Everything Counts is a bi-weekly podcast series that dives into money and financial wellness, hosted by 702’s Motheo Khoaripe. Each episode unpacks practical aspects of personal finance-how to save, spend, invest, and make smart decisions to boost your financial wellbeing.

In this episode, Motheo explores the trend of unretirement, where people return to work after retiring or delay retirement past the age of 65. Join experts Kate Robson (co-head of Investec, My Investments) and Nicolette Mashile (award-winning financial literacy author also known as the ‘Financial Bunny’) as they discuss what’s driving the shift, the impact of poor savings habits, and why early retirement planning is essential.

Learn how financial advisers and tax professionals can help you navigate retirement income, tax implications, and the risks of outliving your retirement savings. Whether you’re planning ahead or already retired, discover practical tips to secure your financial future and make the most of your golden years.

00:00 Introduction

02:00 What is unretirement?

03:00 Why is unretirement becoming the norm?

05:40 Why you shouldn’t withdraw from your retirement savings

07:00 The value of compounding investments

08:00 How to match your current lifestyle in retirement

10:00 Why you need to start planning for retirement early

11:30 What does unretirement look like?

13:00 Unretirement opportunities

14:00 Unretirement and taxation

16:00 The value of a financial advisor in unretirement

17:45 Tax and unretirement

20:00 What happens when retirement funds run out?

21:15 Why you might not have enough saved for retirement

23:30 Make retirement savings a habit

24:30 Conclusion Investec Focus Radio SA

Despite the uncertainty about tariffs, equity markets have been strong around the world, putting the early April declines behind them. This has coincided with a weaker US dollar and a stronger gold price, says Chris Holdsworth, Chief Investment Strategist, Investec Wealth & Investment International. Investec Focus Radio SA

From AI-optimised shelf space to influencer-fuelled fast fashion, global consumer trends are in flux. Global Consumer Analyst at Investec UK, Eddy Hargreaves, joins No Ordinary Wednesday to explore retail innovation, brand strategy, and why selling to today’s cautious, connected shopper is trickier than ever.

Podcast key moments:

00:00 – Introduction

01:21 – Developed vs. emerging market consumers

02:32 – Inflation, discounts and luxury sales decline

05:05 – How tariffs affect pricing, brand perception and supply chains

07:28 – AI transforming retail

12:36 – Digital media, influencers and personalisation shift

13:07 – Personalisation data at scale

16:07 – Innovation vs. convenience

20:05 – Sustainability ethics under pressure

23:16 – What’s driving the demand for tailored products globally?

25:18 – Beverages and energy drinks markets growing

27:28 – Weight loss drugs reshaping food, apparel, and wellness sectors

31:54 – Temporary trends or structural shifts?

33:40 – Rise of Chinese brands

Read more on www.investec.com/now

Hosted by seasoned broadcaster, Jeremy Maggs, the No Ordinary Wednesday podcast unpacks the latest economic, business and political news in South Africa, with an all-star cast of investment and wealth managers, economists and financial planners from Investec. Listen in every second Wednesday for an in-depth look at what's moving markets, shaping the economy, and changing the game for your wallet and your business. Investec Focus Radio SA

US inflation appears to be heading to 3% by September, above the target rate of 2%. According to Chief Investment Strategist of Investec Wealth & Investment International Chris Holdsworth his may explain the Fed’s caution on interest rates, even as Fed chief Jerome Powell remains under pressure from President Donald Trump. Investec Focus Radio SA

In this final episode, we turn our focus to sustainability and innovation. We go back to where it all begins...the land, the soil, the foundation that supports every vine, every bottle, and every story. Host Lerato Motshologane is joined by Rosa Kruger one of SA's most respected viticulturists and the founder of the Old Vine Project. And Johnathan Grieve, the pioneering force behind Avondale Wines. One of South Africa's most forward-thinking biodynamic wine estates.

00:00: Introduction – Old Vines, innovation and alternatives

02:05: Wild and free – Rosa’s path to purpose

04:41: Art and agriculture – Johnathan’s alternative evolution

06:20: Beyond a buzzword – What does organic really mean?

07:52: More than the soil – A people first approach to sustainability

11:49: The Old Vine Project – Unearthing legacy, celebrating soul

15:58: Listen and learn - Let nature lead the way

22:10: Farming for the future – Longevity and resilience

24:40: Old world, new wisdom – Where does South Africa sit?

27:42: The sustainability dream – Exploring value and vision

29:54: A toast – Growing and glowing together Wine in Focus series page · Investec Focus Radio SA

Discover how your psychology shapes money habits and learn how to build a healthier, more mindful relationship with your finances.

In this episode of Everything Counts, we explore how deep-seated psychology and early life experiences shape our financial habits.

Host Motheo Khoaripe is joined by Professor Charlene Lew and Investec financial adviser Kgomotso Motloung to unpack why we sometimes sabotage our savings and how to break the cycle.

