Francis Marais, Product Director at Morningstar Investment Management SA unravels the complexities of various savings and investment choices and products, offering actionable insights, and equipping consumers with the knowledge they need to make sound savings investment decisions.

It is amazing how many major events the year has already delivered – and we are only halfway through. Investors would be forgiven for feeling slightly exhausted so early in the year.

Without doubt, we can draw some lessons from previous cycles; most notably, that when interest rates rise, this typically spells trouble for economies and markets.

Multi-asset funds are considered to be well diversified across asset classes, offering both income generation and capital appreciation, depending on the balance of income and growth asset classes.

Nontokozo Madonsela, Group Chief Marketing Officer at Momentum Metropolitan Holdings, believes that South African business leaders need to take the reins and show that they lead with purpose and she recommends a few lessons from Jerry Maguire; a character played by Tom Cruise, in a romantic sports comedy-drama film.

South African enterprises should look at the load shedding crisis as an opportunity to accelerate their move towards sustainable power sources, and thereby advance their environmental, social and governance (ESG) goals.