https://www.investec.com/safocus Investec is an international bank and wealth manager with primary operations in the UK and South Africa. On our Focus Radio podcast SA and UK channels you'll find a wealth of content about managing your money, the economy, investment and finance, alongside some honest and candid conversations with leaders, influencers and innovators from a wide range of fields. Other en Mon, 07 Aug 2017 09:56:21 +0000 Wed, 04 Nov 2026 06:00:00 +0200 30 http://blogs.law.harvard.edu/tech/rss iono.fm 2.6.0.0 Investec feeds@iono.fm (Feed Manager) https://cdn.iono.fm/files/p374/logo_374_20250908_202120_1400.jpeg https://www.investec.com/safocus Investec is an international bank and wealth manager with primary operations in the UK and South Africa. Investec episodic Investec focus@investec.co.za false ZA https://iono.fm/e/1735629 https://iono.fm/e/1735629
In this episode of No Ordinary Wednesday, Investec Global Equity analysts David Smith and Zane Bezuidenhout join Jeremy Maggs to examine the year's defining technology trends, the debate over an AI bubble and the companies best placed to benefit. From the future of work to the economics of AI, they unpack what 2026 has taught investors and what to watch in 2027 and beyond. Investec Focus Radio SA]]> Business Wed, 04 Nov 2026 06:00:00 +0200 0 0 No Ordinary Wednesday | Has the AI boom got ahead of itself? 0 0 Investec full 31:58 Investec Focus Radio SA https://iono.fm/e/1735022 https://iono.fm/e/1735022
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 02 Nov 2026 11:15:00 +0200 0 0 S05 Ep06 Energy Market Update: Brent’s apparent price plunge masks a modest decline 0 0 Investec full 3:49 Investec Focus Radio UK https://iono.fm/e/1734995 https://iono.fm/e/1734995 Investec Focus Radio SA]]> Business Mon, 02 Nov 2026 10:05:00 +0200 0 0 Macro Monday Ep138: The beats go on for US equities 0 0 Investec full 8:40 Investec Focus Radio SA https://iono.fm/e/1732654 https://iono.fm/e/1732654
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 26 Oct 2026 10:15:00 +0200 0 0 S05 Ep05 Energy Market Update: Rising gas prices add pressure to the UK energy outlook 0 0 Investec full 4:35 Investec Focus Radio UK https://iono.fm/e/1732605 https://iono.fm/e/1732605 Investec Focus Radio SA]]> Business Mon, 26 Oct 2026 09:52:00 +0200 0 0 Macro Monday Ep137: Mortgage market an orange light for the US economy 0 0 Investec full 8:00 Investec Focus Radio SA https://iono.fm/e/1730086?v=1 https://iono.fm/e/1730086?v=1 In this special edition of No Ordinary Wednesday, Cumesh Moodliar, CEO of Investec South Africa, and Andrew Lillywhite, head of bank funding group at Investec UK, share first-hand insights from their time at the 2026 IMF and World Bank meetings in Bangkok. Drawing on conversations at the meetings, they examine the forces shaping global investment. They also identify signals that could support investment, from more stable long-term interest rates to the potential impact of a stronger South African credit rating. Investec Focus Radio SA]]> Business Mon, 19 Oct 2026 11:24:00 +0200 0 0 No Ordinary Wednesday: IMF 2026 | AI, debt and the global investment outlook 0 0 Investec full 26:43 Investec Focus Radio SA https://iono.fm/e/1730072 https://iono.fm/e/1730072
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 19 Oct 2026 10:47:00 +0200 0 0 S05 Ep04 Energy Market Update: Oil supply risks mount as Middle East tensions intensify 0 0 Investec full 4:03 Investec Focus Radio UK https://iono.fm/e/1730047 https://iono.fm/e/1730047 Investec Focus Radio SA]]> Business Mon, 19 Oct 2026 10:03:00 +0200 0 0 Macro Monday Ep136: Tech sector weakens after US inflation report 0 0 Investec full 10:13 Investec Focus Radio SA https://iono.fm/e/1728029 https://iono.fm/e/1728029 On No Ordinary Wednesday, Chris Holdsworth, Investec Investment Management’s Global Chief Investment Officer, joins Jeremy Maggs to explain the thinking behind the decision. Investec Focus Radio SA]]> Business Tue, 13 Oct 2026 15:12:00 +0200 0 0 No Ordinary Wednesday: Inside Investec’s investment outlook 0 0 Investec full 17:50 Investec Focus Radio SA https://iono.fm/e/1727171 https://iono.fm/e/1727171
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 12 Oct 2026 10:29:00 +0200 0 0 S05 Ep03 Energy Market Update: Russian diesel deal offers limited relief to global markets 0 0 Investec full 4:33 Investec Focus Radio UK https://iono.fm/e/1727157 https://iono.fm/e/1727157 Investec Focus Radio SA]]> Business Mon, 12 Oct 2026 10:07:00 +0200 0 0 Macro Monday Ep135: The two sides to the AI investment boom 0 0 Investec full 5:45 Investec Focus Radio SA https://iono.fm/e/1726972 https://iono.fm/e/1726972 Ahead of the 2026 Medium-Term Budget Policy Statement (MTBPS), Investec’s Annabel Bishop and Tertia Jacobs to examine the choices facing National Treasury.
Higher precious metals prices offer the prospect of better-than-budgeted tax revenue. But weaker growth, inflation pressure and higher borrowing costs complicate the outlook. How Treasury uses any additional revenue will matter for debt sustainability and investor confidence.
In this episode of No Ordinary Wednesday, our economists discuss spending discipline, the proposed fiscal anchor and why rising bond yields do not necessarily signal weaker confidence in South Africa. Investec Focus Radio SA]]> Business Sun, 11 Oct 2026 15:02:00 +0200 0 0 No Ordinary Wednesday | Mini-Budget 2026: More revenue, less borrowing? 0 0 Investec full 26:00 Investec Focus Radio SA https://iono.fm/e/1724778 https://iono.fm/e/1724778 Investec Focus Radio SA]]> Business Mon, 05 Oct 2026 10:00:00 +0200 0 0 Macro Monday Ep134: Fixed income investors are having a tough time 0 0 Investec full 9:40 Investec Focus Radio SA https://iono.fm/e/1724781 https://iono.fm/e/1724781
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 05 Oct 2026 09:59:00 +0200 0 0 S05 Ep02 Energy Market Update: G7 reserve release offers temporary relief for UK diesel market 0 0 Investec full 6:16 Investec Focus Radio UK https://iono.fm/e/1722158 https://iono.fm/e/1722158 Investec Focus Radio SA]]> Business Mon, 28 Sep 2026 11:58:00 +0200 0 0 Macro Monday ep 133 | US growth is running hot 0 0 Investec full 8:19 Investec Focus Radio SA https://iono.fm/e/1722118 https://iono.fm/e/1722118
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 28 Sep 2026 10:37:00 +0200 0 0 S05 Ep01 Energy Market Update: Oil markets caught between diplomacy and disruption 0 0 Investec full 5:49 Investec Focus Radio UK https://iono.fm/e/1720711 https://iono.fm/e/1720711
On No Ordinary Wednesday, Jeremy Maggs speaks to Investec CIB’s Louise Pillay, a telecoms and media analyst, and David Abbey, a leveraged finance specialist, about what is driving demand, where the risk of overbuilding lies and what it will take to connect more of the country.

Chapters:
00:00 - Digital infrastructure as a growth engine
01:58 - How digital infrastructure has evolved
03:17 - Coverage versus digital inclusion
04:54 - What is driving demand for data centres and AI infrastructure?
06:08 - Is there a risk of overbuilding?
07:34 - Is grid access the bigger constraint for data centres?
08:45 - Power, water and social licence
10:53 - What makes a digital infrastructure project financeable?
12:04 - Can new rules speed up fibre rollout?
13:34 - Satellite versus fibre and mobile
14:47 - Does satellite change the economics of rural connectivity?
15:42 - How should policymakers regulate competing technologies?
16:38 - Who will fund the next phase of broadband build-out?
17:30 - What could change the outlook for the sector? Investec Focus Radio SA]]> Business Wed, 23 Sep 2026 06:00:00 +0200 0 0 No Ordinary Wednesday | South Africa’s race to get connected 0 0 Investec full 19:37 Investec Focus Radio SA https://iono.fm/e/1720304 https://iono.fm/e/1720304 In this episode:
00:00: Introduction
01:08: A $1bn ambition for Africa
02:28: From miner to CEO
05:31: Defending mining rights and the rule of law
13:43: The human cost of restructuring
20:48: Yamana: A question of timing
25:07: Balancing growth and shareholder returns
27:38: The people behind an illustrious career
29:42: Doing right when it matters
30:10: Quick-fire questions
30:33: Outro Investec Focus Radio SA]]> Business Mon, 21 Sep 2026 19:22:00 +0200 0 0 Investec Minds Ep 4: Chris Griffith on leading mining through crisis 0 0 Investec full 32:04 Investec Focus Radio SA https://iono.fm/e/1720166 https://iono.fm/e/1720166 Investec Investor Relations]]> Business Mon, 21 Sep 2026 13:00:00 +0200 0 0 Pre-close statement 18 September 2026 0 0 Investec full 15:33 Investec Results https://iono.fm/e/1720038 https://iono.fm/e/1720038 Investec Focus Radio SA]]> Business Mon, 21 Sep 2026 10:22:00 +0200 0 0 Macro Monday ep 132: Central banks on a hiking path 0 0 Investec full 6:22 Investec Focus Radio SA https://iono.fm/e/1717461 https://iono.fm/e/1717461
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 14 Sep 2026 10:28:00 +0200 0 0 S04 Ep50 Energy Market Update: Could Brent crude climb back above $120? 0 0 Investec full 4:58 Investec Focus Radio UK https://iono.fm/e/1717445 https://iono.fm/e/1717445 Investec Focus Radio SA]]> Business Mon, 14 Sep 2026 10:02:00 +0200 0 0 Macro Monday Ep131: Fed meets as oil prices rise 0 0 Investec full 8:04 Investec Focus Radio SA https://iono.fm/e/1716035 https://iono.fm/e/1716035 Investec]]> Business Wed, 09 Sep 2026 13:24:00 +0200 0 0 The signals from oil, bonds and inflation 0 0 Investec full 16:49 Investec Focus Radio UK https://iono.fm/e/1715735 https://iono.fm/e/1715735 Growth has held up better than expected. But energy markets remain tight, long-term borrowing costs are rising, and central banks are weighing the risk of another inflation shock.

In the latest No Ordinary Wednesday, Ellie Henderson and Callum Macpherson of Investec UK discuss what the oil market, sovereign bonds and economic data are telling us now.

