The Wealth Perspective - Fourth Quarter 2025

Welcome to the latest edition of The Wealth Perspective

We are rapidly approaching the end of the year, and many will be looking forward to taking a well-earned break. It’s a time to reflect on the year and plan for the next. As you set your financial aspirations for 2026, I encourage you not to limit your focus to the next 12 months, but to adopt a longer-term perspective that takes into account the years that will follow. Realising financial security requires careful planning, discipline, and a long-term approach, but thoughtful consideration and application can make it an attainable goal.

Future-focused

Planning for retirement is one of the most important financial journeys that investors undertake. When looking at your wider financial goals, it is essential to pay specific attention to your retirement savings needs. Reflect on your current situation and what you want from your retirement years. Next, understand the steps you need to take to reach those goals, and be intentional in following them.

Starting this journey as early as possible is one of the most important factors, as it not only maximises the time you have available to contribute to your retirement savings, but also allows you an extended period to benefit from the power of compound interest. Adriaan’s article provides further context on how to optimise your retirement plans.

With the end of the tax year less than three months away, investors should consider making tax-deductible contributions to their retirement products. Robyn’s article this quarter offers a powerful explanation of the relevance of prioritising future needs over short-term wants.

Revisit your plans regularly

One of the only constants in life is change, which implies you must regularly reassess and readjust to stay on course to achieve your desired outcomes. This includes revisiting your savings goals as your financial needs change. As we prepare to turn the page and enter a new year with new resolutions, it’s an ideal time to check your financial plans and ensure that they are aligned with your needs. Seeking professional advice with matters of importance is always beneficial, and a PSG adviser is well positioned to guide you on this journey. For more information on how to make the most of a meeting with an adviser, you can also read this article by Robyn that was published in The Wealth Perspective earlier this year.

Looking ahead

Thank you for your support throughout 2025. I wish you a peaceful festive season and trust that you’ll find the insights in this edition both useful and helpful in planning for successful investment outcomes in the year ahead.

PSG Wealth’s cut-off times for contributions in the current tax year

Please take note of the cut-off times for contributions to PSG Wealth Retirement Annuity (RA) and PSG Wealth Tax Free Investment Plan (TFIP) investments that need to be met to ensure that these instructions are processed for inclusion in the current tax year, ending on 28 February 2026. Missing these cut-off dates means that instructions will only be processed for inclusion in the following tax year.

* Note that the tax date applicable to recurring electronic collections will be the intended electronic collection date, regardless of whether the intended collection date is a business day or not.

A word from our CIO - Adriaan Pask, Chief Investment Officer, PSG Wealth - Making the most of your retirement plan

Industry views - Thomas Berry, Head of Sales, PSG Wealth - The piggy bank principle: Lessons in consistency

Investing and trading - Wendy Myers, Head of Securities, PSG Wealth - The importance of diversification to achieve retirement goals

Estate matters - Mariska Redelinghuys, Legal Specialist: Advice, PSG Wealth - Don’t forget to include your retirement products in your estate plan

Product insights - Linda Kleynscheldt, Head of Actuarial and Product, PSG Wealth - What products to choose for your retirement savings needs

Financial planning - Robyn Laubscher, Advice and Product Specialist, PSG Wealth - Choosing financial security over instant gratification