The Wealth Perspective - Second Quarter 2025

Welcome to the latest edition of The Wealth Perspective

This month we observed Youth Day, when we commemorate young people in our nation and consider the role that they play in shaping the future. As was noted in the previous edition of this publication, financial literacy plays an important role in helping investors realise their financial goals, and this is especially relevant for a younger generation who are getting started on their investment journeys.

In this quarter’s edition, we investigate topics designed to not only support those who are new to the world of investing, but also to encourage discussions between older and younger generations to facilitate the effective transfer of knowledge and wealth.

 

Getting Started Early

Various studies and our own observations have found that the majority of people either delay starting to save for the future or feel they don’t have sufficient funds to invest in the present moment.

However, by starting to invest at an earlier stage of your life, you can maximise the advantage of compound interest. Even small but regular contributions can have a significant impact on investment outcomes over a longer investment timeline.

 

A Stable Foundation

Whether you are just getting started and considering opening your first investment account, or are looking to support the next generation taking their first steps towards a more secure financial future, it is crucial to start off by having a solid understanding of the basic principles of investing and financial planning.

Some of the basics to understand are the different types of assets and investment instruments, as well as the fundamentals of macroeconomic indicators.

 

Empowering Discussions

With a good understanding of the basics, you can have a fruitful discussion with a financial adviser, make more informed decisions, and be better positioned to achieve investment outcomes that are well suited to your needs.

Robyn’s article offers some great guidance on what you should expect from your first meeting with a financial adviser, and unpacks what to consider in subsequent annual review discussions to ensure you are on track to achieve your desired outcomes.

 

Adaptability in the Face of Change

As time passes, and individual and family circumstances change, it is inevitable that it will be necessary to make changes to your initial financial plan. Working with a trusted financial adviser to create a robust yet flexible plan is therefore a key consideration from the outset. It is also important to use an investment platform with an offering that is adaptable enough to cater to changing circumstances.

At PSG Wealth, we are proud of our heritage of establishing long-term relationships with clients that span generations. This is built around personal relationships and is supported by an extensive range of products that will allow you to create investment solutions tailored to your unique individual and family needs.

Linda has previously written about selecting appropriate investment products, and our network of financial advisers are also able to provide you with access to further benefits on our platform, including our cost-effective family fees offering for family groups and our cash account offering that gives you the option to hold more liquid investments on our platform to take advantage of market opportunities as they arise.

 

Enjoy the read!

I trust that the topics we cover in this publication will empower you to realise your investment outcomes and facilitate productive discussions between generations.

A word from our CIO - Adriaan Pask, Chief Investment Officer, PSG Wealth - Bridging the gap: Understanding macroeconomic indicators for intergenerational wealth

Industry views - Thomas Berry, Head of Sales, PSG Wealth - Understanding asset classes

Investing and trading - Wendy Myers, Head of Securities, PSG Wealth - Understanding the differences between shares and derivative products 

Estate matters - Mariska Redelinghuys, Legal Specialist: Advice, PSG Wealth - Planning a legacy to benefit generations to come

Product insights - Linda Kleynscheldt, Head of Actuarial and Product, PSG Wealth - Understanding the underlying instruments of investment products

Financial planning - Robyn Laubscher, Advice and Product Specialist, PSG Wealth - Making the most of your meeting with a financial adviser

 

Frequently Asked Questions

 

What is the focus of "The Wealth Perspective - Second Quarter 2025"?

This edition focuses on topics designed to support new investors, encourage discussions between generations, and facilitate the effective transfer of knowledge and wealth, covering macroeconomic indicators, asset classes, investment instruments, legacy planning, and engaging with financial advisers.

 

Why is financial literacy important for young investors?

Financial literacy helps young investors realise their financial goals and maximise the advantage of compound interest by starting to invest at an earlier stage.

 

What are some basic principles of investing and financial planning mentioned in the article?

It is crucial to understand different types of assets, investment instruments, and the fundamentals of macroeconomic indicators.

 

How can a financial adviser assist in achieving investment outcomes?

A financial adviser can help with fruitful discussions, more informed decisions, and achieving investment outcomes well-suited to individual needs, including guidance on initial and annual review meetings.

 

Why is adaptability important in financial planning?

As individual and family circumstances change over time, it is necessary to adapt financial plans. Working with a trusted financial adviser to create a robust yet flexible plan is key, as is using an adaptable investment platform.

 

What topics are covered by the experts in this edition?

Adriaan Pask discusses macroeconomic indicators, Thomas Berry covers asset classes, Wendy Myers explains shares and derivative products, Mariska Redelinghuys delves into legacy planning, Linda Kleynscheldt clarifies investment instruments, and Robyn Laubscher provides guidance on financial adviser meetings.