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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.
Stabilisation at the bottom
For more than a decade, South Africans have endured declining economic growth, persistent load shedding, and weak governance. Growth in real gross domestic product (GDP) has averaged less than 1% since 2014. It is tempting to think that this decline could continue indefinitely but we have already absorbed the worst shocks. Barring a severe political or service-delivery shock, the probability of a sustained collapse to zero or negative growth is very low.
The power of Retirement Annuities
Discover the power of Retirement Annuities in South Africa. Learn how tax benefits and long-term growth can secure your financial future.
Chips, central banks, and capital
Markets are being pulled in multiple directions: Technology supply chains are under strain, central banks are caught between inflation and growth, and new financial hubs are emerging. Each shift illustrates how politics and policy increasingly shape market outcomes.
What is Short Term Insurance and How Do You Cover Everyday Risks?
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.
How Fiduciary Services Support Estate Planning and Trust Management
Fiduciary services play a critical role in ensuring that your hard-earned wealth is preserved, managed, and passed on to your heirs according to your wishes. From the drafting of wills to the administration of trusts and estates, these services provide peace of mind by protecting your legacy and securing your family's financial future. The expert financial service providers at Efficient Wealth explain.
What is Short-Term Insurance? A Complete Guide for South Africans
In South Africa, short-term insurance is a smart way to manage risks and unexpected costs. Whether it is your car, home, electronics, or travel plans, it ensures that you are not financially burdened when the unexpected happens.
The global economy’s strange crossroads
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.
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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