Welcome to Capital Alchemy! In this episode, host Lerato Lebitsa interviews Lynette Ntuli, CEO of Innate Investment Solutions. Lynette shares her journey from auditing to becoming a leading figure in the property and asset management industry. They discuss the intricate relationship between managing physical assets and fund management with Lynette highlighting the complementary nature of these fields and emphasizing the importance of innovation and value retention.

The conversation also covers South Africa's economic challenges, the implications of VAT changes, and the significance of internal focus for future stability.

Lerato and Lynette wrap up by exploring the broader impacts of economic and political policies on society and the importance of active citizen engagement. Tune in for a comprehensive look at real estate, financial services, and the socioeconomic factors shaping South Africa's future.

00:00 Welcome to Capital Alchemy

00:31 Introducing Lynette Ntuli

01:13 Understanding Asset Management

03:21 Lynette's Journey into Property

06:10 The Evolution of the Property Industry

09:18 Lynette's Role in Thought Leadership

13:43 The Intersection of Finance and Socioeconomics

14:20 Impact of Economic Policies on Daily Life

15:45 Challenges Facing the South African Economy

19:12 Effects on Homeowners and Real Estate

20:01 Impact of VAT on Monthly Budget

20:54 Economic Growth and Inflation Challenges

21:11 Salary Increases and Economic Factors

22:14 Policy Changes and Industry Impact

22:47 Geopolitics and Unemployment

23:16 Stability and Growth Strategies

25:19 Implementation and Nurturing of Policies

29:10 Food Security and Economic Regression

31:59 Global Ambitions vs. Internal Focus

36:53 Conclusion and Final Thoughts

Disclaimer: The views, thoughts and opinions expressed within this podcast are those of the speaker(s) / presenter(s), and not those of Capital International Group Limited (Group) and/or any of its subsidiary companies and as such are neither given nor endorsed by the Group or any company within the Group. 

Information in this podcast does not constitute investment advice or an offer or an invitation by or on behalf of any company within the Group to buy or sell any product or security or to make a bank deposit. 

Any reference to past performance is not necessarily a guide to the future. The value of investments may go down as well as up and may be adversely affected by currency fluctuations. 

The Group, its subsidiary companies, clients, and officers may have a position in, or engage in transactions in any of the investments mentioned. Opinions constitute views as at the date of issue thereof and are subject to change.

Capital International Limited is a subsidiary of Capital International Group Limited and is licensed by the Isle of Man Financial Services Authority. Capital International Limited is a member of the London Stock Exchange. Capital International, Capital International Asset Management, and Capital International Investment Platform are trading names of Capital International Limited.

In this episode of Capital Alchemy, host Lerato chats with Anne Klein from LuciaDeKlein Private Office. Anne shares her extensive career journey, starting in the 1990s with the Department of Justice, working in various law firms, financial institutions, and family office environments. 

They delve into the concepts of family offices, the differences between single and multi-family offices, and the importance of family governance. Anne emphasizes the necessity of having the right advisors and structures in place for successful generational wealth transfer. They also discuss Anne's book, 'Switching Billion-Dollar Conversation Lines,' and its aim to align conversations between families and advisors. The episode highlights the rising role of women in family offices and the significance of structured philanthropic efforts. 

Disclaimer: The views, thoughts and opinions expressed within this podcast are those of the author, and not those of any company within the Capital International Group (CIG) and as such are neither given nor endorsed by CIG. Information in this podcast does not constitute investment advice or an offer or an invitation by or on behalf of any company within the Capital International Group of companies to buy or sell any product or security or to make a bank deposit. Any reference to past performance is not necessarily a guide to the future. The value of investments may go down as well as up and may be adversely affected by currency fluctuations. CIG, its clients and officers may have a position in, or engage in transactions in any of the investments mentioned. Opinions constitute views as at the date of publication and are subject to change.

Regulated investment activities are undertaken by Capital International Group Limited's licensed member companies. Capital International Limited and Capital Financial Markets Limited are licensed by the Isle of Man Financial Services Authority. Capital International Limited is a member of the London Stock Exchange. CILSA Investments (Pty) Ltd (FSP No. 44894) trading as Capital International SA, is licensed by the Financial Sector Conduct Authority in South Africa. All subsidiary companies across both jurisdictions are represented under the Capital International Group brand.

In this episode, host Lerato sits down with Tim Slatter, a communications specialist in the financial industry. In this engaging episode, Tim discusses the importance of communication, social media, and maintaining client relationships within the financial planning profession.

Learn about the vital role of strategic communication, the impact of social media, and the nuances between industry and profession. Tim also delves into effective branding, the five W's and an H of business communication, and the significance of diversification in wealth management. Don't miss this insightful conversation packed with valuable lessons for financial professionals and business owners. 

