Set against a backdrop of lower overall returns, it is important to ensure that you are incorporating tax-efficient strategies in your broader long-term financial plan which make the most of the existing vehicles and products on offer. Tamryn Lamb, head of Retail distribution at Allan Gray, joins Kaya Bizz to help us understand how to get the most out of our tax-free investment accounts – a timely message as we approach the end of the tax year approaches. Kayafm · Kaya 959

The final month of the tax year is upon us, prompting us to review our finances ahead of filing our returns later this year. This tax year has been particularly challenging for most South Africans, and many of us have had to dip into multiple income streams. Whether you have always had multiple sources of income or have tapped into additional income streams this year, you need to make sure that the correct tax rates are being applied, or you could find yourself facing an unexpected tax bill when tax filing season arrives. Carrie Norden, tax manager at Allan Gray, joins Kaya Bizz to help us avoid this scenario. Kayafm · Kaya 959

Last year was really challenging for most South Africans. We were reminded that life is unpredictable and that our financial circumstances can change at any time, which is why good financial planning is extremely important. The good news is that It’s a new year and we have a new opportunity to take charge of our finances. Allan Gray’s Noluyolo Betela joins Kaya Bizz to tell us how we can give our finances a fresh start by addressing our current money challenges and putting a plan in place to achieve our long-term financial goals. Kayafm · Kaya 959

2020 has been a difficult year for South African households: COVID-19 has meant that many of us have lost some or all of our income, placing additional strain on a country with high levels of debt and unemployment, and a poor culture of saving. As Black Friday approaches, kicking off the annual festive season spending splurge, Tamryn Lamb, head of Retail Distribution at Allan Gray, joins KayaBizz to share some insights and ideas to help us avoid many of the poor financial decisions we often make at this time of the year and improve our financial position as the new year approaches. Kayafm · Kaya 959

While the COVID-19 pandemic has highlighted the need for emergency savings as a buffer against tough times, it has also created anxiety for investors who are worried about their income security and market volatility. As a result, many investors who have been fortunate enough to retain their income streams during the lockdown period are sitting on some extra cash which they may have invested. Nomi Bodlani, head of Strategic Markets at Allan Gray, joins Kaya Bizz to tell why it is a good time to accelerate your long-term investment efforts if you have the means to do so. Kayafm · Kaya 959

We have undoubtedly entered a difficult period for money market funds.

The overnight repo rate of 3.5% is the lowest in South Africa’s history, and offers only a marginal uplift relative to inflation of 3.1% year on year for August 2020. Other market forces are also at work in keeping money market returns low. Thalia Petousis, portfolio manager at Allan Gray, joins Kaya Bizz to explain what this means for investors who have become accustomed to real returns from these low-risk investments. Kayafm · Kaya 959

It is financial planning week – which always serves as a useful reminder to make sure that our financial plans are on track. This year, this task is especially important when we consider that the pandemic has meant that many things haven’t gone according to plan. Investors who are financially resilient are more likely to overcome unexpected hurdles and achieve success in the long run. Marise Bester, a specialist in the Retail Distribution Team at Allan Gray says that anyone can become financially resilient by developing the right habits and adopting a holistic approach. She joins Kaya Bizz to tell us more. Kayafm · Kaya 959

Today is the September equinox - the official start of the new season. Over time it’s easy to accumulate bad financial habits and lose sight of your long-term goals, but the fresh season brings with it an opportunity to spring clean your finances, get your financial house in order and make sure that you are on track. Noluyolo Betela, client relationship manager at Allan Gray, joins us to discuss which financial habits you should toss, and which you should keep. Kayafm · Kaya 959

Today, cautious investors are allocating ever-increasing amounts of their capital to fixed income, including money market, bond and income funds. This is an understandable reaction to a five-year period of poor real equity returns and the increasing uncertainty we face as we live through the COVID-19 pandemic. But is there still a place for real assets in your conservative portfolio? Sean Munsie, portfolio manager at Allan Gray, joins Kaya Bizz to discuss. Kayafm · Kaya 959

A number of studies have concluded that, in general, women achieve better investment outcomes than men. This is largely due to better investor behaviour. In the spirit of Women’s Month, Allan Gray’s Lettie Mzwinila joins Kaya Bizz to touch on some of the reasons why women may have the upper hand when it comes to investing and shares some of the things women can do to improve their chances of long-term investment success. Kayafm · Kaya 959