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Rare earth controls, Hong Kong market surge, and US policy turbulence
China’s newly enforced export controls on rare earth elements have begun to disrupt global supply chains significantly. Since introducing the controls in April, exporters must now obtain licences from China’s Ministry of Commerce before shipping seven targeted rare earths or permanent magnets used in sectors ranging from electric vehicles and robotics to renewable energy and military aviation.
Comparing Retirement Annuities vs. Living Annuities for Retirement Planning in South Africa
Retirement planning is often seen as an irritation that can wait until later. However, South Africans face several important decisions that will significantly impact their financial security during their senior years and should face them sooner rather than later.
US-China trade talks offer hope
After months of heightened tariff pressure, the US and China appear to be moving towards de-escalation. US Treasury Secretary Scott Bessent and US Trade Representative Jamieson Greer concluded talks with Chinese Vice-Premier He Lifeng in Geneva, calling the discussions “productive” and a sign of “substantial progress”. The talks resulted in an agreement to establish a bilateral mechanism for continued dialogue. Both delegations emphasised shared interests.
What a Financial Advisor Can Do for You at Different Life Stages
Youth is a wonderful, carefree time, but life’s journey is filled with financial decisions that can significantly impact your future. A financial advisor can be your strategic partner at every step, helping you make informed choices to secure your monetary well-being. Understanding how they can support you over time is essential.
Buffett’s legacy, US labour resilience and China’s economic uncertainty
Esteemed investor Warren Buffett has announced his retirement as CEO of Berkshire Hathaway, effective at the end of the year. Widely respected as the ‘Oracle of Omaha’, Buffett leaves behind a legacy marked by prudent investment principles, long-term vision, and strategic market insights. Under his leadership, Berkshire Hathaway grew from a failing textile company into a global conglomerate with holdings in insurance, energy, railways, and consumer goods.
The economic and strategic case for flexible work in SA
Rethinking commuting – because time and money are being spent without corresponding returns in output. As traffic congestion once again grips South Africa’s metros, it is worth re-evaluating the assumptions underpinning our approach to knowledge work. For businesses that rely on employees in finance, technology, legal services, administration, or other knowledge-based functions, the daily commute increasingly appears to be an inefficient and costly legacy of a pre-digital economy.
Why Income Protection is Essential for Financial Security
There are occasions when some insurance coverage seems nonsensical; however, income protection is certainly not one of them. It is an essential aid for protecting your financial future. Regardless of illness, injury, unexpected retrenchment, or other forms of job loss, your ability to earn an income can be disrupted, often with only a moment's notice.
Navigating the great global reset
We are entering a world of structural change, not cyclical correction. The world is on the cusp of a historic transformation. Rising debt, geopolitical rivalry, and domestic unrest across leading economies signal not just another cycle but a profound shift in the global order. Scholars from Paul Kennedy and Ray Dalio to Fareed Zakaria and Graham Allison have long argued that global systems follow predictable arcs.

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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