Disclaimer: The views, thoughts and opinions expressed within this podcast are those of the author, and not those of any company within the Capital International Group (CIG) and as such are neither given nor endorsed by CIG. Information in this podcast does not constitute investment advice or an offer or an invitation by or on behalf of any company within the Capital International Group of companies to buy or sell any product or security or to make a bank deposit. Any reference to past performance is not necessarily a guide to the future. The value of investments may go down as well as up and may be adversely affected by currency fluctuations. CIG, its clients and officers may have a position in, or engage in transactions in any of the investments mentioned. Opinions constitute views as at the date of publication and are subject to change.

Capital International Limited is a member company of the Capital International Group and is licensed by the Isle of Man Financial Services Authority. Capital International Limited is a member of the London Stock Exchange.

In this episode, hosts Lerato Lebitsa and Tatenda Chikombero sit down with the multifaceted Kim Potgieter, an acclaimed author, inspirational speaker, media personality, mentor, and expert financial planner. Kim shares insights from her journey and discusses her best-selling books, “Retiremeant: Get More Meaning from Your Money” and “Midlife Money Makeover,” focusing on the transition into retirement and creating a significant future beyond it. 

Listeners will learn about Kim’s unique approach to financial planning, which integrates psychological principles to foster better relationships with money. She emphasises the importance of planning with purpose, understanding one’s values, and creating habits that lead to financial stability and personal fulfillment within the transition into retirement. Kim also delves into the concept of midlife as a time for reflection and reinvention, offering practical advice for making the most of this stage of life. 

Key topics include: 

Join us for an inspiring conversation that will leave you motivated to take control of your financial future and live a life full of purpose and meaning. This episode is a must-listen for anyone interested in retirement and retirement planning, offering valuable insights and practical advice to help you navigate your financial journey and achieve a secure and fulfilling retirement. Whether you’re just starting to think about retirement or are deep into retirement planning, Kim’s wisdom will guide you towards a more meaningful and financially stable future. 

Disclaimer: The views, thoughts and opinions expressed within the podcast are those of the author / speaker(s) and not those of any company within the Capital International Group (CIG) and as such are neither given nor endorsed by CIG. Information in this podcast does not constitute investment advice or an offer or an invitation by or on behalf of any company within the Capital International Group of companies to buy or sell any product or security or to make a bank deposit. Any reference to past performance is not necessarily a guide to the future. The value of investments may go down as well as up and may be adversely affected by currency fluctuations. CIG, its clients and officers may have a position in, or engage in transactions in any of the investments mentioned. Opinions constitute views as at the date of publication and are subject to change.

Regulated investment activities are undertaken by Capital International Group Limited's licensed member companies. Capital International Limited and Capital Financial Markets Limited are licensed by the Isle of Man Financial Services Authority. Capital International Limited is a member of the London Stock Exchange. CILSA Investments (Pty) Ltd (FSP No. 44894) trading as Capital International SA, is licensed by the Financial Sector Conduct Authority in South Africa. All subsidiary companies across both jurisdictions are represented under the Capital International Group brand.

In this episode, Lerato has the pleasure of speaking with James Quarmby, the esteemed Founding Partner of Private Wealth at Stephenson Harwood LLP. Their discussion revolves around the potential tax changes we might see under a Labour government, and the complexities surrounding the UK domicile rule. James brings his expert knowledge to the table, providing insights into a range of related topics including non dom tax status. 

Throughout this episode, James shares his insights on: 

• What we can anticipate from Labour in terms of tax policy: Expect a deep dive into Labour's proposed tax policies and how they might impact various demographics and the economy overall, especially in relation to non dom status. 

• Whether those with non dom tax status are contributing their fair share: An examination of the current contributions of individuals with non dom tax status and whether they are paying an equitable amount of tax. 

• The potential impact on the UK if non doms were to leave en masse: Consideration of the economic and social ramifications for the UK if a significant number of non doms were to relocate. 

• Whether the UK government should impose taxes on foreign wealth: A debate on the merits and potential drawbacks of the UK government taxing wealth that originates outside of the country, with a focus on non dom tax status. 

 Get ready for a comprehensive discussion on these issues.  

Disclaimer: The views, thoughts and opinions expressed within the podcast are those of the author / speaker(s) and not those of any company within the Capital International Group (CIG) and as such are neither given nor endorsed by CIG. Information in this podcast does not constitute investment advice or an offer or an invitation by or on behalf of any company within the Capital International Group of companies to buy or sell any product or security or to make a bank deposit. Any reference to past performance is not necessarily a guide to the future. The value of investments may go down as well as up and may be adversely affected by currency fluctuations. CIG, its clients and officers may have a position in, or engage in transactions in any of the investments mentioned. Opinions constitute views as at the date of publication and are subject to change.

