During National Savings Month, Steven Amey explores the urgent need for better savings habits in South Africa and highlights the evolving role of Independent Financial Advisors (IFAs) and Discretionary Fund Managers (DFMs) in guiding retail investors toward long-term financial security.

Exploring the FSCA’s drive toward sustainable finance, this article outlines key developments in ESG disclosure, challenges like greenwashing, and the regulatory steps being taken to align South Africa’s financial sector with global climate and sustainability goals.

Marking 20 years of impact, the Old Mutual Education Trust reflects on South Africa’s education challenges. Head Leonie Sampson calls for bold, collaborative reform—emphasising student-centered support, systemic change, and a future-focused approach to prepare graduates for a rapidly evolving world.

Sanlam’s 2025 Credit Confidence Index reveals stark generational divides in debt and credit behaviour. While Millennials face severe debt stress, Gen X remains hesitant to seek help, and Gen Z shows promising digital literacy and smart credit habits, shaping future resilience.

Kamal Patel of Old Mutual highlights July as a key moment for advisers to reframe life insurance conversations. Mid-year reviews offer a chance to align cover with evolving goals, build trust, and reposition advice as a dynamic, value-driven partnership.

The 2024/25 Adviser Barometer reveals how South African advisers are navigating volatility and disruption. It highlights key trends in firm structure, technology, client servicing, and offshore advice, urging practices to rethink strategy, efficiency, and long-term sustainability amid growing market complexity.