Learn practical strategies to rebuild a healthier relationship with money − from budgeting and goal-setting to mastering your emotional triggers.

00:00 Introduction

01:50 Psychology behind our money behaviours

02:50 How mindset and personality affects your money behaviour

04:00 How early experiences shape our relationship with money

05:00 Emotional spending and how to stay in control

05:45 Why your relationship with money matters to your financial adviser

07:00 How societal norms affect our relationship with money

08:15 Financial comfort vs discomfort

11:00 The sunk cost fallacy

13:30 How to be rational about financial wellness

14:30 Psychological effects of debt

16:15 How to build positive money habits

18:30 Practical strategies to getting onto a good financial path

20:15 Choosing a financial partner for good financial advice

22:15 How a financial adviser can help you to get your money under control

23:15 The importance of having a vision for the future and setting financial goals

25:15 Conclusion Investec Focus Radio SA

Based on the latest announcement, the effective US tariff rate on imports is now about 18%, the highest since the 1930s. Despite this, says Chief Investment Strategist of Investec Wealth & Investment International Chris Holdsworth, markets remain relatively calm – and the US equity market is still pricing in strong earnings growth – suggesting that the Trump administration won’t follow through on many of the tariffs. Investec Focus Radio SA

South Africa has spent more than a decade in economic drift – growing slower than its emerging market peers, losing investor confidence, and missing out on vital tax revenue. So, how do we get back on track? In this episode of No Ordinary Wednesday, Jeremy Maggs is joined by Cumesh Moodliar, CEO of Investec South Africa, and Osagyefo Mazwai, Investment Strategist at Investec Wealth & Investment International, to unpack the hard truths, and outline a roadmap to recovery and long-term prosperity.

Podcast key moments:

00:00 – Introduction

02:09 – How will the latest tariffs announced by US President Donald Trump affect the South African economy?

04:36 - How do you interpret the opportunity cost of the lost decade of growth in SA?

07:27 - What should the number one priority be for government?

09:30 – Why is boosting confidence is one of the most powerful levers for growth?

10:27 - What specific reforms do you think will signal that SA is open for business?

12:28 – Has SA we missed the golden opportunity with the commodity boom?

13:59 - How vulnerable is SA to these pressures, and could they complicate our domestic growth strategy?

17:38 - Can current composition of the GNU accelerate reforms quickly enough to match the urgency economic growth?

20:10 - How does South Africa avoid getting left behind in the fight for capital, trade and competitiveness?

21:19 – Is South Africa an attractive investment destination?

22:52 - What could South Africa look like in 2035?

Read more on www.investec.com/now

Hosted by seasoned broadcaster, Jeremy Maggs, the No Ordinary Wednesday podcast unpacks the latest economic, business and political news in South Africa, with an all-star cast of investment and wealth managers, economists and financial planners from Investec. Listen in every second Wednesday for an in-depth look at what's moving markets, shaping the economy, and changing the game for your wallet and your business. Investec Focus Radio SA

Wednesday is the day when US President Donald Trump’s Liberation Day tariffs are set to come into effect. There’s still some uncertainty about what will happen, says Chief Investment Strategist of Investec Wealth & Investment International Chris Holdsworth and even a further postponement of the tariffs is a possibility. Investec Focus Radio SA

Everything Counts is a bi-weekly podcast series that dives into money and financial wellness, hosted by 702’s Motheo Khoaripe.

Each episode unpacks practical aspects of personal finance-how to save, spend, invest, and make smart decisions to boost your financial well-being.

In this episode, Motheo sits down with Itumeleng Merafe, head of Investec Private Banking, to explore how a wealth mindset can set you up for financial success.

They discuss the habits that set successful people apart – from setting financial goals, to building resilience, staying flexible and investing in yourself. You’ll hear powerful insights into the minds of high achievers, how to master the wealth mindset in a world of social comparison, and the difference between savings and investing.

Whether you’re just starting to learn about money and investing or looking to level up your financial thinking, this episode delivers practical steps and mindset shifts that can help you take control of your future.

00:00 Introduction

01:00 What is a wealth mindset?

03:00 How do you support a wealth mindset on a daily basis?

05:00 How important is flexibility in building long-term wealth?

06:50 How is wealth created through savings?

08:00 Distinctive habits that contribute to financial success

09:30 Delayed gratification and setting financial goals

12:00 The value of mentorship and learning about money

12:30 Balance is key to the wealth building mindset

13:15 How do you start again when things go wrong?

15.40 Mental shifts for cultivating a growth-oriented mindset

18:30 The importance of adaptation

20:45 Leadership and the wealth mindset

22:30 Setting financial goals with a wealth mindset

24:30 Risk taking and understanding your own risk appetite

27:00 Myth busting: what sets successful people apart?

29:30 The role of your financial advisor in wealth building Investec Focus Radio SA