Regulated investment activities are carried out on behalf of Capital International Group by its licensed member companies. Capital International Limited and Capital Financial Markets Limited are licensed by the Isle of Man Financial Services Authority. Capital International Limited is a member of the London Stock Exchange. CILSA Investments (Pty) Ltd (FSP No. 44894), trading as Capital International SA, is licensed by the Financial Sector Conduct Authority in South Africa. All subsidiary companies across both jurisdictions are represented under the Capital International Group brand.

Economies in Africa have been developing at an impressive pace in recent years, showcasing a remarkable transformation that has garnered global attention. The continent now boasts 21 billionaires and 342 centimillionaires, reflecting its growing wealth and economic potential. 

In this episode, we are excited to welcome Nthabiseng Mdhlozini and Adrian Faccio from Henley and Partners. They will join us to discuss the 2024 Africa Wealth Report, providing a comprehensive overview of the financial landscape across Africa, featuring insights into the largest economies in Africa.  

Our esteemed guests will be sharing their expert insights into several key areas, including: 

• Africa’s wealthiest countries and cities: A detailed exploration of the regions within Africa that are leading the way in terms of wealth accumulation and economic success. 

• Economic mobility: Insights into the factors driving economic mobility across the continent, highlighting opportunities for growth and development 

• Investment migration: An examination of the trends and impacts of investment migration, and how it is shaping the future of Africa’s economies.  

• Wealth management across the continent: The strategies for managing and preserving wealth in Africa’s unique economic environment, ensuring that the largest economies in Africa continue to thrive.

Join us for an in-depth discussion that promises to shed light on the dynamic economic landscape of Africa and the opportunities it presents, emphasizing the role that the largest economies in Africa have to play on the global stage.  

Disclaimer: The views, thoughts and opinions expressed within the podcast are those of the author / speaker(s) and not those of any company within the Capital International Group (CIG) and as such are neither given nor endorsed by CIG. Information in this podcast does not constitute investment advice or an offer or an invitation by or on behalf of any company within the Capital International Group of companies to buy or sell any product or security or to make a bank deposit. Any reference to past performance is not necessarily a guide to the future. The value of investments may go down as well as up and may be adversely affected by currency fluctuations. CIG, its clients and officers may have a position in, or engage in transactions in any of the investments mentioned. Opinions constitute views as at the date of publication and are subject to change.

Regulated investment activities are carried out on behalf of Capital International Group by its licensed member companies. Capital International Limited and Capital Financial Markets Limited are licensed by the Isle of Man Financial Services Authority. Capital International Limited is a member of the London Stock Exchange. CILSA Investments (Pty) Ltd (FSP No. 44894), trading as Capital International SA, is licensed by the Financial Sector Conduct Authority in South Africa. All subsidiary companies across both jurisdictions are represented under the Capital International Group brand.

Tatenda and Lerato are joined in this episode by delegates and organisers of the 'Isle of Man Indaba', a roadshow that takes place across cities in South Africa to promote the Isle of Man as a financial jurisdiction of choice. 

In this episode you will find out more about:

• What the Isle of Man has to offer as a Financial Jurisdiction

Disclaimer: The views, thoughts and opinions expressed within the article / video are those of the author / speaker(s) and not those of any company within the Capital International Group (CIG) and as such are neither given nor endorsed by CIG. Information in this article does not constitute investment advice or an offer or an invitation by or on behalf of any company within the Capital International Group of companies to buy or sell any product or security or to make a bank deposit. Any reference to past performance is not necessarily a guide to the future. The value of investments may go down as well as up and may be adversely affected by currency fluctuations. CIG, its clients and officers may have a position in, or engage in transactions in any of the investments mentioned. Opinions constitute views as at the date of publication and are subject to change.

Regulated investment activities are carried out on behalf of Capital International Group by its licensed member companies. Capital International Limited and Capital Financial Markets Limited are licensed by the Isle of Man Financial Services Authority. Capital International Limited is a member of the London Stock Exchange. CILSA Investments (Pty) Ltd (FSP No. 44894), trading as Capital International SA, is licensed by the Financial Sector Conduct Authority in South Africa. All subsidiary companies across both jurisdictions are represented under the Capital International Group brand.