They also explore what this means for interest rates, corporate investment and the risks facing South Africa. Investec Focus Radio SA]]> Business Tue, 08 Sep 2026 18:05:00 +0200 0 0 No Ordinary Wednesday | The signals from oil, bonds and inflation 0 0 Investec full 17:51 Investec Focus Radio SA https://iono.fm/e/1714993 https://iono.fm/e/1714993 Investec Focus Radio SA]]> Business Mon, 07 Sep 2026 10:13:00 +0200 0 0 Macro Monday Ep130: Crude prices, US jobs place focus on interest rates 0 0 Investec full 8:08 Investec Focus Radio SA https://iono.fm/e/1714984 https://iono.fm/e/1714984
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 07 Sep 2026 09:42:00 +0200 0 0 S04 Ep49 Energy Market Update: Oil prices climb as US-Iran tensions disrupt shipping 0 0 Investec full 3:51 Investec Focus Radio UK https://iono.fm/e/1713044 https://iono.fm/e/1713044
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Tue, 01 Sep 2026 10:35:00 +0200 0 0 S04 Ep48 Energy Market Update: Strait tensions keep energy markets on edge 0 0 Investec full 4:20 Investec Focus Radio UK https://iono.fm/e/1712544 https://iono.fm/e/1712544 Investec Focus Radio SA]]> Business Mon, 31 Aug 2026 10:10:00 +0200 0 0 Macro Monday Ep129: Warsh’s hawkish speech 0 0 Investec full 9:14 Investec Focus Radio SA https://iono.fm/e/1710800 https://iono.fm/e/1710800 International arrivals rose 12.3% in the first half of 2026. And phase III of the government-business Partnership now puts the sector firmly on the growth agenda, with a focus on air access, visas, safety and infrastructure.
On No Ordinary Wednesday, Jeremy Maggs and Investec economist Lara Hodes examine what it will take to turn that momentum into investment, jobs and sustained growth.

Read more on www.investec.com/now Investec Focus Radio SA]]> Business Tue, 25 Aug 2026 13:54:00 +0200 0 0 No Ordinary Wednesday | The economics of tourism in SA 0 0 Investec full 12:18 Investec Focus Radio SA https://iono.fm/e/1710214 https://iono.fm/e/1710214
00:00 Introduction
01:05 Investment property as part of a broader wealth strategy
01:39 What are the risks of investing in property?
03:10 Is buying property in Cape Town a good investment?
04:52 The need for liquid cash when you own an investment property
05:48 Risk of buying multiple properties in a concentrated area
06:25 What are the hidden costs of investing in property?
07:30 How to financially prepare to buy a house
08:28 How to calculate cash flow resistance
09:51 How to calculate a realistic return on investment in property
10:40 Protecting the income that maintains your property investment
11:42 The benefits of having life insurance and mortgage protection insurance
12:07 Does mortgage protection insurance cover you if you become disabled?
13:34 Why people don’t see themselves as assets to insure
14:25 What insurance do I need for investment property?
16:40 Life cover vs mortgage protection cover for property investments
18:25 What to consider if you have multiple investment properties
21:50 How long to see return on investment in property?
24:52 How to identify a good area to buy investment property in?
25:36 Key takeaways for investing in property
26:53 Conclusion Investec Focus Radio SA]]> Business Tue, 25 Aug 2026 06:00:00 +0200 0 0 Everything Counts | Episode 54: Protecting property wealth 0 0 Investec full 28:33 Investec Focus Radio SA https://iono.fm/e/1710224 https://iono.fm/e/1710224
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 24 Aug 2026 10:24:00 +0200 0 0 S04 Ep47 Energy Market Update: Renewed US-Iran tensions could push Brent above $100 0 0 Investec full 3:01 Investec Focus Radio UK https://iono.fm/e/1710203 https://iono.fm/e/1710203 Investec Focus Radio SA]]> Business Mon, 24 Aug 2026 10:06:00 +0200 0 0 Macro Monday Ep128: US bond market intervention fails to bring down yields 0 0 Investec full 4:59 Investec Focus Radio SA https://iono.fm/e/1707697 https://iono.fm/e/1707697 Investec Focus Radio SA]]> Business Mon, 17 Aug 2026 10:33:00 +0200 0 0 Macro Monday Ep127: The Fed’s difficult position 0 0 Investec full 7:44 Investec Focus Radio SA https://iono.fm/e/1707694 https://iono.fm/e/1707694
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 17 Aug 2026 10:25:00 +0200 0 0 S04 Ep46 Energy Market Update: UK fuel costs face prolonged pressure from supply disruption 0 0 Investec full 4:37 Investec Focus Radio UK https://iono.fm/e/1706809 https://iono.fm/e/1706809 Drawing on his experience at Telkom, Vodacom and BP Southern Africa, Maseko shares lessons from leading one of South Africa's most significant corporate turnarounds and the personal cost of making difficult decisions.
The conversation explores Africa's infrastructure deficit, satellite broadband, regulation, AI investment, digital transformation, pay TV, sport and the economics of content. Maseko also discusses the opportunities he sees for South Africa and the continent over the coming decades.
His most powerful leadership insight? “People should feel you.” Investec Focus Radio SA]]> Business Thu, 13 Aug 2026 15:26:00 +0200 0 0 Investec Minds Ep 3: Sipho Maseko on the hard decisions that define leaders 0 0 Investec full 33:34 Investec Focus Radio SA https://iono.fm/e/1706315 https://iono.fm/e/1706315 Investec Investor Relations]]> Business Wed, 12 Aug 2026 13:41:00 +0200 0 0 Investec PLC AGM 2026 0 0 Investec full 23:58 Investec Results https://iono.fm/e/1706312 https://iono.fm/e/1706312 Investec Investor Relations]]> Business Wed, 12 Aug 2026 13:40:00 +0200 0 0 Investec Limited AGM 0 0 Investec full 6:05 Investec Results https://iono.fm/e/1705948?v=2 https://iono.fm/e/1705948?v=2 Investec Focus Radio SA]]> Business Wed, 12 Aug 2026 06:00:00 +0200 0 0 No Ordinary Wednesday Ep 133 | Bond markets: A licence to yield. 0 0 Investec full 21:47 Investec Focus Radio SA https://iono.fm/e/1705547 https://iono.fm/e/1705547 Many people treat tax filing season as a simple compliance exercise and move on. But as our experts explain, your SARS tax return is actually a powerful financial health check that can help you avoid costly mistakes, stay compliant, and even unlock additional value.
We dive into:
● Why you should rethink how you approach tax filing
● The risks of blindly accepting SARS auto assessments
● Common tax mistakes that could cost you money
● Medical aid deductions and what you might be missing
● Travel claims, cost-to-company structuring, and share incentives
● What happens during a SARS audit (and how to prepare)
Whether you're a salaried employee, high-income earner, or managing multiple income streams, this episode gives practical, actionable insights to help you file with confidence and make sure you aren’t unknowingly leaving money on the table.

00:00 Introduction
01:15 Tax filing beyond compliance
01:48 What changes to report to SARS
03:50 Tax returns as a financial health check
04:43 The importance of keeping track of your own numbers
05:27 Should I accept SARS auto assessment?
06:45 Changes to tax auto assessments for 2026
07:37 How to submit medical aid tax certificate to SARS
09:30 Beyond medical certificates for tax
10:30 Disability claim SARS
12:06 Is travel allowance tax deductible?
15:30 Structuring a tax efficient remuneration package
17:13 Tax implications on shares
18:36 What does it mean if SARS is auditing you?
20:00 Tax verification vs audit
21:15 The value of a tax practitioner if you are audited
21:50 Audit mistakes to avoid
23:00 Tax audit tips for high net worth individuals
24:38 How to maximise your tax refund
36:40 Conclusion Investec Focus Radio SA]]> Business Tue, 11 Aug 2026 06:00:00 +0200 0 0 Everything Counts | Episode 53: Tips for tax filing season in South Africa 0 0 Investec full 28:44 Investec Focus Radio SA https://iono.fm/e/1705508 https://iono.fm/e/1705508
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 10 Aug 2026 10:17:00 +0200 0 0 S04 Ep45 Energy Market Update: Oil markets await a breakthrough on the Strait of Hormuz 0 0 Investec full 5:34 Investec Focus Radio UK https://iono.fm/e/1703312 https://iono.fm/e/1703312
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 03 Aug 2026 10:34:00 +0200 0 0 S04 Ep44 Energy Market Update: Hormuz negotiations offer hope, but major differences remain 0 0 Investec full 3:20 Investec Focus Radio UK https://iono.fm/e/1703301 https://iono.fm/e/1703301 Investec Focus Radio SA]]> Business Mon, 03 Aug 2026 10:21:00 +0200 0 0 Macro Monday Ep126: Slowing momentum in global equities 0 0 Investec full 9:51 Investec Focus Radio SA https://iono.fm/e/1701366 https://iono.fm/e/1701366
00:00: Intro
1:01: Demand for AI even stronger than expected
2:07: Scale of demand has outstripped supply
3:30: What is Agentic AI?
4:44: When will agentic AI be truly embedded in our lives?
5:27: The rise of “intelligence per dollar” and “token optimization”
7:07: Are companies starting to see returns on their AI investments?
8:26: For investors, what distinguishes the winners in the AI race?
10:00: Continuity announcement: Investec Global Leaders Portfolio
10:54: Is China closing in on the US when it comes to AI prowess?
11:36: The increase of regulation
12:28: AI opportunities beyond the Mag 7
13:49: What could derail the AI investment story
15:16: One message for investors
15:57: Outro Investec Focus Radio SA]]> Business Tue, 28 Jul 2026 16:46:00 +0200 0 0 No Ordinary Wednesday Ep 132: Investing in AI's next chapter 0 0 Investec full 16:40 Investec Focus Radio SA https://iono.fm/e/1700882 https://iono.fm/e/1700882 In this episode of Everything Counts, Motheo Khoaripe is joined by Investec's Nirvashni Rajkumar (KZN team leader for the Investec financial planning team) and Dorothy Asomaning (Investec Wealth & Investment Wealth Manager) to explore why saving is about much more than building a bigger bank balance. Together they unpack how lifestyle inflation quietly limits our choices, why earning more doesn't always lead to greater financial freedom, and how giving your money a clear purpose can change the way you think about your future.

In this episode, we discuss:
• Why traditional conversations about saving no longer resonate.
• How lifestyle inflation quietly reduces financial freedom.
• Why financial freedom is about choice, not income.
• How to give your savings a meaningful purpose.
• The realities of saving while supporting family.
• Why behaviour shapes financial outcomes more than good intentions.
• The simple question that can change the way you think about saving.
If you've grown tired of traditional savings advice, this conversation offers a different perspective on what saving is really for.
Watch now and subscribe for more conversations that prove when it comes to money, everything counts.

