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Many South Africans who are starting out and trying to find their way in personal finance may be asking the question, “What is short term insurance, and why is it critical to protect my assets?” These are important questions for new investors and must be answered correctly. Unlike long-term policies, such as life or retirement insurance, these policies are designed to provide immediate cover for unforeseen events that could impact your possessions today. The financial experts at Efficient Wealth explain why this type of cover is vital.

The global economy resembles a chessboard, with each region playing its own strategy. Three stories now connect in telling ways: China is battling deflation with a new slogan, India is profiting from discounted Russian crude, and emerging markets are racing back to international bond markets on a wave of investor optimism.

Last week’s headlines highlighted the contrast between technological optimism and geopolitical turbulence. As Alphabet posted a 20% surge in quarterly profits, Tesla saw its profits slide by 23% amid weakening sales and intensifying global competition. The diverging fates of these giants reflect a broader trend: Growth is increasingly tied to digital infrastructure and data, while traditional manufacturing faces mounting pressure from tariffs, input costs, and political realignments.