Épisodes

  • When employee benefits and advice worlds collide

    When employee benefits and advice worlds collide
    Sep 15 2025
    In the latest episode of Money, Markets, and Masterminds, Citywire South Africa editor Ruan Jooste sits down with Bryan Nicol, independent financial adviser at Freedom Financial Planning; Duane Naicker, corporate partnerships executive at Alexforbes; and Johann Peens, independent employee benefits Specialist and financial adviser, to unpack one of the industry’s most persistent challenges: the messy handover between employee benefits and post-retirement advice.



    From the surge in digital platform usage under the two-pot system to the pitfalls of duplication and over-insurance, the discussion tackles how data sharing, fee transparency, product design, and real financial advice—not just benefit counselling—can transform outcomes for members.

    Tune in for sharp insights on closing South Africa’s retirement savings gap, and why advisers, employers, and providers need to collaborate more closely than ever.
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    45 min
  • Sponsored: How South African institutions are rethinking risk and returns with Investec

    Sponsored: How South African institutions are rethinking risk and returns with Investec
    Sep 3 2025
    In this sponsored episode of Money, Markets and Masterminds, brought to you in partnership with Investec for Institutions, we sit down with Richard Swain, head of institutional coverage at Investec. With more than two decades’ experience across London and South Africa in derivatives, equities and multi-asset solutions, Richard shares his career journey and lessons from navigating two Russian market crises.
    The conversation explores how South African pension funds, life companies, asset managers and hedge funds are adapting to shifting markets, what Regulation 28 reforms mean for allocations, and how innovative structuring and technology — from AI to multi-asset solutions — are shaping the institutional investment landscape.
    Tune in for practical insights on balancing growth, protection and liquidity in a fast-changing world.
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    37 min
  • Are small caps finally having their moment?

    Are small caps finally having their moment?
    Sep 1 2025
    In this Mind over Markets episode of Money, Markets, and Masterminds, Morningstar’s head of investments, Sean Neethling, joins Citywire South Africa to unpack the ‘size debate’.

    From the Russell 2000 index’s rally to South Africa’s cheap but illiquid mid- and small-cap space, we explore whether the recent rotation is a fleeting sentiment-driven trade or a fundamental shift with staying power.

    Tune in below for insights on valuations, risks and what investors should be watching as portfolios adapt to a world of shifting capital flows.
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    18 min
  • Retiring in Africa: Cross-border lessons on building inclusive pension systems

    Retiring in Africa: Cross-border lessons on building inclusive pension systems
    Aug 14 2025
    In this special Money, Markets, and Masterminds roundtable, we take retirement planning beyond South Africa’s borders. Host Ruan Jooste is joined by Mtho Ncube, wealth manager and employee benefits consultant at GTC in Johannesburg; LeRoy Otenyo, employee and retirement benefits consultant at Zamara Group in Kenya; and Edmond Ade, certified financial planner and founder of Premier Private Wealth, with offices in Rwanda and South Africa, for a candid, qualitative look at how employee benefits and pension systems really work on the ground.

    From Rwanda’s government-matched micro-pension scheme to Kenya’s tech-driven push into the informal sector, to South Africa’s fee and access challenges, the panel unpacks shared hurdles – like low coverage and limited financial literacy – and the creative, culturally attuned solutions emerging across the continent. This is a conversation about lessons worth sharing, and how African markets can learn from each other to build more inclusive, sustainable retirement systems.
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    47 min
  • How South Africa can fast-track growth

    How South Africa can fast-track growth
    Aug 13 2025
    In the latest Money, Markets, and Masterminds Long Game episode, economist and investment strategist Adrian Saville shares an evidence-based blueprint for transforming South Africa’s economy. Drawing on six decades of global data, he argues that high savings and investment rates, greater economic openness, and targeted sector development could halve unemployment within five years. From agriculture and tourism to digital banking and business process outsourcing, Saville outlines the practical steps—and public-private partnerships—needed to shift the country from stagnation to sustainable, inclusive prosperity.
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    23 min
  • Mind Over Markets: Is the tide turning for US dominance?

    Mind Over Markets: Is the tide turning for US dominance?
    Aug 4 2025
    Emerging markets are making waves — and South Africa is riding high. In the latest Money, Markets, and Masterminds podcast, Citywire South Africa editor Ruan Jooste is joined by Sean Neethling, Head of Investments at Morningstar South Africa, to unpack why the MSCI EM Index is booming, how global capital is rotating away from the US, and what it means for local portfolios.

    From Latin America to the JSE, and from gold miners to tech giants, this episode explores where the value lies — and whether the so-called end of US exceptionalism is finally here. Neethling also explains Morningstar’s current allocation strategy, which markets they’re overweight, and how they’re balancing risk in a volatile world.
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    20 min
  • What does it really cost to deliver financial advice?

    What does it really cost to deliver financial advice?
    Jul 25 2025
    In this episode of Money, Markets, and Masterminds, Citywire South Africa editor Ruan Jooste is joined by Theoniel McDonald, Head of Financial Planning at Carmel Wealth, senior adviser at Wealth Associates, and a director at the Financial Intermediaries Association. McDonald recently spent eight months building a full cost-to-service model for his practice—and the results, he says, were eye-opening.
    McDonald started by mapping every step of the advice journey using the six-step FPI framework. He identified 72 underlying actions, from prospecting to annual reviews, and linked each to the responsible staff member, time spent, and tools used. This breakdown revealed where tasks could be automated, delegated, or streamlined.
    Listen to the conversation to determine how advisers can calculate the actual cost of doing business.
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    15 min
  • When doing nothing is the smartest move

    When doing nothing is the smartest move
    Jul 21 2025
    In a market obsessed with momentum and noise, standing still can feel like failure. But what if that’s the smartest move? In this episode of Money, Markets, and Masterminds, investment strategist and GIBS professor Adrian Saville returns to unpack the behavioural traps investors fall into, the global macro shifts reshaping portfolios, and why asset allocation—not flashy trades—is still the unsung hero of long-term success.

    From diving goalkeepers to gold allocations and Bitcoin doubts, this one’s for advisers and allocators who want signal, not noise.
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    23 min