 0 Gugulethu Mfuphi full 9:37 Allan Gray Kaya Biz https://iono.fm/e/1389627 https://iono.fm/e/1389627
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 ]]> Investing Tue, 12 Dec 2023 22:07:00 +0200 0 0 ALLAN GRAY – How to select an investment manager 0 0 Gugulethu Mfuphi full 12:27 Allan Gray Kaya Biz https://iono.fm/e/1385295 https://iono.fm/e/1385295


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 ]]> Investing Tue, 28 Nov 2023 22:16:00 +0200 0 0 ALLAN GRAY – How to tame temptation and resist the urge to splurge 0 0 Gugulethu Mfuphi full 8:56 Allan Gray Kaya Biz https://iono.fm/e/1380534 https://iono.fm/e/1380534
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 ]]> Investing Tue, 14 Nov 2023 22:17:00 +0200 0 0 ALLAN GRAY FEATURE – How to recalibrate your finances in an inflationary environment 0 0 Gugulethu Mfuphi full 14:39 Allan Gray Kaya Biz https://iono.fm/e/1375698 https://iono.fm/e/1375698


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 ]]> Investing Tue, 31 Oct 2023 22:15:00 +0200 0 0 ALLAN GRAY: 25 years of lessons for equity investors 0 0 Gugulethu Mfuphi full 11:25 Allan Gray Kaya Biz https://iono.fm/e/1371015 https://iono.fm/e/1371015
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 ]]> Investing Tue, 17 Oct 2023 22:20:00 +0200 0 0 ALLAN GRAY FEATURE– Challenges and opportunities with South Africa’s retirement fund system 0 0 Gugulethu Mfuphi full 12:02 Allan Gray Kaya Biz https://iono.fm/e/1366139 https://iono.fm/e/1366139
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 ]]> Investing Tue, 03 Oct 2023 22:14:00 +0200 0 0 ALLAN GRAY FEATURE – Investing in frontier markets 0 0 Gugulethu Mfuphi full 12:20 Allan Gray Kaya Biz https://iono.fm/e/1361705 https://iono.fm/e/1361705
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 ]]> Investing Tue, 19 Sep 2023 23:29:00 +0200 0 0 ALLAN GRAY FEATURE – Unpacking the impact of accessing the two-pot savings withdrawal benefit 0 0 Gugulethu Mfuphi full 9:37 Allan Gray Kaya Biz https://iono.fm/e/1357189 https://iono.fm/e/1357189
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 ]]> Investing Tue, 05 Sep 2023 22:06:00 +0200 0 0 ALLAN GRAY – Key questions to help you prepare for a secure retirement 0 0 Gugulethu Mfuphi full 10:39 Allan Gray Kaya Biz https://iono.fm/e/1352357 https://iono.fm/e/1352357
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 ]]> Investing Tue, 22 Aug 2023 22:18:00 +0200 0 0 ALLAN GRAY FEATURE – The power of 1% 0 0 Gugulethu Mfuphi full 7:52 Allan Gray Kaya Biz https://iono.fm/e/1343324 https://iono.fm/e/1343324
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 ]]> Investing Wed, 09 Aug 2023 17:29:00 +0200 0 0 ALLAN GRAY FEATURE - The behavioural gap: What is the cost of responding to your emotions in investing? 0 0 Gugulethu Mfuphi full 14:15 Allan Gray Kaya Biz https://iono.fm/e/1335761 https://iono.fm/e/1335761
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 ]]> Investing Tue, 25 Jul 2023 23:12:00 +0200 0 0 ALLAN GRAY FEATURE - Three golden rules for long-term savings and investing success 0 0 Gugulethu Mfuphi full 13:58 Allan Gray Kaya Biz https://iono.fm/e/1330430 https://iono.fm/e/1330430
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 ]]> Investing Tue, 11 Jul 2023 22:21:00 +0200 0 0 ALLAN GRAY - Are you ready for the 2023 tax-filing season? 0 0 Gugulethu Mfuphi full 11:42 Allan Gray Kaya Biz https://iono.fm/e/1325513 https://iono.fm/e/1325513