00:00 Introduction
01:20 Has saving lost its meaning?
04:21 Why saving has become uninspiring
07:10 Can you accidentally out-earn your freedom?
08:23 The discipline of saving
16:40 Lifestyle inflation and financial choice
15:10 Saving while supporting family
18:50 What future is your money building?
20:35 Why behaviour matters more than willpower
25:00 Giving your savings a purpose
26:37 Closing thoughts Investec Focus Radio SA]]> Business Tue, 28 Jul 2026 06:00:00 +0200 0 0 Everything Counts | Episode 52: Has saving lost its meaning? 0 0 Investec full 27:53 Investec Focus Radio SA https://iono.fm/e/1700523 https://iono.fm/e/1700523
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 27 Jul 2026 10:25:00 +0200 0 0 S04 Ep43 Energy Market Update: Red Sea disruption keeps oil market on edge 0 0 Investec full 4:43 Investec Focus Radio UK https://iono.fm/e/1700504 https://iono.fm/e/1700504 Investec Focus Radio SA]]> Business Mon, 27 Jul 2026 09:56:00 +0200 0 0 Macro Monday Ep125: Excellent earnings season so far 0 0 Investec full 7:49 Investec Focus Radio SA https://iono.fm/e/1698053 https://iono.fm/e/1698053
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 20 Jul 2026 10:18:00 +0200 0 0 S04 Ep42 Energy Market Update: Brent climbs above $90 as Middle East tensions hit energy markets 0 0 Investec full 5:16 Investec Focus Radio UK https://iono.fm/e/1698044 https://iono.fm/e/1698044 Investec Focus Radio SA]]> Business Mon, 20 Jul 2026 10:01:00 +0200 0 0 Macro Monday Ep124: AI capex and competition concerns weigh on stock markets 0 0 Investec full 8:13 Investec Focus Radio SA https://iono.fm/e/1696331 https://iono.fm/e/1696331 Investec Focus Radio SA]]> Business Tue, 14 Jul 2026 19:28:00 +0200 0 0 NOW Ep 131: South Africa’s consumer crunch 0 0 Investec full 24:23 Investec Focus Radio SA https://iono.fm/e/1695484 https://iono.fm/e/1695484 Host Motheo Khoaripe is joined by Paolo Giuricich, Head of Investec Travel, and Otto de Vries, CEO of ASATA, to explore how the travel industry navigates air travel disruptions, and what it means for you as a traveller.
From operational chaos to extraordinary collaboration, and a powerful story of one family’s journey home, this conversation reveals a simple truth: travel works best when everything goes right, but its true value shows when everything goes wrong.
Topics covered:
● How global conflict disrupts air travel systems
● What happens when major travel hubs shut down
● The role of travel advisors during crises
● Why travel insurance matters more than you think
● A real-life story of resilience, uncertainty, and getting home

00:00 Introduction
01:10 How global conflict affects air travel
02:05 What did airspace closures in the Middle East mean for travellers?
06:03: Managing safety and expectations during airspace closures
07:15 How Investec helped customers stranded due to airspace closures
09:16 Behind-the-scenes crisis management during global travel disruption
10:50 The role of relationships within the travel industry
12:55 How travel insurance works during global travel disruption
16:37 A family stranded in Doha: How Investec helped
24:37 Benefits of using a travel advisor
26:37 Key takeaways from airline disruption management
28:17 Conclusion Investec Focus Radio SA]]> Business Tue, 14 Jul 2026 06:00:00 +0200 0 0 Everything Counts | Episode 51: Managing global travel disruption 0 0 Investec full 29:05 Investec Focus Radio SA https://iono.fm/e/1695517 https://iono.fm/e/1695517 Investec Focus Radio SA]]> Business Mon, 13 Jul 2026 09:40:00 +0200 0 0 Macro Monday Ep123: Headwinds and tailwinds for global growth 0 0 Investec full 9:06 Investec Focus Radio SA https://iono.fm/e/1692662 https://iono.fm/e/1692662 Investec Focus Radio SA]]> Business Mon, 06 Jul 2026 10:49:00 +0200 0 0 Macro Monday Ep122: Markets have a good first half of the year 0 0 Investec full 9:03 Investec Focus Radio SA https://iono.fm/e/1692656 https://iono.fm/e/1692656
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 06 Jul 2026 10:20:00 +0200 0 0 S04 Ep41 Energy Market Update: Crude oil flows remain resilient despite Gulf risk 0 0 Investec full 3:30 Investec Focus Radio UK https://iono.fm/e/1691134 https://iono.fm/e/1691134 At the halfway point of 2026, growth has been stronger than feared and inflation has cooled, but not enough. Central banks remain cautious while energy markets are still exposed to Middle East disruption.

For South Africa, the global backdrop feeds directly into the rand, inflation, capital flows, commodity prices and the Reserve Bank’s room to move.

In the latest episode of No Ordinary Wednesday, Jeremy Maggs speaks to Investec economists Ryan Djajasaputra and Annabel Bishop about what could shape the second half of the year.

They discuss global growth, interest rates, fiscal credibility, South Africa’s investment case and the under appreciated risk of El Niño.
Read more on www.investec.com/now

Key highlights:

00:00 - Introduction
01:34 - Why inflation and interest rates surprised markets
04:26 - Global growth: Resilience amid uncertainty
06:13 - What global trends mean for South Africa
09:10 - South Africa's structural growth challenges
10:46 - Rethinking emerging markets
14:08 - Fiscal policy, debt and investor confidence
18:59 - The biggest global and local risks ahead
22:06 - South Africa's outlook: Risks and opportunities
24:57 - The key global indicators to watch
26:16 - South Africa's economic outlook Investec Focus Radio SA]]> Business Wed, 01 Jul 2026 06:00:00 +0200 0 0 NOW Ep 130 | Global economy: mid-year health check 0 0 Investec full 28:41 Investec Focus Radio SA https://iono.fm/e/1690302 https://iono.fm/e/1690302 So how do they turn short careers into long-term financial security?
In Part 2 of the Everything Counts: Sports Edition Wrapped episodes, host Motheo Khoaripe is joined by Springbok World Cup winner and Investec Sports head Schalk Brits, Investec financial adviser Vumi Dludlu, and wealth manager Moses Bokaba. Together, they unpack what athletes can do to move beyond simply earning money and start building lasting wealth.
From investing and retirement planning to family responsibilities, financial structures and life after sport, this conversation explores the practical decisions that can help turn income into long-term security.
In this episode:
✔ Why a first contract should trigger structure, not lifestyle inflation
✔ Why saving alone isn't enough to build wealth
✔ The importance of liquidity, investing and long-term planning
✔ How financial strategies differ across sports and career paths
✔ Why athletes need tailored financial advice
✔ Preparing for life after sport before retirement arrives
✔ Building wealth that can support future generations
While the examples come from sport, the lessons apply to anyone looking to make smarter financial decisions and build a more secure future.

00:00 Introduction
01:05 What athletes should do after signing a first major contract
04:50 Common money mistakes athletes make early in their careers
06:12 Why saving is not enough to build wealth
09:27 Liquidity, investing and long-term financial planning
12:20 Why athletes need tailored financial strategies
15:20 Financial planning for footballers, golfers, rugby players and Paralympians
15:53 Managing international careers and overseas income
16:22 Planning for life after sport
17:20 Retirement, identity and purpose beyond competition
18:05 Investing in yourself through education and skills
18:34 Building wealth that lasts for future generations
19:21 Final financial lessons and practical takeaways
20:22 Conclusion Investec Focus Radio SA]]> Business Tue, 30 Jun 2026 00:06:00 +0200 0 0 Everything Counts | Sports Edition wrapped: How athletes turn short careers into long-term wealth 0 0 Investec full 21:23 Investec Focus Radio SA https://iono.fm/e/1690447 https://iono.fm/e/1690447
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 29 Jun 2026 09:48:00 +0200 0 0 S04 Ep40 Energy Market Update: Oil markets stay calm as US-Iran tensions flare again 0 0 Investec full 5:41 Investec Focus Radio UK https://iono.fm/e/1690442 https://iono.fm/e/1690442 Investec Focus Radio SA]]> Business Mon, 29 Jun 2026 09:33:00 +0200 0 0 Macro Monday Ep121: The three factors weighing on commodities 0 0 Investec full 8:08 Investec Focus Radio SA https://iono.fm/e/1690057 https://iono.fm/e/1690057
Chapters:
00:00 Intro
01:58 What Mark is up to today
03:28 Leadership lessons
04:49 Mark's corporate transformation playbook
06:35 Leading through crises
10:37 Improving mine safety
12:14 Changing the mining narrative
14:52 Mining's greatest opportunity and risk
17:52 Mining's shift back to growth
19:40 Why mining needs scale to attract capital and innovate
22:47 How Africa can unlock critical minerals investment
25:36 The challenges of building a downstream industry
27:41 Quick-fire questions
29:29 Conclusion Watch videos · Investec Focus Radio SA]]> Business Fri, 26 Jun 2026 15:43:00 +0200 0 0 Investec Minds Ep 2: Anglo's Mark Cutifani on the decisions that define a career 0 0 Investec full 31:09 Investec Focus Radio SA https://iono.fm/e/1688138 https://iono.fm/e/1688138
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 22 Jun 2026 11:19:00 +0200 0 0 S04 Ep39 Energy Market Update: Brent falls below $76/b after Initial U.S.–Iran agreement 0 0 Investec full 6:11 Investec Focus Radio UK https://iono.fm/e/1688118 https://iono.fm/e/1688118 Investec Focus Radio SA]]> Business Mon, 22 Jun 2026 10:48:00 +0200 0 0 Macro Monday Ep120: New Fed chief commits to price stability 0 0 Investec full 9:56 Investec Focus Radio SA https://iono.fm/e/1686434 https://iono.fm/e/1686434 As technology changes what employers need, higher education faces a sharper test - not whether it can produce graduates, but whether it can prepare people to think, adapt and contribute to an economy being reshaped in real time.

In this episode of No Ordinary Wednesday, our host Jeremy Maggs, Jerome September, Dean of Student Affairs at Wits University and Lesley-Anne Gatter, Global Head of People & Organisation, examine what future readiness means for universities, employers and South Africa’s growth prospects.

Listen to the full conversation to find out more.

Read more on www.investec.com/now Investec Focus Radio SA]]> Business Tue, 16 Jun 2026 13:53:00 +0200 0 0 NOW Ep129: What the future of work means for today’s students 0 0 Investec full 21:51 Investec Focus Radio SA https://iono.fm/e/1685989 https://iono.fm/e/1685989 Investec Focus Radio SA]]> Business Mon, 15 Jun 2026 11:00:00 +0200 0 0 Macro Monday Ep119: Markets welcome reports of peace deal 0 0 Investec full 11:15 Investec Focus Radio SA https://iono.fm/e/1685960 https://iono.fm/e/1685960
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 15 Jun 2026 10:05:00 +0200 0 0 S04 Ep38 Energy Market Update: Brent crude drops below $83 as US-Iran deal raises hopes for Gulf shipping recovery 0 0 Investec full 3:25 Investec Focus Radio UK https://iono.fm/e/1685778?v=1 https://iono.fm/e/1685778?v=1 So why do so many still struggle financially after retirement?
In this episode of Everything Counts: Sport's Edition, Motheo Khoaripe quizzes former Springbok and Investec head of Sports, Schalk Brits, financial adviser Vumi Dludlu, and Wealth Manager Moses Bokaba on the financial realities athletes face behind the scenes.
From sudden wealth and career-ending injuries to family pressure, lifestyle inflation and planning for life after sport, the conversation explores the money challenges that don't make the headlines.
Whether you're a professional athlete, entrepreneur or simply trying to make smarter financial decisions, the lessons in this discussion apply far beyond sport.
In this episode:
✔ Why earning more doesn't automatically create wealth
✔ The biggest financial mistakes athletes make
✔ How to prepare for retirement while still competing
✔ Managing pressure from family, friends and lifestyle expectations
✔ Building a trusted team of financial experts
✔ Turning short-term income into long-term wealth

