Marking 90 years since the US Social Security Act, this piece explores the global challenges of ageing populations, falling birth rates, pension reform, and retirement sustainability, highlighting shifting demographics, economic impacts, and the urgent need for individuals to save more.

Lindiwe Sebesho, Master Reward Specialist and SARA Exco member, will present “Reward Strategies for Enhancing Client Loyalty and Satisfaction” at the 2025 FPI Professionals Convention, 3–4 November, Sandton Convention Centre. Her session explores values-driven reward strategies to build lasting client relationships.

Kenny Rabson, Discovery Invest CEO, says volatility shouldn’t deter investors from growth assets. Despite global uncertainty, local equities remain attractively valued, reforms support resilience, and emerging markets offer strong prospects. Staying disciplined, diversified, and focused on fundamentals positions investors for long-term gains.

Adriaan Pask, PSG Wealth CIO, says successful intergenerational wealth management blends estate planning, education, and values-driven decisions. Open communication, mentorship, and early financial literacy help younger generations grow and protect assets, ensuring legacies endure through shared vision, strategic planning, and collaboration across generations.

Dr Frank Magwegwe, Nedbank Executive for Financial Wellness, champions “money fitness” as essential for confidence and control in life. Using Nedbank’s free NedFinHealth Calculator, you can assess, improve, and maintain your financial health across spending, saving, borrowing, and planning.

Life cover is a strategic estate planning tool for the wealthy, unlocking liquidity, preserving legacies, and powering trusts. Jaco Gouws explores how intentional design, not luck, ensures wealth endures across generations, turning protection into a powerful legacy instrument.