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 ]]> Investing Tue, 27 Jun 2023 23:06:00 +0200 0 0 ALLAN GRAY FEATURE– Are you making the most out of your tax-free investments? 0 0 Gugulethu Mfuphi full 19:57 Allan Gray Kaya Biz https://iono.fm/e/1320576 https://iono.fm/e/1320576
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 ]]> Investing Tue, 13 Jun 2023 23:42:00 +0200 0 0 Personal finance lessons for your 20s and beyond 0 0 Gugulethu Mfuphi full 10:45 Allan Gray Kaya Biz https://iono.fm/e/1315711 https://iono.fm/e/1315711
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 ]]> Investing Tue, 30 May 2023 23:04:00 +0200 0 0 Dispelling umbrella fund fears for employers 0 0 Gugulethu Mfuphi full 8:55 Allan Gray Kaya Biz https://iono.fm/e/1311039 https://iono.fm/e/1311039
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 ]]> Investing Tue, 16 May 2023 23:38:00 +0200 0 0 ALLAN GRAY FEATURE – Equities matter – even for the cautious investor 0 0 Gugulethu Mfuphi full 12:27 Allan Gray Kaya Biz https://iono.fm/e/1306045 https://iono.fm/e/1306045
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 ]]> Investing Tue, 02 May 2023 23:02:00 +0200 0 0 How can investors position their portfolios to benefit from the higher inflationary environment? 0 0 Gugulethu Mfuphi full 10:31 Allan Gray Kaya Biz https://iono.fm/e/1302093 https://iono.fm/e/1302093 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 ]]> Investing Tue, 18 Apr 2023 22:41:00 +0200 0 0 ALLAN GRAY FEATURE – Rate hike improves South Africa’s attractiveness for investors 0 0 Gugulethu Mfuphi full 13:54 Allan Gray Kaya Biz https://iono.fm/e/1297556 https://iono.fm/e/1297556
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 ]]> Investing Tue, 04 Apr 2023 22:33:00 +0200 0 0 ALLAN GRAY – How to plan for an emergency fund in 2023 0 0 Gugulethu Mfuphi full 14:19 Allan Gray Kaya Biz https://iono.fm/e/1295047 https://iono.fm/e/1295047
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 ]]> Investing Tue, 28 Mar 2023 22:51:00 +0200 0 0 ALLAN GRAY – How to pave the way for better investment decisions 0 0 Gugulethu Mfuphi full 7:15 Allan Gray Kaya Biz https://iono.fm/e/1284033 https://iono.fm/e/1284033
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 ]]> Investing Thu, 23 Feb 2023 23:10:00 +0200 0 0 ALLAN GRAY FEATURE - Post-Budget speech commentary | A Budget of tough trade-offs 0 0 Gugulethu Mfuphi full 12:32 Allan Gray Kaya Biz https://iono.fm/e/1277706 https://iono.fm/e/1277706
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 ]]> Investing Tue, 07 Feb 2023 20:15:00 +0200 0 0 Tax Tips As We Head Into The 2023 Tax Season 0 0 Gugulethu Mfuphi full 18:16 Allan Gray Kaya Biz https://iono.fm/e/1272654 https://iono.fm/e/1272654


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 ]]> Investing Tue, 24 Jan 2023 18:30:00 +0200 0 0 How Do I Overcome The Barriers To Investing? 0 0 Gugulethu Mfuphi full 13:39 Allan Gray Kaya Biz https://iono.fm/e/1267901 https://iono.fm/e/1267901 Kaya 959 · Kaya 959 ]]> Investing Tue, 10 Jan 2023 13:19:00 +0200 0 0 ALLAN GRAY FEATURE - Education inflation. 0 0 Gugulethu Mfuphi full 11:35 Allan Gray Kaya Biz https://iono.fm/e/1240969 https://iono.fm/e/1240969 Kaya 959 · Kaya 959 ]]> Investing Tue, 18 Oct 2022 15:55:00 +0200 0 0 How to build a portfolio during times of extreme uncertainty. 