What’s New

For most of the past 70 years, India was the global economy’s great ‘almost’. It had scale, democracy, and ambition, but never grew. Economists even coined a term for it: The “Hindu rate of growth”, a pace so slow that it feels culturally ordained. Today, something different is happening. And for South African investors, watching from another large, complex, often-frustrated emerging market, India’s story is more than a curiosity; it is a mirror.

Black Friday has become one of the most prominent retail events in South Africa, offering the chance to secure meaningful savings when approached with intention. Rather than viewing it as a period of pressure or financial risk, this season can be used strategically to support your long-term financial wellbeing. At Efficient Group, we believe that confident financial decisions start with clarity, planning and a strong understanding of your priorities. This guide is designed to help you navigate Black Friday in a way that aligns with your broader financial goals.

We often measure success in rands and cents. Whether it is economic growth, the value of our homes, or the number on our payslips, we have come to believe that financial health is about how much we have. But true financial well-being is far more complex. It is not a measure of wealth but of contentment: The ability to live free from financial stress, make confident decisions, and plan for a future that feels secure and meaningful.