This review unpacks why 2025 delivered exceptional returns for South African investors, and what lies ahead. A must-read for advisers navigating a shifting macro and market environment.

TransUnion’s Q3 2025 Industry Insights Report reveals a cautiously improving credit market, with vehicle finance and credit card usage rising, divergent bank and non-bank lending trends, and elevated delinquencies underscoring the need for strong affordability checks, risk management and early intervention.

OUTsurance has received approval for a secondary listing on A2X Markets from 14 January 2026, giving investors an additional trading venue with lower transaction costs and improved liquidity, while retaining its primary listing on the JSE.

Thomas Berry highlights how disciplined, tax-efficient investing through Retirement Annuities and Tax-Free Savings Accounts helps investors stay the course during market volatility, curb emotional decisions, and benefit from compounding, rand-cost averaging and long-term recovery to secure financial goals over time.

Sean Neethling examines whether surging AI investment signals a market bubble, concluding conditions are not extreme. Using valuation, sentiment and capital-supply signals, he urges investors to prioritise diversification and caution, avoiding overvalued AI and crypto segments while targeting resilient global opportunities.

Amid South Africa’s education crisis, Pridwin Academy earns global recognition after winning Schroders’ Global Charity Competition. Backed by a GBP50,000 donation, the initiative delivers holistic, technology-driven after-school education, empowering boys from under-resourced communities to excel academically and beyond, nationwide impact.