00:12 Introduction
01:50 Why athletes need to prepare financially for retirement
04:10 The role of financial advisers in an athlete's career
07:00 The psychology of money management in professional sport
09:30 Building the right financial team
11:12 Managing wealth during a limited earning window
15:00 Making your money work harder through investing
16:24 Why financial literacy matters in sport
18:07 Discipline in sport versus discipline with money
19:31 Avoiding common financial mistakes
23:00 Managing social and lifestyle spending pressures
25:07 The impact of financial stress on performance
26:58 Estate planning and family financial conversations
28:22 Managing local and international income streams
30:25 Long-term financial planning for athletes
32:20 Conclusion Investec Focus Radio SA]]> Business Mon, 15 Jun 2026 06:00:00 +0200 0 0 Everything Counts | Sports Edition wrapped: Financial literacy and sport 0 0 Investec full 32:56 Investec Focus Radio SA https://iono.fm/e/1683630 https://iono.fm/e/1683630
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 08 Jun 2026 10:44:00 +0200 0 0 S04 Ep37 Energy Market Update: Brent nears $98 as Iran-Israel tensions rekindle supply fears 0 0 Investec full 3:57 Investec Focus Radio UK https://iono.fm/e/1683614 https://iono.fm/e/1683614 Investec Focus Radio SA]]> Business Mon, 08 Jun 2026 10:07:00 +0200 0 0 Macro Monday Ep118: US economic data point to higher interest rates 0 0 Investec full 9:59 Investec Focus Radio SA https://iono.fm/e/1682933 https://iono.fm/e/1682933 KEY MOMENTS:
00:00: Introduction to Wine in Focus
00:38 Recognising the storms in Western Cape Winelands
00:58: Introduction to guests
01:56: The start of the wine journey for Wikus and Roy
04:02: Collecting wine for investment or consumption
05:00: How do you know that a wine is worth aging?
06:08: How sommeliers keep personal tastes at bay
07:03: Never buy one bottle at a time: Lessons on purchasing
08:00: The risks associated with investing in wine
09:51: Liv-Ex Fine Wine 1000 Index: Wine returns on the sharp decline
11:11: The reason behind falling wine prices
13:17: “En primeur” explained: buying wine still in the barrel
15:29: Wine regions and wine varietals worth noting
17:22: 2014 and 2023 deemed poor vintages but not across the board
17:44: SA offers quality and affordability
19:22: A sommelier’s observations on changing wine behaviour
20:50 When to drink a wine and when to hold onto it?
21:57: The future of SA’s wine market
23:49: One wine moment that Wikus and Roy will never forget
26:46: Outro Wine in Focus series page · Investec Focus Radio SA]]> Business Thu, 04 Jun 2026 21:40:00 +0200 0 0 Wine as an asset: what collectors look for 0 0 Investec full 27:20 Investec Focus Radio SA https://iono.fm/e/1682033 https://iono.fm/e/1682033
In this episode of No Ordinary Wednesday, Investec Treasury Economist Tertia Jacobs and Head of Supply Chain Dylan Govender look at the forces reshaping Sino-South Africa trade and explore what these changes mean for local businesses and the broader economy.

Read more on www.investec.com/now

Chapters:
00:00 – Introduction
01:21 – The evolution of SA-Sino trade relations
02:38 – Will the zero-tariff trade deal change this asymmetry?
05:13 – New China export rules could impact SA exporters
06:40 – How SA is walking the tightrope of politics and trade
09:08 – The added complexity of BRICS
10:36 – South Africa must diversify imports of finished goods
12:16 – Investec wants the deadline of compliance to be extended
13:01 – Impact of China’s slowing economy on South Africa
15:13 – Businesses need sufficient working capital to get through delays
15:50 – The nature of Sino-SA relations over the next five years
17:40 – Closing Investec Focus Radio SA]]> Business Wed, 03 Jun 2026 06:00:00 +0200 0 0 NOW Ep 128 : The dragon’s new terms 0 0 Investec full 18:29 Investec Focus Radio SA https://iono.fm/e/1681459 https://iono.fm/e/1681459 That is one of the earliest money lessons Investec ambassador SA soccer midfielder playing for Mamelodi Sundowns and Bafana Bafana Teboho Mokoena learned growing up in Bethlehem – and it has shaped the way he thinks about football, family and financial freedom.
In this episode of Everything Counts: Sports Edition, Teboho shares how he went from earning his first salary of R3 500 a month to navigating bigger contracts, money mistakes, lifestyle pressure and the responsibility of building generational wealth.

He opens up about:
• The childhood lessons that shaped his money mindset
• What changed when football became a career
• The pressure that comes with earning more, quickly
• Money mistakes, including chasing fast returns
• Why financial literacy matters for footballers
• His plans for life after football
• Giving back to young players in Bethlehem
This is more than a football story. It is a conversation about discipline, responsibility and learning how to make success last.

Watch now and subscribe to Investec Focus Radio for more conversations that prove: when it comes to money, everything counts.

00:00 Introduction
00:45 Growing up in Bethlehem
01:56 Money lessons Teboho Mokoena learned from family
05:03 When football became a career
06:00 Making money as an athlete
06:33 Becoming a professional footballer
08:46 Teboho Mokoena on joining Mamelodi Sundowns
11:07 How family changed Teboho Mokoena’s money mindset
11:45 Teboho Mokoena’s money philosophy
12:10 Is there enough financial literacy for athletes in South Africa?
16:20 Teboho Mokoena’s time as an Investec ambassador
19:02 Managing money and pressure as a footballer
21:40 How Teboho Mokoena supports his hometown community
23:10 Plans for life after football
24:05 Teboho Mokoena’s financial advice for young people
26:06 Conclusion Investec Focus Radio SA]]> Business Tue, 02 Jun 2026 06:00:00 +0200 0 0 Everything Counts: Sports Edition | Teboho Mokoena - How Teboho Mokoena learned to respect money 0 0 Investec full 27:15 Investec Focus Radio SA https://iono.fm/e/1681421 https://iono.fm/e/1681421 Investec Focus Radio SA]]> Business Mon, 01 Jun 2026 11:02:00 +0200 0 0 Macro Monday Ep117: Tech sector lifts emerging markets 0 0 Investec full 11:26 Investec Focus Radio SA https://iono.fm/e/1681401 https://iono.fm/e/1681401
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 01 Jun 2026 10:12:00 +0200 0 0 S04 Ep36 Energy Market Update: Oil rebounds as US-Iran ceasefire deal faces fresh hurdles 0 0 Investec full 4:07 Investec Focus Radio UK https://iono.fm/e/1679586 https://iono.fm/e/1679586
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Tue, 26 May 2026 10:30:00 +0200 0 0 S04 Ep35 Energy Market Update: Brent volatile amid Iran talks and fresh Middle East strikes 0 0 Investec full 3:45 Investec Focus Radio UK https://iono.fm/e/1679188 https://iono.fm/e/1679188 Investec Focus Radio SA]]> Business Mon, 25 May 2026 10:19:00 +0200 0 0 Macro Monday Ep116: Don’t expect much lower energy prices soon 0 0 Investec full 11:18 Investec Focus Radio SA https://iono.fm/e/1678010 https://iono.fm/e/1678010 In this episode of Wine in Focus, Palesa Mapheelle is joined by local wine doyenne, Michael Fridjhon and Wine Master and international judge, Heidi Makinen.
Together, they explain the rigorous judging process of the Investec Trophy Wine Show, what they look for in a winning wine, how to navigate judges’ disagreements and the importance of wine competitions to the local wine industry.
KEY MOMENTS:
00:00: Intro
00:38: Recognising the devastating storms suffered by the Western Cape winelands
01:47: Why are competitions necessary?
03:23: Comparing Investec Trophy Wine Show to other international competitions
04:26: Shaping consumer perceptions
05:43: The mechanics of judging
09:09: Judge’s chemistry
10:07: Explaining a flight of wines
10:34: Finding consensus between judges
13:47: Ensuring judge neutrality
15:14: The importance of blind tasting
18:00: What makes a winning wine?
20:20: SA wine industry transformation over 25 years: from bulk to beautiful
23:13: The Investec Trophy wine show “guarantee”
24:33: When wine turns from interest into a passion and a career
27:00: Outro Investec Trophy Wine Show · Investec Focus Radio SA]]> Business Wed, 20 May 2026 20:47:00 +0200 0 0 Wine in Focus | Inside the judging room: How wines win 0 0 Investec full 27:44 Investec Focus Radio SA https://iono.fm/e/1677391 https://iono.fm/e/1677391
Natural gas, fertilisers, chemicals, shipping routes, aluminium, aviation fuel and global supply chains are all now being affected by the fallout from the Iran war.

In the latest episode of No Ordinary Wednesday, Jeremy Maggs speaks to Investec’s Osa Mazwai and Campbell Parry about why this is increasingly being described as an “everything shock.”
Could this crisis ultimately accelerate the global shift toward electrification, renewables and new energy systems? 
Listen to the full conversation to find out more.

Read more on www.investec.com/now

Chapters:
00:00 - Introduction
01:38 - What makes this crisis different from previous oil shocks?
03:38 - What are markets beginning to price in?
06:00 - Why the Strait of Hormuz matters to global supply chains
08:50 - Will this delay global interest rate cuts?
10:47 - Are geopolitical risk premiums returning to markets?
13:12 - How exposed is South Africa to rising oil prices?
15:38 - Are South Africa’s structural reforms providing a cushion?
17:18 - Where could South Africa and Africa benefit from the crisis?
20:19 - Why energy and infrastructure opportunities matter now
20:30 - How important is logistics reform for South Africa?
22:04 - Rethinking South Africa’s long-term energy mix
23:29 - What might markets still be underestimating?
25:25 - Five years from now: what lasting impact will matter most?
26:21 - Closing remarks Investec Focus Radio SA]]> Business Wed, 20 May 2026 06:00:00 +0200 0 0 NOW Ep 127: The Everything Shock 0 0 Investec full 27:05 Investec Focus Radio SA https://iono.fm/e/1676580 https://iono.fm/e/1676580 From geopolitics and inflation to shifting growth expectations, we separate market noise from the signals that actually matter – and explore how behaviour shapes long-term outcomes.
In this episode, we cover:
• What’s really driving economic uncertainty
• The difference between market noise and meaningful signals
• Why investors make mistakes during volatility
• Whether to stay invested or move to cash
• What “staying the course” looks like
• How to build a disciplined long-term investment strategy
• The role of diversification and offshore investing
Whether you’re new to investing or more experienced, this conversation focuses on what matters when markets feel unpredictable. Subscribe now for more conversations that prove when it comes to money, everything counts.

00:00 Introduction
01:00 What is driving economic uncertainty
02:30 Market noise vs real signals
04:00 How investors react when markets fall
06:00 Stay invested or move to cash
08:30 What “staying the course” really means
10:30 Mistakes new investors make
12:30 When to invest and what to ignore
14:30 What matters when making decisions
16:30 Diversification and offshore investing
18:00 Practical takeaways
19:30 Closing perspective Investec Focus Radio SA]]> Business Tue, 19 May 2026 06:00:00 +0200 0 0 Everything Counts | Episode 47: How to invest during economic uncertainty 0 0 Investec full 18:20 Investec Focus Radio SA https://iono.fm/e/1676865 https://iono.fm/e/1676865
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 18 May 2026 10:34:00 +0200 0 0 S04 Ep34 Energy Market Update: US-Iran talks stall as Hormuz risks grow 0 0 Investec full 5:54 Investec Focus Radio UK https://iono.fm/e/1676850 https://iono.fm/e/1676850 Investec Focus Radio SA]]> Business Mon, 18 May 2026 10:31:00 +0200 0 0 Macro Monday Ep115: Growth comes with inflation 0 0 Investec full 7:57 Investec Focus Radio SA https://iono.fm/e/1675225 https://iono.fm/e/1675225
In episode one, Stephen Koseff, former Group CEO of Investec, joins Nkateko Mathonsi and Ross Krige to reflect on leadership, the opportunities for the banking industry, and the role business has to play in strengthening South Africa’s economic trajectory.