We are absolutely delighted to welcome the esteemed CEO of GSM Law and renowned tax expert, Ulrik Strandvik, to the Capital Alchemy podcast. In this episode, our host Tatenda Chikombero sits down with Ulrik for an insightful discussion about the current tax landscape in South Africa, covering a variety of important topics, including:  

• The key issues in South Africa’s tax system: An in-depth exploration of the primary challenges and issues facing tax in South Africa today. 

• Local trusts with offshore beneficiaries: Insightful analysis of how local trusts manage and operate with beneficiaries located offshore. 

• Offshore trusts with local beneficiaries: A detailed look at the dynamics and implications of offshore trusts that have beneficiaries within South Africa. 

• Golden visas and tax emigration: Discussion on the advantages and complexities associated with golden visas and the process of tax emigration. 

• The potential introduction of a wealth tax: Examination of the possible impacts and considerations of implementing a wealth tax in South Africa. 

• Offshore jurisdictions: An overview of various offshore jurisdictions  

This episode promises to provide valuable insights and practical advice for navigating the ever-changing landscape of tax in South Africa. Tune in for a thorough and enlightening discussion with one of the leading experts in the field. 

Disclaimer: The views, thoughts and opinions expressed within the article / video are those of the author / speaker(s) and not those of any company within the Capital International Group (CIG) and as such are neither given nor endorsed by CIG. Information in this article does not constitute investment advice or an offer or an invitation by or on behalf of any company within the Capital International Group of companies to buy or sell any product or security or to make a bank deposit. Any reference to past performance is not necessarily a guide to the future. The value of investments may go down as well as up and may be adversely affected by currency fluctuations. CIG, its clients and officers may have a position in, or engage in transactions in any of the investments mentioned. Opinions constitute views as at the date of publication and are subject to change.

Regulated investment activities are carried out on behalf of Capital International Group by its licensed member companies. Capital International Limited and Capital Financial Markets Limited are licensed by the Isle of Man Financial Services Authority. Capital International Limited is a member of the London Stock Exchange. CILSA Investments (Pty) Ltd (FSP No. 44894), trading as Capital International SA, is licensed by the Financial Sector Conduct Authority in South Africa. All subsidiary companies across both jurisdictions are represented under the Capital International Group brand.

Certified Financial Planner Kobus Kleyn is on a mission to transform the financial services profession into a fully fledged noble one. With a deep-seated belief in the value of ethics and integrity, Kobus aims to elevate the standards of financial planning, ensuring that it is recognized as a truly honorable profession. In this episode, Kobus joins Tatenda and Lerato to share his insights on several key topics that are critical for both financial planners and their clients, particularly focusing on lifestyle financial planning. 

Our conversation covers: 

• The noble professional of a Certified Financial Planner: Kobus discusses what it means to be a Certified Financial Planner, focusing on the ethical considerations and professional standards that distinguish this role, which are central to lifestyle financial planning. 

• The ideal time to retire: An exploration of the factors that influence the best time to retire, tailored to individual circumstances and financial goals, integral to effective financial planning. 

• Making the most of retirement: Tips and strategies for maximizing the quality of life in retirement, including financial management and personal fulfillment, key aspects of lifestyle financial planning. 

• Diversification: The importance of diversification in investment portfolios to manage risk and enhance returns, a fundamental principle of financial planning. 

• Finding the right balance of offshore and domestic investments for your circumstances: Advice on how to balance offshore and domestic investments based on personal financial situations and goals, critical for comprehensive financial planning. 

• Running a virtual practice and working from anywhere: Kobus shares his experience and tips for successfully operating a virtual financial planning practice, highlighting the flexibility and benefits of working from anywhere in the world, which aligns with the principles of lifestyle financial planning. 

Disclaimer: The views, thoughts and opinions expressed within the article / video are those of the author / speaker(s) and not those of any company within the Capital International Group (CIG) and as such are neither given nor endorsed by CIG. Information in this article does not constitute investment advice or an offer or an invitation by or on behalf of any company within the Capital International Group of companies to buy or sell any product or security or to make a bank deposit. Any reference to past performance is not necessarily a guide to the future. The value of investments may go down as well as up and may be adversely affected by currency fluctuations. CIG, its clients and officers may have a position in, or engage in transactions in any of the investments mentioned. Opinions constitute views as at the date of publication and are subject to change.

Regulated investment activities are carried out on behalf of Capital International Group by its licensed member companies. Capital International Limited and Capital Financial Markets Limited are licensed by the Isle of Man Financial Services Authority. Capital International Limited is a member of the London Stock Exchange. CILSA Investments (Pty) Ltd (FSP No. 44894), trading as Capital International SA, is licensed by the Financial Sector Conduct Authority in South Africa. All subsidiary companies across both jurisdictions are represented under the Capital International Group brand.