Whitepapers
By Patrick Mathabeni, Senior Research and Investment Analyst at Glacier by Sanlam
South Africa, November 2024: As we enter 2025, investors are faced with a complex and evolving economic landscape. Key global events, which we saw play out in 2024, such as Donald Trump’s return to the White House, and domestic political shifts, like South Africa’s Government of National Unity (GNU), are shaping the future of markets. These developments bring both challenges and opportunities, underscoring the importance of a strategic investment appr
By Palesa Mokoena, Technical Support Specialist at Glacier Business Development
The Two-Pot Retirement System has brought about major changes to the rules governing retirement funds. The question for many is, “Under the new system, what access will I have to my retirement savings if I am a member of a pension or provident fund, and I resign from my company?”
Before you release even one rand of your client’s funds into the investment market, there are four dimensions, (let’s call them the 4D filter) that provide a good start to the process of turning your client’s investment goals into a tangible financial plan. Sherwin Govender, Business Development Manager at Glacier by Sanlam, explains that the filter helps to establish the client’s reasons for investing; how they should invest; the tax benefits of choosing one solution over another; the level of liquidity required; and the level of risk they could tolerate.
Offshore allocation in investments has been a trending theme in the media, specifically regarding post-retirement investing. There are many benefits of increasing your client’s offshore exposure in post-retirement and the good news is that Sanlam Life has sufficient offshore capacity available for the Glacier Vantage Life Plan (endowment), Glacier Living Annuity and Glacier Investment-Linked Lifetime Income Plan.
“The data in your practice is a gold mine of opportunities that you cannot afford to ignore”, says Rainier van der Nest, Business Development Manager at Glacier. “In this challenging economy and its consequent shrinking number of investors, you cannot afford to miss the opportunities to optimise the data in your practice.”
by Hildegard Wilson, Head of Investment Solutions at Glacier by Sanlam
As we find ourselves firmly entrenched in the year 2024, there are four important things that we need to be aware of as investors as we plot our investment journey. While the political landscape, interest rates, international asset allocation and regulation seem daunting when we think about them, it would be foolhardy to ignore them as investors.
“Invest your money and forget about it, at the very least for five years – that’s how you achieve growth”, says Patrick Mathabeni, Senior Research and Investment Analyst at Glacier Research. He examines the Baillie Gifford Long-Term Global Growth Fund (accessible for investment via the Glacier Long Term Global Growth Feeder Fund, which is available on the Glacier platform), and how it rewards patient investors; those who have essential ingredients for investment growth – time and patience.
At a recent Glacier event for intermediaries, Anton Swanepoel, financial industry expert, author
and director at Trusted Advisors, unpacked the Conduct of Financial Institutions (COFI) Bill and
how advisers should prepare their minds and practices for this industry-changing legislation. “Build
COFI into your practice, and not the other way around”, he says. “This means sharpening the
fundamentals that you already have in place”. A key point of COFI is regarding the issue of suitable
advice, and tied to that is knowing your client and determining their risk profile.