Chapters:
00:00 Intro
02:15 Life after Investec
04:57 Convincing Trevor Manuel about Investec's London listing
06:55 Culture at Investec: Why there aren't any job titles
08:24 Lessons on expanding abroad
12:10 Investec's UK and Australian expansion
14:12 Continuity announcement
15:03 The one year Stephen would revisit
15:45 A 10-year view on the SA banking sector
19:12 Have South African banks got their heads around the Africa opportunity?
20:33 How corporate South Africa can make a difference
25:15 South Africa’s moment: cautious optimism takes hold
27:11 If Stephen Koseff were president: fix infrastructure, unlock partnerships
29:03 Outro Watch the video version of this podcast · Investec Focus Radio SA]]> Business Wed, 13 May 2026 05:21:00 +0200 0 0 Investec Minds ep1: Stephen Koseff on building capital, culture and country 0 0 Investec full 30:39 Investec Focus Radio SA https://iono.fm/e/1674456 https://iono.fm/e/1674456
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 11 May 2026 10:20:00 +0200 0 0 S04 Ep33 Energy Market Update: Oil prices climb as Iran deal is rejected 0 0 Investec full 3:23 Investec Focus Radio UK https://iono.fm/e/1674441 https://iono.fm/e/1674441 Investec Focus Radio SA]]> Business Mon, 11 May 2026 10:03:00 +0200 0 0 Macro Monday Ep114: Markets show resilience despite the conflict 0 0 Investec full 9:12 Investec Focus Radio SA https://iono.fm/e/1672696 https://iono.fm/e/1672696
In the latest episode of No Ordinary Wednesday, we go beyond market headlines to unpack what investors are actually doing in a volatile, news-driven environment.

From trading the news cycle to navigating currency swings and concentrated markets, Investec’s Tinus Rautenbach and Bongani Nhleko share real insights from the Clarity platform, revealing where capital is flowing, how behaviour is shifting, and the risks investors may not see.

Listen now to understand the gap between perception and portfolio reality and what it means for your investment decisions.
Read more on www.investec.com/now

Chapters:
00:00 – Introduction: Markets driven by reaction, not fundamentals
01:43 – How investors react to breaking news
02:27 – Timing the market: speed vs sequencing
03:06 – Market resilience and the fragility of narrow leadership
04:17 – Flight to safety: textbook vs reality
05:54 – Trading the news cycle: does it add value?
06:53 – Diversification in a concentrated market
08:24 – Offshore investing: asset exposure vs currency impact
09:18 – Clarity platform overview (ad break)
09:55 – Sector trends: what investors are buying now
10:46 – Commodities, energy and tech: short-term trade or long-term shift?
12:12 – Beyond equities: rise of cash, crypto and alternatives
13:31 – Investor mistakes in volatile markets
14:31 – Trading frequency: activity vs discipline
16:27 – Positioning for inflation and higher rates
17:47 – Global conflict and the South African portfolio Investec Focus Radio SA]]> Business Wed, 06 May 2026 06:00:00 +0200 0 0 NOW Ep 126: Investing through the noise 0 0 Investec full 19:17 Investec Focus Radio SA https://iono.fm/e/1672564 https://iono.fm/e/1672564
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Tue, 05 May 2026 10:19:00 +0200 0 0 S04 Ep32 Energy Market Update: Strait of Hormuz standoff keeps oil markets on edge 0 0 Investec full 3:18 Investec Focus Radio UK https://iono.fm/e/1669565 https://iono.fm/e/1669565 In this episode of Everything Counts: Sports Edition, Investec ambassador Cheslin Kolbe shares how his journey from humble beginnings to World Cup success shaped his approach to money, discipline and long-term planning.
From early lessons in saving to navigating his first professional pay cheque and learning from financial mistakes, Cheslin reflects on what it takes to build lasting financial security in a short and unpredictable career.

In this episode, we cover:
• Growing up with limited resources and learning to save
• The reality of earning as a young professional athlete
• Financial mistakes and lessons learned along the way
• The importance of investing and long-term planning
• Preparing for life after sport for athletes
• Teaching the next generation about money
This is more than a sports story – it’s a conversation about discipline, responsibility and building a future beyond the game.
If you care about:
• Financial literacy
• Career longevity
• Building wealth over time
• Learning from real-life money mistakes
this episode is for you.
Watch now and subscribe to Investec Focus Radio for more conversations that prove when it comes to money, everything counts.

00:00 Introduction
01:00 Early financial lessons
02:55 Sporting ambitions
06:30 First pay cheque and purchases
08:00 Lessons from early spending
09:09 Financial planning and moving abroad
10:30 Planning for life after sport
12:32 Locker room money conversations
13:50 Key financial principles
19:23 Money mistakes
21:55 Teaching children about money
24:00 Advice for athletes
25:00 Conclusion Investec Focus Radio SA]]> Business Tue, 05 May 2026 06:00:00 +0200 0 0 Everything Counts: Sports Edition | Cheslin Kolbe - From first pay cheque to financial discipline 0 0 Investec full 27:44 Investec Focus Radio SA https://iono.fm/e/1672117 https://iono.fm/e/1672117 Investec Focus Radio SA]]> Business Mon, 04 May 2026 10:28:00 +0200 0 0 Macro Monday Ep113: Markets look through the energy shock 0 0 Investec full 8:47 Investec Focus Radio SA https://iono.fm/e/1670032 https://iono.fm/e/1670032
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 27 Apr 2026 10:10:00 +0200 0 0 S04 Ep31 Energy Market Update: Strait uncertainty fuels volatility in energy markets 0 0 Investec full 4:53 Investec Focus Radio UK https://iono.fm/e/1667663 https://iono.fm/e/1667663 Investec Focus Radio SA]]> Business Mon, 20 Apr 2026 10:15:00 +0200 0 0 Macro Monday Ep112: Markets aren’t pricing in ‘stagflation’ 0 0 Investec full 9:22 Investec Focus Radio SA https://iono.fm/e/1667662 https://iono.fm/e/1667662
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 20 Apr 2026 09:43:00 +0200 0 0 S04 Ep30 Energy Market Update: Volatility returns as markets are caught between diplomacy and disruption 0 0 Investec full 5:19 Investec Focus Radio UK https://iono.fm/e/1665954 https://iono.fm/e/1665954
In the latest episode of No Ordinary Wednesday, Jeremy Maggs is joined by Rudi Dicks, Head of the Project Management Office in the Presidency; Martin Meyer, Head of Energy and Infrastructure Finance at Investec and Ayan Ghosh, Head of Cross-Asset Investment Strategy at Investec, to unpack the reality behind the narrative.

From energy gains to persistent bottlenecks in logistics and municipalities, the discussion examines whether progress is enough to sustain investor confidence and what still needs to shift for capital to follow.
Read more on www.investec.com/now Investec Focus Radio SA]]> Business Wed, 15 Apr 2026 06:00:00 +0200 0 0 NOW Ep125: Capital meets reform | Is South Africa investable again? 0 0 Investec full 30:02 Investec Focus Radio SA https://iono.fm/e/1665313 https://iono.fm/e/1665313 Investec Focus Radio SA]]> Business Mon, 13 Apr 2026 11:21:00 +0200 0 0 Macro Monday Ep111: Global growth and inflation outlooks deteriorate 0 0 Investec full 7:41 Investec Focus Radio SA https://iono.fm/e/1665280 https://iono.fm/e/1665280
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 13 Apr 2026 10:16:00 +0200 0 0 S04 Ep29 Energy Market Update: Fragile calm - Failed Iran talks push oil higher despite ceasefire 0 0 Investec full 3:38 Investec Focus Radio UK https://iono.fm/e/1663436 https://iono.fm/e/1663436
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Tue, 07 Apr 2026 10:59:00 +0200 0 0 S04 Ep28 Energy Market Update: Calm before the storm? Markets hold steady as Iran deadline looms 0 0 Investec full 4:37 Investec Focus Radio UK https://iono.fm/e/1661622 https://iono.fm/e/1661622 In this episode of Everything Counts: Sports Edition, Investec-sponsored SA professional golfer Kaiyuree Moodley shares what it really takes to build a career in professional golf – from funding a career on tour to managing pressure, uncertainty and financial mistakes along the way.
From picking up her first golf club at just four years old to competing on the Sunshine Ladies Tour and Ladies European Tour, Kaiyuree reflects on the financial and emotional realities behind the sport.
She opens up about:
• The true cost of becoming a professional golfer
• Why “making the cut” doesn’t always mean making money
• A costly currency mistake she’ll never forget
• Life as a student-athlete in the United States
• The financial pressures of performing for a paycheck
• Why visibility matters for the future of women’s sport

This is more than a sports story – it’s a conversation about discipline, resilience and building a sustainable career in an unpredictable profession.
If you care about:
• Financial literacy
• Career uncertainty
• Long-term financial planning
• Building a sustainable income
this episode is for you.

00:00 Introduction
01:15 How Kaiyuree Moodley got into golf
03:30 Early sacrifices and family support
06:00 Life as a student-athlete in the U.S.
08:30 The real cost of professional golf
11:00 Why making the cut doesn’t guarantee income
13:00 Kaiyuree Moodley’s biggest money mistake
15:00 The pressure of playing for a paycheck
17:00 Financial realities of women’s sport
19:30 Key money lessons and discipline
22:00 Financial literacy for young athletes
24:00 Closing thoughts

Watch the vodcast now on YouTube and subscribe to Investec Focus Radio for more conversations that prove: when it comes to money, everything counts. Investec Focus Radio SA]]> Business Tue, 07 Apr 2026 06:00:00 +0200 0 0 Everything Counts: Sports Edition | Kaiyuree Moodley on the real cost of professional golf 0 0 Investec full 25:23 Investec Focus Radio SA https://iono.fm/e/1662777 https://iono.fm/e/1662777 CHAPTERS
00:00–09:00: Fracture, grievance and the limits of institutions
09:00–21:00: Power, disconnection and when listening fails
21:00-34:00: Place, community knowledge and what actually works
34:00–48:00: Stories, legitimacy and shaping the future What Next? · Investec Focus Radio SA]]> Business Thu, 02 Apr 2026 18:17:00 +0200 0 0 What Next? Bridging the trust gap 0 0 Investec full 52:16 Investec Focus Radio SA https://iono.fm/e/1662576 https://iono.fm/e/1662576 Investec]]> Business Thu, 02 Apr 2026 11:08:00 +0200 0 0 Iran conflict: Economic shock or sustained disruption? 0 0 Investec full 23:23 Investec Focus Radio UK https://iono.fm/e/1661970 https://iono.fm/e/1661970
Read more on www.investec.com/now Investec Focus Radio SA]]> Business Tue, 31 Mar 2026 20:08:00 +0200 0 0 NOW Ep124: A crude awakening for inflation? 0 0 Investec full 24:02 Investec Focus Radio SA https://iono.fm/e/1661260 https://iono.fm/e/1661260
Markets found some short-term relief as the deadline was extended, first by five days and then by a further ten, with the current deadline now set for the 6th of April. While this suggests some room for diplomacy, the situation remains highly fragile.

The continued disruption in the Strait of Hormuz is still a major concern. It is a critical artery for global oil supply, moving around 16 million barrels per day, which is close to 20% of global demand. Any prolonged closure has significant implications for energy markets.

Looking ahead, uncertainty remains elevated. There is still a risk of further military escalation, including the possible deployment of US ground forces and potential strikes on key Iranian export infrastructure. For now, oil and gas prices are expected to remain under upward pressure.

Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 30 Mar 2026 10:18:00 +0200 0 0 S04 Ep27 Energy Market Update: Brent climbs above $116 as Strait of Hormuz crisis deepens 0 0 Investec full 4:33 Investec Focus Radio UK https://iono.fm/e/1661249 https://iono.fm/e/1661249 Investec Focus Radio SA]]> Business Mon, 30 Mar 2026 10:06:00 +0200 0 0 Macro Monday Ep110: Little sign of a near-term end to the war 0 0 Investec full 8:26 Investec Focus Radio SA https://iono.fm/e/1660848 https://iono.fm/e/1660848 00:00 Predictability is the first enabler
07:30 Transition policy is industrial strategy
15:30 The foundations for future competitiveness is shaped by coordination today
26:30 Examples of effective coalitions What Next? An Investec-Cambridge podcast series · Investec Focus Radio SA]]> Business Fri, 27 Mar 2026 16:30:00 +0200 0 0 What Next? | Making the transition investable 0 0 Investec full 35:37 Investec Focus Radio SA https://iono.fm/e/1660234 https://iono.fm/e/1660234 Investec Investor Relations]]> Business Thu, 26 Mar 2026 09:31:00 +0200 0 0 Pre-close Conference Call 19 March 2026 0 0 Investec full 18:52 Investec Results https://iono.fm/e/1658840 https://iono.fm/e/1658840
In this conversation, we break down:
● The increase in the tax-free savings annual limit to R46,000
● The higher retirement fund deduction cap and what it means for retirement planning
● How the new tax year creates an opportunity to reset your financial strategy
● Why starting contributions early can significantly boost compounding
● Other budget updates affecting portfolios, including capital gains tax exclusions and offshore investing allowances
Whether you're investing monthly, planning a lump sum contribution, or reviewing your long-term financial strategy, this episode explores practical steps you can take now to stay on track and maximise the new allowances.

00:00 Introduction
01:30 Why does the new tax year matter for investors?
02:45 Big changes from the 2026 Budget Speech
04:00 The new tax-free savings annual limit
06:55 The new retirement fund deduction cap
10:50 2026 tax updates that could affect how portfolios are structured
11:30 How does the 2026 Budget affect offshore investing?
12:40 Tax optimisation tips for the 2026 Budget
14:00 Practical tips for dealing with the 2026 Budget
16:00 Monthly vs lump sum contributions to your tax-free savings account
18:00 Conclusion Investec Focus Radio SA]]> Business Tue, 24 Mar 2026 05:50:00 +0200 0 0 Everything Counts | Episode 44: What the new 2026 tax allowances mean for you? 0 0 Investec full 18:52 Investec Focus Radio SA https://iono.fm/e/1659004 https://iono.fm/e/1659004
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 23 Mar 2026 10:49:00 +0200 0 0 S04 Ep26 Energy Market Update: Energy crisis fears surge as Middle East conflict threatens global supply 0 0 Investec full 4:37 Investec Focus Radio UK https://iono.fm/e/1658967 https://iono.fm/e/1658967 Investec Focus Radio SA]]> Business Mon, 23 Mar 2026 10:07:00 +0200 0 0 Macro Monday Ep109: War increases inflation pressures 0 0 Investec full 9:48 Investec Focus Radio SA https://iono.fm/e/1656871 https://iono.fm/e/1656871 Investec Focus Radio SA]]> Business Wed, 18 Mar 2026 13:21:00 +0200 0 0 What Next? | Reclaiming the future from the algorithm 0 0 Investec full 39:17 Investec Focus Radio SA https://iono.fm/e/1656815?v=1 https://iono.fm/e/1656815?v=1 In the latest episode of No Ordinary Wednesday, Jeremy Maggs is joined by Investec experts in SA and the UK - Callum Macpherson, Phil Shaw and Chris Holdsworth - to unpack what’s really at play.
The conversation explores what could happen if the conflict continues, what key indicators markets are watching and what risks to the global economy are already emerging. Investec]]> Business Wed, 18 Mar 2026 12:09:00 +0200 0 0 Middle East conflict: Counting the cost of disruption 0 0 Investec full 20:35 Investec Focus Radio UK https://iono.fm/e/1656582 https://iono.fm/e/1656582 In the latest episode of No Ordinary Wednesday, Jeremy Maggs is joined by Investec experts in SA and the UK - Callum Macpherson, Phil Shaw and Chris Holdsworth - to unpack what’s really at play.
The conversation explores what could happen if the conflict continues, what key indicators markets are watching and what risks to the global economy are already emerging.
Read more on www.investec.com/now Investec Focus Radio SA]]> Business Tue, 17 Mar 2026 19:19:00 +0200 0 0 NOW Ep123: Middle East conflict | Counting the cost of disruption 0 0 Investec full 23:17 Investec Focus Radio SA https://iono.fm/e/1655860 https://iono.fm/e/1655860
Over the weekend, attention shifted to Iran’s Kharg Island export terminal, after Trump claimed nearby military facilities had been destroyed and suggested the oil terminal could also be targeted. Such an escalation could severely curtail Iranian exports and trigger retaliatory attacks on Gulf energy infrastructure. With continued strikes and limited reserve buffers, Brent has rebounded above $100/b, and further upward pressure remains likely.

Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 16 Mar 2026 10:53:00 +0200 0 0 S04 Ep25 Energy Market Update: Brent surges toward $120 before volatile retreat 0 0 Investec full 4:20 Investec Focus Radio UK https://iono.fm/e/1655838 https://iono.fm/e/1655838 Investec Focus Radio SA]]> Business Mon, 16 Mar 2026 10:08:00 +0200 0 0 Macro Monday Ep108: Disconnect between energy and equity markets 0 0 Investec full 11:26 Investec Focus Radio SA https://iono.fm/e/1655180 https://iono.fm/e/1655180 CHAPTERS:
00:00 Why Philanthropy Matters in a World of Systemic Challenges
11:49 Catalysing Markets, Changing Systems
19:55 Trends, Risks and the Future of Philanthropic Capital
29:18 Leadership for the Long Term: What Works, What’s Next What Next? An Investec-Cambridge podcast series · Investec Focus Radio SA]]> Business Fri, 13 Mar 2026 07:02:00 +0200 0 0 What Next? | How philanthrophy can fuel economic transformation 0 0 Investec full 40:59 Investec Focus Radio SA https://iono.fm/e/1653682 https://iono.fm/e/1653682 From scholarships and setbacks to smart contracts and long-term investing, this is a conversation about resilience, financial literacy and legacy.
If you care about:
• Generational wealth
• Financial discipline
• Building long-term financial security
• Smart money decisions under pressure

This episode is for you.
Watch now and subscribe to Investec Focus Radio for more conversations that prove: when it comes to money, everything counts.

00:00 Introduction
01:20 Mpumelelo Mhlongo‘s home life and starting to learn about money
04:15 The financial sacrifices that Mpumelelo Mhlongo’s family had to make
06:00 Mpumelelo Mhlongo’s academic journey and the financial implications
08:10 Mpumelelo Mhlongo’s early money management lessons
11:30 Athlete money management: Questions young people should ask themselves
13:00 What did Mpumelelo Mhlongo do with his first big paycheque?
14:10 The pressure to build a financially secure future for your family
15:30 Mpumelelo Mhlongo on financial discipline and money weak spots
16:30 Mpumelelo Mhlongo on his wife and early financial planning moments
17:50 Mpumelelo Mhlongo and his career in finance
19:30 Key lessons Mpumelelo Mhlongo has learned in his time at Investec
20:30 How important is money management as an athlete?
22:00 Athletes and money: What conversations are happening?
24:00 Key money management lessons from Mpumelelo Mhlongo
26:00 Mpumelelo Mhlongo on money mistakes
27:00 Charitable organisations that Mpumelelo Mhlongo works with
29:30 Mpumelelo Mhlongo on how grateful he is to his coach
31:00 Conclusion Investec Focus Radio SA]]> Business Tue, 10 Mar 2026 06:00:00 +0200 0 0 Everything Counts: Sports Edition | How Mpumelelo Mhlongo invested his first pay cheque 0 0 Investec full 30:26 Investec Focus Radio SA https://iono.fm/e/1653617 https://iono.fm/e/1653617
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 09 Mar 2026 12:04:00 +0200 0 0 S04 Ep24 Energy Market Update: Brent surges past $100 amid escalating Gulf tensions 0 0 Investec full 4:51 Investec Focus Radio UK https://iono.fm/e/1653580 https://iono.fm/e/1653580 Investec Focus Radio SA]]> Business Mon, 09 Mar 2026 10:55:00 +0200 0 0 Macro Monday Ep107: What the surge in energy prices means for the world economy 0 0 Investec full 9:09 Investec Focus Radio SA https://iono.fm/e/1653044 https://iono.fm/e/1653044 In this episode we're joined by educator, leadership thinker and author, Sudhanshu Palsule, Gillian Secrett, Director of Leadership and Culture at CISL and community leader and rector, Richard Springer. Together they examine what many describe as a growing ‘meaning deficit’ in society. They explore how fragmentation, consumerism and polarisation erode our sense of purpose, and discuss how leaders can help rebuild meaning through authenticity, empathy and genuine connection.
Chapters:
00:00 : Why Meaning Matters in Times of Fragmentation
07:00: When Meaning Gets Distorted: Identity, Consumption and Performative Purpose
15:00: Rebuilding Meaning Through Empathy, Shared Space and Human Connection
23:00: Leadership’s Role: Creating the Conditions Where Purpose Can Flourish What Next? An Investec-Cambridge podcast series · Investec Focus Radio SA]]> Business Fri, 06 Mar 2026 10:25:00 +0200 0 0 What Next? | The meaning deficit 0 0 Investec full 32:49 Investec Focus Radio SA https://iono.fm/e/1651923 https://iono.fm/e/1651923
Read more on www.investec.com/now Investec Focus Radio SA]]> Business Tue, 03 Mar 2026 17:57:00 +0200 0 0 NOW Ep122: A new cycle for private equity 0 0 Investec full 19:08 Investec Focus Radio SA https://iono.fm/e/1651268 https://iono.fm/e/1651268
Escalation was recognised as a risk, but a large-scale disruption to Gulf shipping was not the base case. Over the weekend, that calculus changed. Insurance premiums on vessels transiting the Strait reportedly rose sharply or were withdrawn, naval assets were targeted, and conflicting statements around whether the Strait remains fully open have left markets navigating extreme uncertainty.

Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 02 Mar 2026 11:04:00 +0200 0 0 S04 Ep23 Energy Market Update: Strait of Hormuz in focus: What escalation means for global oil 0 0 Investec full 6:53 Investec Focus Radio UK https://iono.fm/e/1651256 https://iono.fm/e/1651256 Investec Focus Radio SA]]> Business Mon, 02 Mar 2026 10:46:00 +0200 0 0 Macro Monday Ep106: What the Strait of Hormuz means for energy prices 0 0 Investec full 10:43 Investec Focus Radio SA https://iono.fm/e/1650457 https://iono.fm/e/1650457 KEY MOMENTS:
00:00 – Setting the Scene: Values in an Age of Disruption
05:42 – Why Values Matter More Than Ever
19:56 – From Words to Action: Making Purpose Real
36:18 – Navigating Politics, Pressure and the Future of Leadership Investec Focus Radio SA]]> Business Fri, 27 Feb 2026 05:49:00 +0200 0 0 What next? | The value of values 0 0 Investec full 48:36 Investec Focus Radio SA https://iono.fm/e/1648654 https://iono.fm/e/1648654
In this episode of Everything Counts, host Motheo Khoaripe is joined by Investec financial adviser Vumi Dludlu and head of adviser enablement Johan Loubser to break down everything you need to know about tax-free savings accounts in South Africa.
They explain:
• What a tax-free savings account (TFSA) actually is
• The annual limit and R500 000 lifetime contribution cap
• What happens if you exceed the TFSA limit
• Why you can’t “catch up” on missed contributions
• The impact of withdrawals on your lifetime allowance
• How TFSAs compare to retirement annuities and regular savings accounts
• Whether opening a TFSA for your child makes sense
If you’re searching for answers about TFSA rules, contribution limits, tax penalties, or how to invest tax-free in South Africa, this episode will give you clear, practical insights to help you make smarter long-term decisions.