0 0 Gugulethu Mfuphi full 13:11 Allan Gray Kaya Biz https://iono.fm/e/1235655 https://iono.fm/e/1235655 Kaya 959 ]]> Investing Tue, 04 Oct 2022 16:59:00 +0200 0 0 ALLAN GRAY: Why every investor needs an independent adviser right now. 0 0 Gugulethu Mfuphi full 12:18 Allan Gray Kaya Biz https://iono.fm/e/1229929 https://iono.fm/e/1229929 Kaya 959 · Kaya 959 ]]> Investing Tue, 20 Sep 2022 16:52:00 +0200 0 0 Why financial optimism matters and how to find it when the world is a mess. 0 0 Gugulethu Mfuphi full 14:58 Allan Gray Kaya Biz https://iono.fm/e/1224278 https://iono.fm/e/1224278 Kaya 959 · Kaya 959 ]]> Investing Tue, 06 Sep 2022 11:21:00 +0200 0 0 ALLAN GRAY FEATURE - What will happen to your investments when you die? 0 0 Gugulethu Mfuphi full 14:46 Allan Gray Kaya Biz https://iono.fm/e/1219536 https://iono.fm/e/1219536 Kaya 959 · Kaya 959 ]]> Investing Tue, 23 Aug 2022 11:49:00 +0200 0 0 How to be financially resilient in a rising inflationary environment. 0 0 Gugulethu Mfuphi full 11:42 Allan Gray Kaya Biz https://iono.fm/e/1158927 https://iono.fm/e/1158927 Kaya 959 Website · Kaya 959 ]]> Investing Tue, 22 Feb 2022 18:00:00 +0200 0 0 How to Apply “Cathedral Thinking” To Your Investment Approach 0 0 Gugulethu Mfuphi full 8:48 Allan Gray Kaya Biz https://iono.fm/e/1154023 https://iono.fm/e/1154023 Kaya 959 Website · Kaya 959 ]]> Investing Tue, 08 Feb 2022 18:00:00 +0200 0 0 Allan Gray: Could You Survive On Less Than A Third Of Your Income In Retirement? 0 0 Gugulethu Mfuphi full 10:54 Allan Gray Kaya Biz https://iono.fm/e/1148940 https://iono.fm/e/1148940 Kaya 959 Website · Kaya 959 ]]> Investing Tue, 25 Jan 2022 18:00:00 +0200 0 0 How to Maximise Your Tax Benefits Before The End Of The Tax Year 0 0 Gugulethu Mfuphi full 12:55 Allan Gray Kaya Biz https://iono.fm/e/1144340 https://iono.fm/e/1144340 Kaya 959 Website · Kaya 959 ]]> Investing Tue, 11 Jan 2022 18:00:00 +0200 0 0 Allan Gray: Ways We Can Leverage The “Fresh Start Effect” To Set Achievable Financial Goals 0 0 Gugulethu Mfuphi full 9:30 Allan Gray Kaya Biz https://iono.fm/e/1135624 https://iono.fm/e/1135624 Kaya 959 ]]> Investing Tue, 07 Dec 2021 18:00:00 +0200 0 0 Personal finance lessons from Squid Game 0 0 Gugulethu Mfuphi full 11:34 Allan Gray Kaya Biz https://iono.fm/e/1132621 https://iono.fm/e/1132621 Kaya 959 ]]> Investing Tue, 30 Nov 2021 19:00:00 +0200 0 0 Use Your Bonus To Invest More For Your Future 0 0 Gugulethu Mfuphi full 9:08 Allan Gray Kaya Biz https://iono.fm/e/1130039 https://iono.fm/e/1130039 Kaya 959 Website · Kaya 959 ]]> Investing Tue, 16 Nov 2021 18:00:00 +0200 0 0 Should you revenge spend on travel this holiday season? 0 0 Gugulethu Mfuphi full 16:19 Allan Gray Kaya Biz https://iono.fm/e/1122225 https://iono.fm/e/1122225 Kaya 959 Website · Kaya 959 ]]> Investing Tue, 02 Nov 2021 18:45:00 +0200 0 0 Jacques Plaut - Portfolio Manager At Allan Gray 0 0 Gugulethu Mfuphi full 10:27 Allan Gray Kaya Biz https://iono.fm/e/1079407 https://iono.fm/e/1079407 Kayafm · Kaya 959 ]]> Investing Tue, 27 Jul 2021 16:15:00 +0200 0 0 Do I need to file an income tax return for the 2021 tax year? 0 0 Gugulethu Mfuphi full 14:58 Allan Gray Kaya Biz https://iono.fm/e/1068851 https://iono.fm/e/1068851 Kayafm · Kaya 959 ]]> Investing Tue, 29 Jun 2021 16:55:00 +0200 0 0 Investing for capital preservation and growth 0 0 Gugulethu Mfuphi full 14:07 Allan Gray Kaya Biz https://iono.fm/e/1057426 https://iono.fm/e/1057426 Kayafm · Kaya 