The Wealth Perspective - First Quarter 2026

Welcome to the latest edition of The Wealth Perspective

Having recently commemorated Human Rights Day, we are reminded that financial inclusion for all South Africans is a cornerstone of dignity and equality. By promoting a deeper understanding of how to manage money better, we create a firm foundation for building financial wellbeing in our nation that can be passed down through generations, thereby benefiting families and communities for years to come. 

This quarter’s edition is dedicated to discussing these foundational aspects of investing and contains practical insights to help investors stay on track to meet their financial goals and achieve better financial outcomes for themselves, as well as for their families. 

Getting time to work in your favour 

Many people begin the year with a list of resolutions, which frequently include adopting healthier financial habits. Yet, just a few months into the year, most find that they’ve veered off course from these well-intended plans. So, whether your aim is to open your first investment or to take steps to refine existing plans and make every cent work harder for you, application is key. Rather than seeing your goals fade from sight in the rearview mirror, pause to plot out your course to achieve them. Remember, the earlier you act, the sooner you will reap the rewards of clearer, more attainable goals. 

A holistic approach 

Financial freedom means being able to live the way you want to without being burdened by financial constraints like debt, but exactly what this encompasses differs from person to person. It typically incorporates needs such as saving for retirement, setting aside funds for emergency events that may arise, investing for your children’s education, and giving consideration to the legacy you intend to leave behind when you pass away. For many, true financial freedom includes being able to cater for wants in addition to needs – for example, being able to afford a luxury family holiday or the car you’ve always dreamed of owning.  

Regardless of precisely how you define it for yourself, financial freedom is multi-faceted, and achieving it requires a holistic approach. Over and above addressing existing goals, an effective plan needs to be flexible enough to accommodate your needs as they change over time. Marriage, having children, and increasingly longer lifespans are all examples of factors that you may encounter. Seeking out the assistance of a trusted financial adviser is recommended to ensure your financial plans are optimally designed to cater for this. 

I trust that you will gain useful insights from this publication to help guide you on your journey to financial freedom for you and your family. If you have any questions, or need more information, please reach out to us. We have a team of experts who are on hand to assist you.  

 

A word from our CIO - Adriaan Pask, Chief Investment Officer, PSG Wealth - Tips to achieve financial freedom for generations to come

Industry views - Thomas Berry, Head of Sales, PSG Wealth - To reach your financial goals, you need to define them first 

Investing and trading - Wendy Myers, Head of Securities, PSG Wealth - Why you should consider a share portfolio to generate long-term family wealth 

Estate matters - Mariska Redelinghuys, Legal Specialist: Advice, PSG Wealth - A legacy to benefit your loved ones 

Product insights - Linda Kleynscheldt, Head of Actuarial and Product, PSG Wealth - Investing with family financial goals in mind 

Financial planning - Annalise De Meillon-Muller, Senior Legal Specialist: Advice, PSG Wealth - A plan to mitigate longevity risk