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The new world disorder: Why SA can no longer be a bystander
It is hard to ignore the feeling that we have been here before: Another United States (US) president threatening tariffs, another Chinese countermeasure, and another shock rippling through markets. But something feels different this time. President Donald Trump’s plan to impose 100% tariffs on virtually all Chinese imports is not just an economic manoeuvre; it is the loudest signal yet that the era of globalisation as we know it is ending. For the past three decades, the world’s economy has been organised around efficiency. Now, it is being reorganised around control. Supply chains are becoming weapons, trade routes bargaining chips, and tariffs tools of ideology rather than economics.
Has monetary policy become too blunt? Lessons for South Africa
Central banks have long warned that setting interest rates is a “blunt tool” for steering economies and inflation. However, this tool is becoming more blunt. As economies evolve structurally, conventional monetary policy is struggling to shape behaviour as it once did. As a result, South Africa (SA) must adapt its expectations and instruments.
Leadership, trade, and the search for value
October has arrived with anticipation. In South Africa (SA), it is the month of examinations, blooming Jacarandas, and a push to finish the year strong. Globally, it is no different: Leaders in the United Kingdom (UK) and Japan wrestle with their futures, while Washington and Brussels spar over the digital economy. Beneath the headlines lies a deeper question: How do nations, companies, and individuals create value in an uncertain world?
How Much Should I Save for Retirement in South Africa? Key Factors to Secure Your Future
It’s a question often asked by many: “How much should I save for retirement in South Africa?” As we grow older, our concern about the answer only deepens. However, this remains one of the most common and crucial questions facing South Africans who aim to be proactive about their financial future.
Retirement may seem like a distant milestone for some, but the sooner you begin preparing, the more comfortable and secure your golden years can be. The financial professionals at Efficient Wealth will discuss.
What Does Financial Planning Include in SA
When planning for your financial future, you should always ask: “What does financial planning include in SA?” This crucial question shapes the way individuals and families prepare to address both their immediate financial needs and achieve long-term stability. Planning for old age isn’t just about preparing for retirement; it's about creating a secure, confident future at every life stage. The qualified experts at Efficient Wealth explain.
Inflation falls but the story is far from over
For the first time in years, South Africa’s (SA’s) inflation is closer to Switzerland’s than Zimbabwe’s. August’s Consumer Price Index slowed to 3.3% year-on-year, comfortably inside the South African Reserve Bank’s (SARB’s) 3% to 6% target and edging towards the lower end. Core inflation remains steady at 3.1%. These figures are far from the double-digit surges of the past, suggesting that monetary policy is finally gaining traction. So, why did the SARB hold the repo rate unchanged at 7.00% in September instead of cutting it again? Policymakers argue that past easing still needs time to filter through. With the rand volatile and SA’s risk premium high, they prefer to wait for inflation to prove that it can stay low.
Scoring own-goals: The incredible cost of being inconsiderate
Economists often talk about “externalities” (the unintended costs or benefits of one person’s choices that spill over onto others). We usually think of carbon emissions or pollution. But South Africa (SA) has a more immediate example: The everyday cost of being inconsiderate. From the traffic light to the boardroom, inconsideration chips away at productivity, erodes trust, and imposes real economic losses.
Eskom, the South African economy’s inflection point
For the first time in more than a decade, South Africans may be entering summer without the fear of load shedding hanging over every family dinner, boardroom meeting, or production line. Earlier this month, Eskom said that it expects no load shedding between September 2025 and March 2026, contingent on keeping unplanned breakdowns under control. Last summer, we saw just 13 days of cuts vs. 176 days the year before: A remarkable turnaround for a utility long synonymous with crisis.
Your Partner in Financial Services
Efficient Wealth provides a host of personal/business related financial services and value added benefits via its own internal resources and in partnership with a number of specialist financial services providers. Our objective is the provision of an array of “best-of-breed” products and services to meet the diverse and ever changing needs of our individual clients as well as their families.
Efficient Financial Services (Pty) Ltd, trading as Efficient Wealth, is an authorised financial services provider, FSP 655
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