959 ]]> Investing Tue, 15 Jun 2021 11:09:00 +0200 0 0 Building a solid financial foundation 0 0 Gugulethu Mfuphi full 12:28 Allan Gray Kaya Biz https://iono.fm/e/1048505 https://iono.fm/e/1048505 Kayafm · Kaya 959 ]]> Investing Wed, 02 Jun 2021 10:25:00 +0200 0 0 The dangers of social media financial advice 0 0 Gugulethu Mfuphi full 11:28 Allan Gray Kaya Biz https://iono.fm/e/1041957 https://iono.fm/e/1041957 Kayafm · Kaya 959 ]]> Investing Tue, 18 May 2021 14:59:00 +0200 0 0 Where to from here for interest rates and money market returns? 0 0 Gugulethu Mfuphi full 11:17 Allan Gray Kaya Biz https://iono.fm/e/1038399 https://iono.fm/e/1038399 Kayafm · Kaya 959 ]]> Investing Wed, 05 May 2021 13:35:00 +0200 0 0 Where to from here for inflation? 0 0 Gugulethu Mfuphi full 13:41 Allan Gray Kaya Biz https://iono.fm/e/1028524 https://iono.fm/e/1028524 Kayafm · Kaya 959 ]]> Investing Tue, 20 Apr 2021 10:17:00 +0200 0 0 Key questions to help you prepare for your retirement 0 0 Gugulethu Mfuphi full 9:58 Allan Gray Kaya Biz https://iono.fm/e/1021275 https://iono.fm/e/1021275 Kayafm · Kaya 959 ]]> Investing Tue, 06 Apr 2021 10:40:00 +0200 0 0 Balance caution with opportunism by investing in a low equity strategy 0 0 Gugulethu Mfuphi full 11:20 Allan Gray Kaya Biz https://iono.fm/e/1015882 https://iono.fm/e/1015882 Kayafm · Kaya 959 ]]> Investing Tue, 23 Mar 2021 09:42:00 +0200 0 0 Divorce and your retirement savings 0 0 Gugulethu Mfuphi full 13:28 Allan Gray Kaya Biz https://iono.fm/e/1005343 https://iono.fm/e/1005343 Kayafm · Kaya 959 ]]> Investing Tue, 23 Feb 2021 12:58:00 +0200 0 0 Habits that set successful investors apart 0 0 Gugulethu Mfuphi full 12:12 Allan Gray Kaya Biz https://iono.fm/e/1005368 https://iono.fm/e/1005368 Kayafm · Kaya 959 ]]> Investing Tue, 16 Feb 2021 13:22:00 +0200 0 0 Are you making the most of tax-free investing? 0 0 Gugulethu Mfuphi full 9:40 Allan Gray Kaya Biz https://iono.fm/e/993388 https://iono.fm/e/993388 Kayafm · Kaya 959 ]]> Investing Tue, 02 Feb 2021 10:52:00 +0200 0 0 Understanding your tax liability 0 0 Gugulethu Mfuphi full 10:00 Allan Gray Kaya Biz https://iono.fm/e/985208 https://iono.fm/e/985208 Kayafm · Kaya 959 ]]> Investing Tue, 12 Jan 2021 13:16:00 +0200 0 0 Give your finances a fresh start 0 0 Gugulethu Mfuphi full 18:00 Allan Gray Kaya Biz https://iono.fm/e/957768 https://iono.fm/e/957768 Kayafm · Kaya 959 ]]> Investing Tue, 17 Nov 2020 11:37:00 +0200 0 0 Be wary of overspending 0 0 Gugulethu Mfuphi full 12:47 Allan Gray Kaya Biz https://iono.fm/e/950673 https://iono.fm/e/950673 Kayafm · Kaya 959 ]]> Investing Tue, 03 Nov 2020 11:53:00 +0200 0 0 Are you sitting on savings you could be investing? 0 0 Gugulethu Mfuphi full 11:32 Allan Gray Kaya Biz https://iono.fm/e/944956 https://iono.fm/e/944956 The overnight repo rate of 3.5% is the lowest in South Africa’s history, and offers only a marginal uplift relative to inflation of 3.1% year on year for August 2020. Other market forces are also at work in keeping money market returns low. Thalia Petousis, portfolio manager at Allan Gray, joins Kaya Bizz to explain what this means for investors who have become accustomed to real returns from these low-risk investments. Kayafm · Kaya 959 ]]> Investing Tue, 20 Oct 2020 17:16:00 +0200 0 0 Anaemic rate environment for money market funds 0 0 Gugulethu Mfuphi full 11:09 Allan Gray Kaya Biz https://iono.fm/e/940313 