Épisodes

  • Advisers urged to bridge the retirement execution gap

    Advisers urged to bridge the retirement execution gap
    Jul 16 2025
    In the latest episode of Money, Markets, and Masterminds, editor Ruan Jooste speaks with Samukelo Zwane, product head at FNB Wealth and Investments, about the findings of this year’s retirement survey—and what they mean for financial advisers. While awareness around retirement is rising, execution remains weak, and a gap has opened between clients’ confidence and the quality of their plans. Zwane explained why inertia, not apathy, is the biggest threat to retirement readiness, how the two-pot system is reshaping advice, and why a good plan requires more than a checklist—it demands behavioural guidance and the emotional intelligence to meet each client where they are.
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    21 min
  • The psychology of goal-based investing in turbulent times

    The psychology of goal-based investing in turbulent times
    Jul 4 2025
    In the latest episode of Money, Markets, and Masterminds, Citywire South Africa is joined by Roné Swanepoel, head of sales at Morningstar Investment Management South Africa, for a conversation that brings the behavioural side of investing into sharp focus.

    This episode marks the 14th instalment of our Mind Over Markets podcast series with Morningstar and tackles one of the most pressing questions facing advisers and investors right now: How do you stay the course when the world feels like it’s coming apart?

    Swanepoel, who draws on Morningstar’s global research and behavioural frameworks, introduces listeners to the concept of mining for goals – a technique developed by the firm’s behavioural science team to help clients move from vague intentions to specific, emotionally grounded objectives. As she explains, when clients understand why they’re investing — whether it’s freedom, security, or legacy — the noise of the market becomes less distracting.

    This episode is a must-listen for any adviser navigating client conversations in today’s high-noise, low-conviction environment. Whether you’re facing clients spooked by headlines or needing to revisit your planning frameworks, this is a timely reminder that behaviour matters as much as allocation.

    Listen below for more below.
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    15 min
  • The fixed income playbook - risk, rates, and real returns

    The fixed income playbook - risk, rates, and real returns
    Jun 26 2025
    In this episode of Money, Markets, and Masterminds, Citywire South Africa editor Ruan Jooste speaks with Premier Miton’s Global head of distribution, Jonathan Willcocks, and head of fixed income, Lloyd Harris about how the firm is navigating today’s fixed income environment and what it means for South African investors.

    The conversation covers Premier Miton’s Section 65 rollout, portfolio strategy, macro risks, credit markets, ESG integration and how the Premier Miton Strategic Monthly Income Bond fund fits into South African advice models.

    Whether you’re rethinking duration, credit exposure, or income anchors, this episode offers valuable perspectives from one of the UK’s leading boutique managers.
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    26 min
  • Where FSCA and FCA part ways and where they don’t

    Where FSCA and FCA part ways and where they don’t
    Jun 23 2025
    In the second podcast from Citywire’s London studios, Money, Markets, and Masterminds tackles one of the hottest issues in advice today: regulation.

    Citywire South Africa editor Ruan Jooste is joined by Jack Gilbert, editor of sister title Citywire New Model Adviser, to map how the global counterparts – South Africa’s Financial Sector Conduct Authority (FSCA) and the UK’s Financial Conduct Authority (FCA) – are reshaping the landscape.

    The changes include South Africa’s sweeping Conduct of Financial Institutions bill and the UK’s new consumer duty regime, a new set of rules aimed at improving consumer protection in the UK financial services industry.

    Listening to this podcast will give readers insights on tech-driven supervision, finfluencer crackdowns, crypto rules and the data demands coming every adviser’s way.
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    35 min
  • Quality, conviction and calm: Investing through global turbulence

    Quality, conviction and calm: Investing through global turbulence
    Jun 19 2025
    In this episode of Money, Markets, and Masterminds, editor Ruan Jooste sits down with Joseph Stephens, senior analyst at Guinness Global Investors, to unpack how their global equity income and innovation strategies are positioning amid rising tariffs, sector volatility, and shifting investor sentiment. With clarity on dividends, resilience, and risk, the conversation offers timely insight for fund selectors navigating today’s uncertainty. Watch the vodcast version, recorded in London, on www.citywire.co.za.
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    17 min
  • What Monopoly can teach about investing

    What Monopoly can teach about investing
    Jun 11 2025
    What if Monopoly wasn’t just a board game but a behavioural finance simulator? Adrian Saville, MBA professor at Gibs, joins Money, Markets, and Masterminds for the fourth instalment of our ‘Long Game’ series — and it’s not child’s play.

    Citywire South Africa explores how he and his Gibs colleague, Professor Charlene Lew, reimagined the game to mirror real-world investing conditions. Their version introduces income inequality, random shocks, and moral quandaries — all to expose the investor’s greatest risk: themselves.

    From overconfidence and first-order thinking to coalition dynamics and ethical blind spots, Saville shares the hard-hitting insights that have emerged from 15 years of running this simulation with MBA students. Whether you’re an adviser, fund selector, or simply fascinated by financial decision-making, this episode will challenge the way you think about strategy, risk and behavioural finance.
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    24 min
  • Who inherits your client's pension if a minor dies first?

    Who inherits your client's pension if a minor dies first?
    Jun 5 2025
    When a parent passes away, benefits meant for their children often get caught in legal red tape. In this episode, we unpack beneficiary funds, guardianship gaps and why a will may not be enough.

    Fairheads’ chief executive David Hurford (pictured above) joined Citywire South Africa to explore how advisers can protect families from painful – and costly – estate planning oversights.
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    20 min
  • Active vs passive – who’s really winning in SA?

    Active vs passive – who’s really winning in SA?
    May 30 2025
    In this month’s Mind Over Markets episode, we unpack the first ever South African Active/Passive Barometer from Morningstar. Citywire South Africa editor Ruan Jooste sits down with Michael Dodd, senior fund analyst at Morningstar South Africa, to break down which managers outperformed in 2024 — and which ones didn’t make the cut. From local equity and bonds to global property and emerging markets, this data-driven conversation offers selectors and advisers clear direction on when active adds value… and when passive wins hands down. Tune in for more details.
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    15 min