Episodes

  • 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 mins
  • 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 mins
  • 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 mins
  • 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 mins
  • 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 mins
  • 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 mins
  • 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 mins
  • 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 mins