https://iono.fm/e/940313 Kayafm · Kaya 959 ]]> Investing Tue, 06 Oct 2020 11:31:00 +0200 0 0 How to invest to be crisis ready 0 0 Gugulethu Mfuphi full 14:12 Allan Gray Kaya Biz https://iono.fm/e/929517 https://iono.fm/e/929517 Kayafm · Kaya 959 ]]> Investing Tue, 22 Sep 2020 19:29:00 +0200 0 0 How to spring clean your financial habits 0 0 Gugulethu Mfuphi full 9:08 Allan Gray Kaya Biz https://iono.fm/e/926031 https://iono.fm/e/926031 Kayafm · Kaya 959 ]]> Investing Tue, 08 Sep 2020 09:46:00 +0200 0 0 Is there a place for real assets in a conservative portfolio? 0 0 Gugulethu Mfuphi full 15:06 Allan Gray Kaya Biz https://iono.fm/e/914182 https://iono.fm/e/914182 Kayafm · Kaya 959 ]]> Investing Tue, 25 Aug 2020 10:29:00 +0200 0 0 Why women are better long-term investors 0 0 Gugulethu Mfuphi full 7:45 Allan Gray Kaya Biz https://iono.fm/e/913573 https://iono.fm/e/913573 Kayafm · Kaya 959 ]]> Investing Tue, 11 Aug 2020 11:44:00 +0200 0 0 Should I file a tax return for the 2020 tax year? 0 0 Gugulethu Mfuphi full 11:17 Allan Gray Kaya Biz https://iono.fm/e/900360 https://iono.fm/e/900360 Kayafm · Kaya 959 ]]> Investing Wed, 29 Jul 2020 16:04:00 +0200 0 0 Long-term saving mistakes to avoid 0 0 Gugulethu Mfuphi full 15:04 Allan Gray Kaya Biz https://iono.fm/e/900877 https://iono.fm/e/900877 Kayafm · Kaya 959 ]]> Investing Tue, 14 Jul 2020 14:35:00 +0200 0 0 Do you have an emergency fund? 0 0 Gugulethu Mfuphi full 14:52 Allan Gray Kaya Biz https://iono.fm/e/885532 https://iono.fm/e/885532 Kayafm · Kaya 959 ]]> Investing Tue, 30 Jun 2020 19:08:00 +0200 0 0 Ideas to help you prepare for the tough months ahead with Ms Lettie Mzwinila 0 0 Gugulethu Mfuphi full 10:56 Allan Gray Kaya Biz https://iono.fm/e/877700 https://iono.fm/e/877700 Kayafm · Kaya 959 ]]> Investing Tue, 16 Jun 2020 18:58:00 +0200 0 0 Approaching investing during COVID-19 and beyond 0 0 Gugulethu Mfuphi full 12:23 Allan Gray Kaya Biz https://iono.fm/e/870294 https://iono.fm/e/870294 Kayafm · Kaya 959 ]]> Investing Tue, 02 Jun 2020 12:58:00 +0200 0 0 Looking after your financial health during COVID-19 0 0 Gugulethu Mfuphi full 14:11 Allan Gray Kaya Biz https://iono.fm/e/863210 https://iono.fm/e/863210 Kayafm · Kaya 959 ]]> Investing Tue, 19 May 2020 12:34:00 +0200 0 0 Optimism in a time of distress 0 0 Gugulethu Mfuphi full 12:09 Allan Gray Kaya Biz https://iono.fm/e/856170 https://iono.fm/e/856170 Kayafm · Kaya 959 ]]> Investing Tue, 05 May 2020 15:19:00 +0200 0 0 How to stay the course in uncertain times 0 0 Gugulethu Mfuphi full 14:58 Allan Gray Kaya Biz https://iono.fm/e/849239 https://iono.fm/e/849239 Kayafm · Kaya 959 ]]> Investing Tue, 21 Apr 2020 19:40:00 +0200 0 0 How to cope with the Trauma of the COVID-19 Crisis 0 0 Gugulethu Mfuphi full 15:05 Allan Gray Kaya Biz https://iono.fm/e/843069 https://iono.fm/e/843069 Kayafm · Kaya 959 ]]> Investing Tue, 07 Apr 2020 14:06:00 +0200 0 0 What happens to your retirement savings if your company shuts its doors? 0 0 Gugulethu Mfuphi full 10:43 Allan Gray Kaya Biz https://iono.fm/e/842537 https://iono.fm/e/842537 Kayafm · Kaya 959 ]]> Investing Tue, 24 Mar 2020 15:44:00 +0200 0 0 Coping with market uncertainty 0 0 Gugulethu Mfuphi full 11:27 Allan Gray Kaya Biz https://iono.fm/e/842531 https://iono.fm/e/842531 Kayafm · Kaya 959 ]]> Investing Tue, 10 Mar 2020 15:14:00 +0200 0 0 Make the most of your tax benefits 0 0 Gugulethu Mfuphi full 10:59 Allan Gray Kaya Biz