00:00 Introduction
01:30 Why tax-free savings accounts were first introduced
02:00 What are tax-free savings?
03:45 Tax-free savings vs regular savings
05:00 What savings products should you pair a tax-free savings account with?
07:00 How do tax-free savings accounts work?
09:00 Tax-free savings account rules South Africa
11:00 Should you upload a lump sum to your tax-free savings account?
12:00 Can you transfer your tax-free savings to another provider?
14:30 Are tax-free savings accounts good for your child’s future
17:20 Can you use tax-free savings as emergency funds?
19:00 How much can you put into a tax-free savings account?
20:00 Conclusion Investec Focus Radio SA]]> Business Tue, 24 Feb 2026 06:00:00 +0200 0 0 Everything Counts | Episode 42: How do tax-free savings accounts (TFSAs) work in South Africa? 0 0 Investec full 20:56 Investec Focus Radio SA https://iono.fm/e/1648819 https://iono.fm/e/1648819 Investec Focus Radio SA]]> Business Mon, 23 Feb 2026 10:27:00 +0200 0 0 Macro Monday Ep105: Trump’s tariff setback 0 0 Investec full 13:49 Investec Focus Radio SA https://iono.fm/e/1648830 https://iono.fm/e/1648830
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 23 Feb 2026 10:23:00 +0200 0 0 S04 Ep22 Energy Market Update: Crude climbs while Europe’s energy prices advance 0 0 Investec full 3:47 Investec Focus Radio UK https://iono.fm/e/1648473 https://iono.fm/e/1648473
This episode looks at the power shifts created by AI and digital systems - asks where real agency still lies.

Hosts Lindsay Hooper and Marc Kahn sit down with Thomas Lingard, who previously founded Unilever’s Global Advocacy team to influence international public policy on sustainable development and who now heads the Centre for Future Generations, to explore where the real opportunity and agency exist to ensure that emerging technologies are used in the best interest of humanity.

The discussion probes how digital power is concentrating, why regulatory systems are struggling to keep pace, and what it would take to steer emerging technologies toward societal benefit rather than narrow commercial gain. Thomas highlights the leadership capacities that now matter most: ethical judgement, systems intelligence, and the confidence to question deterministic narratives about technology.

The episode asks a central question: how do we build an economy where technology strengthens society - and who has the responsibility and agency to shape that path?

In partnership with the University of Cambridge Institute for Sustainability Leadership (CISL) and Investec. Investec Focus Radio SA]]> Business Fri, 20 Feb 2026 18:00:00 +0200 0 0 What Next | The Tech Reckoning: Who Shapes the Next Economy? 0 0 Investec full 32:28 Investec Focus Radio SA https://iono.fm/e/1647685 https://iono.fm/e/1647685 KEY MOMENTS:
00:00: Introduction
01:28: Growing up in art: Legacy, exposure and finding your path
06:54: From artist to advisor: Roles in the ecosystem
10:04: Curating and collaboration: Serving the artist and shaping the narrative
18:38: Challenging the canon: Cross-regional dialogue and disruption
22:12: Access and engagement: Social media and audience power
27:03: No budget: A hypothetical collection
29:35: Conclusion Investec Focus Radio SA]]> Business Wed, 18 Feb 2026 19:55:00 +0200 0 0 Art in Focus Series 2 | Ep 5: Framing African art for the world 0 0 Investec full 31:10 Investec Focus Radio SA https://iono.fm/e/1646568 https://iono.fm/e/1646568
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 16 Feb 2026 10:34:00 +0200 0 0 S04 Ep21 Energy Market Update: Oil swings as U.S.–Iran talks keep markets on edge 0 0 Investec full 3:34 Investec Focus Radio UK https://iono.fm/e/1646537 https://iono.fm/e/1646537 Investec Focus Radio SA]]> Business Mon, 16 Feb 2026 10:05:00 +0200 0 0 Macro Monday Ep104: When AI becomes a risk 0 0 Investec full 12:36 Investec Focus Radio SA https://iono.fm/e/1645944 https://iono.fm/e/1645944
Is this genuine fiscal stabilisation or simply a window of opportunity?
In the latest episode of No Ordinary Wednesday, Jeremy Maggs sits down with Investec’s Chief Economist Annabel Bishop and Treasury Economist Tertia Jacobs to unpack:
• Whether debt has truly peaked
• How meaningful the commodity revenue windfall is
• The risk of further “stealth” tax pressure on households
• Municipal reform and infrastructure momentum
• What it would take to secure a credit-rating upgrade

Read more on www.investec.com/now Investec Focus Radio SA]]> Business Sat, 14 Feb 2026 19:07:00 +0200 0 0 NOW Ep121: Budget Speech 2026 | What’s at stake? 0 0 Investec full 23:59 Investec Focus Radio SA https://iono.fm/e/1645077 https://iono.fm/e/1645077 KEY MOMENTS:
00:00 Introduction
00:49 Meet the guests: Mary, Leila and Sahlah
01:51 Making meaning from heritage and identity
06:08 The creative process, materials and making
08:08 Colour, symbolism and meaning
13:55 Growth, influence and change
19:43 Support, belief and opportunity
21:54 Responsibility, reach and return
28:54 Aspirational acquisitions
30:05 Conclusion Series page for Art in Focus on Investec website · Investec Focus Radio SA]]> Business Thu, 12 Feb 2026 05:04:00 +0200 0 0 Art in Focus series 2 | Ep 4: Art in nurturing identity and heritage 0 0 Investec full 31:38 Investec Focus Radio SA https://iono.fm/e/1643746 https://iono.fm/e/1643746
In this episode of Everything Counts, Motheo Khoaripe explores what it really means to live a global financial life. He’s joined by Dan Buntman, Product Lead for International Banking at Investec, and Bonnie Dalglish, Private Banking Forex Lead, to unpack how South Africans are spending, earning and investing in an increasingly borderless world.

The conversation dives into the explosive growth of online and global shopping, the rise of multicurrency lifestyles, and why so many people feel their money is harder to track than ever before. From foreign income and international subscriptions to offshore investing, travel, and digital nomad life, the episode highlights the hidden costs and blind spots that can quietly erode your finances.

You’ll learn how exchange rates, fees, and payment timing impact your money, why separating currency conversion from spending can be a game changer, and how new banking technology is simplifying global payments behind the scenes. The experts also explain how multicurrency accounts and intelligent routing can help reduce friction, avoid unnecessary conversions, and give you more control when your life stretches across borders.

If your lifestyle, income, or investments are international (or heading that way) this episode will help you understand how to make your global money work harder for you, with less stress and more control.

00:00 Introduction
02:00 How popular is online shopping?
04:00 How are South Africans online shopping overseas?
05:10 Banking allows global shopping
06:10 How are South Africans living and spending across borders?
09:00 What to consider when it comes to multi currency spending
09:30 Buying foreign currency vs global spending
11:00 How banking innovations make international spending easier
12:00 What is a multi currency account?
13:00 The technology behind multi currency accounts
15:15 Benefits of a multi currency account
17:05 How many people are using multi currency accounts?
19:30 Key takeaways for international spending
21:00 Conclusion Investec Focus Radio SA]]> Business Tue, 10 Feb 2026 06:00:00 +0200 0 0 Everything Counts | Episode 41: Global Shopping for South Africans 0 0 Investec full 20:57 Investec Focus Radio SA https://iono.fm/e/1643877 https://iono.fm/e/1643877
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 09 Feb 2026 10:52:00 +0200 0 0 S04 Ep20 Energy Market Update: Oil eases after U.S.–Iran talks, but risks remain 0 0 Investec full 3:14 Investec Focus Radio UK https://iono.fm/e/1643848 https://iono.fm/e/1643848 Investec Focus Radio SA]]> Business Mon, 09 Feb 2026 10:43:00 +0200 0 0 Macro Monday Ep103: PMI numbers point to solid global growth this year 0 0 Investec full 13:15 Investec Focus Radio SA https://iono.fm/e/1642830 https://iono.fm/e/1642830 • Clover Hogan — climate activist and founder of Force of Nature, helping young people turn climate anxiety into action.
• Ravi Naidoo — CEO of the Youth Employment Service (YES) in South Africa, the world’s largest private-sector-funded youth internship programme.

Together, they explore what leadership looks like for a new generation, the myths and realities of youth activism, and how today’s leaders can support young people not just to inherit the future, but to shape it. Investec Focus Radio SA]]> Business Thu, 05 Feb 2026 10:49:00 +0200 0 0 What next? | Young divided and under pressure 0 0 Investec full 1:00:20 Investec Focus Radio SA https://iono.fm/e/1642569 https://iono.fm/e/1642569 KEY MOMENTS:
00:00 Introduction
00:52 Meet the Guests: Antonia, Aaron, and Brett
01:27 Personal journeys into the art world
06:37 Artistic voice, collectors and emerging practice
09:58 Challenges and opportunities for young artists
11:40 The Role of AI and technology in contemporary art
13:11 What makes an artwork an original?
16:25 The Ship of Theseus and art restoration
18:05 Conceptual art and temporal nature
19:24 The Lost Leonardo and authorship
21:30 Found objects and personal narratives
23:47 The future of digital and AI art
25:20 Protecting artists' intellectual property
26:08 Trends and movements in the art market
28:15 Encouraging young collectors
30:28 Dream art collections
32:30 Conclusion Investec Focus Radio SA]]> Business Wed, 04 Feb 2026 16:40:00 +0200 0 0 Art in Focus Series 2 | Ep 3: Whose art is it anyway? 0 0 Investec full 34:02 Investec Focus Radio SA https://iono.fm/e/1642167 https://iono.fm/e/1642167
With water demand in Gauteng at record levels and ageing infrastructure under strain, water has become a material constraint on business continuity, supply chains and long-term competitiveness. For many companies, water security is now as critical as energy security.

In this episode of No Ordinary Wednesday, recorded after an Investec and Proparco water-resilience event, Jeremy Maggs is joined by Dr Sean Phillips, Director-General of the Department of Water and Sanitation; Helen Hulett, water-security advisor; and Melanie Humphries, Head of Sustainable Solutions at Investec.

Together, they discuss how water risk is moving from the margins of ESG into core business strategy, and what practical resilience looks like for South African companies navigating a water-stressed economy.

