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As part of governments attempts to avoid grey-listing earlier this year, some changes were made to the anti-money laundering act. These changes will mean some additional requirements when dealing with financial institutions, as well as stricter regulations for trustees who are outside of South Africa. While these changes are not yet clear, you may want to consider your options in the meantime.

How much do I need for retirement? This is a question that scares many people and not knowing how much you need makes saving for retirement that much more difficult. How long will you live and how much will you spend? While this may be impossible to predict, there are some guidelines you can follow. Most people are not saving enough and only realise when it is too late, but we can help! We have looked at how much you need to save and how to determine if you are on track or falling behind. The earlier you start the better, so read this article and then speak to us.

Over the last 200 years, life expectancy in the developed world doubled and so your time spent in retirement is much longer. In this newsletter we tackle your 'third age', also known as the “golden years” of adulthood, or the age of fulfilment, is defined as the period of active retirement. It's when you have the most time and energy to life live to the fullest, focusing on what matters to you. How does this ‘third age’ impact your current and future financial planning?

The year has started off well, but the global economy continues to face several challenges. High inflation, rising interest rates, to the continued fallout of the Russia-Ukraine war and the energy crisis. Markets tend to look ahead by a year or two, so now the question is whether this bad news is already priced in and will the global investment markets see better news and recovery on the horizon?

2022 is behind us and it is a good time of the year to take stock of what moved markets and how it will affect decision-making going forward. In this article we investigate what impacted the investment environment in 2022 and what it means for investors in 2023

We look at the returns from the past year. Did anything do well?

We look at what major themes affected investments over the year and what are the key risks that lie ahead. What did we expect from 2022 a year ago and what do we expect from 2023?

Experts put the probability of a greylisting at 85% in February next year. This is primarily due to our poor history in investigating and prosecuting corruption and money laundering activities.

Political and Trend Analyst JP Landman gives us an update on the fight against corruption. Are we seeing concrete action and improvement, or is it more promises and patience?