Key podcast moments:
01:55 - Why Gauteng’s water demand is reaching critical levels
02:57 – Why government is calling for a 40% reduction in water use
04:20 – How municipalities can fund infrastructure amid high non-revenue water
07:44 – How business understanding of water risk has evolved
09:07 – How South African businesses are responding to water risk
10:50 – What Gauteng’s realistic interim water plan looks like
14:21 – What data companies need to invest smartly in water resilience
15:44 – How companies can understand where their water comes from
16:38 – How businesses should think about the return on resilience investment
17:20 – What water solutions businesses are pursuing and where gaps remain
19:16 – How Investec supports technical partnerships on water resilience
19:59 – Where private sector involvement adds the most value
22:38 – What CEOs should stop and start doing about water risk
23:42 – What government needs most from business in the next five years
24:31 – Closing reflections on partnership and opportunity

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]]> Business Wed, 04 Feb 2026 06:00:00 +0200 0 0 NOW Ep 120 | Water risk is business risk 0 0 Investec full 26:09 Investec Focus Radio SA https://iono.fm/e/1641647 https://iono.fm/e/1641647 Investec Focus Radio SA]]> Business Mon, 02 Feb 2026 15:07:00 +0200 0 0 What next? | Changing minds, changing markets 0 0 Investec full 45:27 Investec Focus Radio SA https://iono.fm/e/1641530 https://iono.fm/e/1641530
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 02 Feb 2026 11:18:00 +0200 0 0 S04 Ep19 Energy Market Update: Brent retreats after Iran fears ease 0 0 Investec full 3:50 Investec Focus Radio UK https://iono.fm/e/1641458 https://iono.fm/e/1641458 Investec Focus Radio SA]]> Business Mon, 02 Feb 2026 09:51:00 +0200 0 0 Macro Monday Ep103: Precious metals’ dramatic fall 0 0 Investec full 8:48 Investec Focus Radio SA https://iono.fm/e/1640276 https://iono.fm/e/1640276 KEY MOMENTS:
00:00 Introduction and guest intro
01:36 Personal journeys into the art world
07:19 Strategies for establishing authority
08:21 Discovering and elevating new artists
12:03 Women-led galleries and curatorial perspectives
17:59 Collaboration and support within the art ecosystem
19:10 Building relationships with collectors
21:48 Mentorship and cultivating a community
27:02 Defining an artist
30:51 Curatorial voice and career highlights
31:29 Daily drivers and inspiration
33:41 Art collections and personal favourites
36:49 Dream art acquisitions
38:52 Conclusion and closing remarks Investec Focus Radio SA]]> Business Thu, 29 Jan 2026 05:31:00 +0200 0 0 Art in Focus Series 2 | Ep 2: Women leading the way in art 0 0 Investec full 40:40 Investec Focus Radio SA https://iono.fm/e/1639024 https://iono.fm/e/1639024
In this episode of Everything Counts, Motheo Khoaripe sits down with Investec’s Keshnie July, Lending Product Owner and Lehlogonolo Ramushu, Credit Risk Consultant, to talk about how young professionals can recover from financial missteps and start building a stronger, more intentional money future.

The conversation tackles what it really takes to bounce back after defaulting, overextending yourself or ignoring those dreaded payment reminders. From understanding your credit report, to budgeting realistically, facing debt head on and asking for help when you need it, this episode breaks down the practical steps that make recovery possible.

The episode also touches on separating needs from wants, avoiding impulse-driven debt, navigating “easy credit” offers and making smarter decisions before taking on new financial commitments. As the discussion shifts toward building wealth, the experts share simple, realistic strategies for saving, creating an emergency fund, paying off debt faster and laying the groundwork for long-term financial security.

If you’re a young professional trying to reset your money mindset, get out of debt or turn your first proper salary into something meaningful, this episode will help you move from survival mode to stability and eventually, to growth.

00:00 Introduction
01:00 Debt management: How to bounce back from money mistakes
02:00 How to build better money habits
03:47 Biggest financial mistakes that young adults make
04:50 Affordability assessment: What young professionals should ask before taking on more debt
06:19 What do you do when you run into financial problems?
08:47 Recovering from debt
10:25 Strategies for building wealth in the long term
10:50 The importance of building an emergency fund
11:20 The importance of having savings
12:10 Practical steps for young professionals starting their wealth journey
15:05 Compare savings accounts with good interest rates
15:20 Conclusion Investec Focus Radio SA]]> Business Tue, 27 Jan 2026 06:00:00 +0200 0 0 Everything Counts | Episode 40: Debt management for young professionals 0 0 Investec full 16:05 Investec Focus Radio SA https://iono.fm/e/1638793 https://iono.fm/e/1638793
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 26 Jan 2026 10:22:00 +0200 0 0 S04 Ep18 Energy Market Update: Brent pushes above $66/b on renewed supply risks 0 0 Investec full 3:32 Investec Focus Radio UK https://iono.fm/e/1638751 https://iono.fm/e/1638751 Investec Focus Radio SA]]> Business Mon, 26 Jan 2026 10:17:00 +0200 0 0 Macro Monday ep102 | Are US consumers living beyond their means? 0 0 Investec full 7:22 Investec Focus Radio SA https://iono.fm/e/1637912 https://iono.fm/e/1637912 In the final episode of our Davos Debrief podcast series, Investec Group Chief Executive Fani Titi argues that the defining advantage in today’s global economy is adaptability - the ability of countries and companies to operate amid volatility without waiting for certainty.
Read more on www.investec.com/now Investec Focus Radio SA]]> Business Thu, 22 Jan 2026 20:40:00 +0200 0 0 NOW Ep119: Davos 2026 | Navigating the new disorder 0 0 Investec full 17:01 Investec Focus Radio SA https://iono.fm/e/1637615 https://iono.fm/e/1637615
The views in this podcast are those of the contributors, and don’t necessarily represent those of CISL, the University of Cambridge, or Investec, and should not be taken as advice or a recommendation. Investec]]> Business Thu, 22 Jan 2026 10:11:00 +0200 0 0 S01 E14 What next? Leadership conversations for a better future: Bridging the trust gap 0 0 Investec full 52:16 Investec Focus Radio UK https://iono.fm/e/1636942 https://iono.fm/e/1636942
In episode 2 of our Davos Debrief series, Jeremy Maggs speaks to Lyndon Subroyen, Investec’s Global Head of Digital & Technology, on why AI is a platform shift, not a passing trend, and what that means for strategy, talent and long-term competitiveness.

Key podcast moments:
00:00: Introduction
01:30: Inside Davos: the spirit of dialogue
02:10: AI’s economic promise and the platform shift
03:05: Balancing AI opportunity and disruption
04:22: Innovating fast without crashing: managing AI risk
05:12: From builders to users: how AI diffuses into society
06:06: Investing in people for an AI-augmented economy
07:16: The skills that matter most in an AI world
08:17: Keeping humans in step with rapid technological change
09:23: Rethinking operating models for the future of work
11:44: Cybersecurity, geopolitics and the dark side of innovation
12:58: Governance, ethics and guardrails for AI at scale
14:01: AI as a growth engine for the global economy
15:11: Sector winners and the universal impact of AI
15:36: Emerging markets and the opportunity to leapfrog
17:04: The one question leaders must ask after Davos

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]]> Business Wed, 21 Jan 2026 06:00:00 +0200 0 0 NOW Ep118: AI | From hype cycle to hard choices 0 0 Investec full 18:55 Investec Focus Radio SA https://iono.fm/e/1636752 https://iono.fm/e/1636752
The views in this podcast are those of the contributors, and don’t necessarily represent those of CISL, the University of Cambridge, or Investec, and should not be taken as advice or a recommendation. Investec]]> Business Tue, 20 Jan 2026 09:34:00 +0200 0 0 S01 E13 What next? Leadership conversations for a better future: Making the investable: 0 0 Investec full 35:37 Investec Focus Radio UK https://iono.fm/e/1636276 https://iono.fm/e/1636276
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 19 Jan 2026 10:16:00 +0200 0 0 S04 Ep17 Energy Market Update: Iran-related volatility drives oil higher 0 0 Investec full 3:58 Investec Focus Radio UK https://iono.fm/e/1636252 https://iono.fm/e/1636252 Investec Focus Radio SA]]> Business Mon, 19 Jan 2026 09:44:00 +0200 0 0 Macro Monday Ep101: Big in Japan – not so big in the US 0 0 Investec full 7:45 Investec Focus Radio SA https://iono.fm/e/1636129 https://iono.fm/e/1636129 In episode one of our special Davos Debrief podcast series, host Jeremy Maggs is joined by Chris Holdsworth, Chief Investment Strategist at Investec, to cut through the noise and focus on what really matters for investors.

Podcast key moments:
00:00 - Introduction
01:49 - How should investors interpret the 2026 Global Risks Report findings
02:28 - Does a shift in risk weighting change the thinking around capital allocation and diversification?
03:03 - Are investors underestimating the economic side of global risk?
04:47 - Are investment opportunities and risks in a more multipolar or contested economic order?
05:24 - Where do you see growth potential right now, both in developed economies and in emerging markets?
07:03 - How should investors balance their innovation upside with systemic risk exposure?
08:02 - How do investors think about resilience, whether for portfolios, for businesses or economies?
08:47 - What are the three signals or outcomes that you'll be watching closely at WEF2026?
10:03 - From an investment perspective, how material are positive economic signals from South Africa?
11:55 - What’s the one thing investors should be watching this week when it comes to South Africa's positioning in global portfolios?

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]]> Business Sun, 18 Jan 2026 20:57:00 +0200 0 0 NOW Ep117: WEF2026 | What markets will be watching in Davos 0 0 Investec full 13:45 Investec Focus Radio SA https://iono.fm/e/1635255 https://iono.fm/e/1635255
We speak to Vilas Dhar, President of Patrick J. McGovern Foundation and philanthropist, technologist and advocate for human-centred AI, to discuss the social and political dynamics in an AI-driven world.

The views in this podcast are those of the contributors, and don’t necessarily represent those of CISL, the University of Cambridge, or Investec, and should not be taken as advice or a recommendation. Investec]]> Business Thu, 15 Jan 2026 10:17:00 +0200 0 0 S01 E012 What next? Leadership conversations for a better future: Reclaiming the future 0 0 Investec full 39:17 Investec Focus Radio UK https://iono.fm/e/1634451 https://iono.fm/e/1634451
The views in this podcast are those of the contributors, and don’t necessarily represent those of CISL, the University of Cambridge, or Investec, and should not be taken as advice or a recommendation. Investec]]> Business Tue, 13 Jan 2026 11:08:00 +0200 0 0 S01 E011 What next? Leadership conversations for a better future: Changing minds, changing markets 0 0 Investec full 45:27 Investec Focus Radio UK https://iono.fm/e/1634251 https://iono.fm/e/1634251
In this episode of Everything Counts, host Motheo Khoaripe sits down with Investec’s Keshnie July, Lending Product Owner and Lehlogonolo Ramushu, Credit Risk Consultant, to unpack why so many young people find themselves overwhelmed by debt so early in their careers and what you can do to avoid falling into the debt trap.

From building a healthy credit record without sabotaging your future, to spotting bad deals, understanding unsecured loans and recognising the emotional and social pressures that drive overspending, this conversation takes you inside the real-world decisions that shape your financial life.

You’ll hear why “easy credit” isn’t always your friend, how small habits snowball into big consequences and the practical steps every young professional can take to stay in control, protect their credit score and build a foundation for long-term wealth.

If you’re earning your first salary, navigating credit for the first time or trying to break free from financial stress, this episode will equip you with the clarity and confidence you need to make smarter money decisions.

00:00 Introduction
01:14 Why are so many young people in debt?
02:13 Building a credit record
02:35 The impact of credit decisions
03:48 The marketing of debt
04:27 Unsecured loans and how easy it is to fall into the debt trap
05:03 Importance of reading the fine print
06:14 How much debt is too much?
07:15 Controlling your money habits
07:55 Understanding your finances
09:00 The importance of financial literacy
11:22 Financial mistakes young professionals make
14:36 Financial advice for young professionals: How to spot a bad deal
16:45 The long-term consequences of too much debt
17:20 How debt and credit usage affect your credit score
18:50 What is good debt?
19:50 Debt consolidation and debt review
21:50 Conclusion Investec Focus Radio SA]]> Business Tue, 13 Jan 2026 06:00:00 +0200 0 0 Everything Counts | Episode 39: Young professionals and the debt trap 0 0 Investec full 22:50 Investec Focus Radio SA https://iono.fm/e/1634044 https://iono.fm/e/1634044
Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec]]> Business Mon, 12 Jan 2026 10:24:00 +0200 0 0 S04 Ep16 Energy Market Update: Geopolitics Back in focus ahead of 2026 hedging discussion 0 0 Investec full 5:31 Investec Focus Radio UK