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Newsletters for 2007

01 December 2007 Michelle Schreuder

March 2007
Getting to grips with FCR - 01 March 2007
Another asset manager sucked into the Fidentia black hole - 05 March 2007
Short-term insurers can benefit from infrastructure spend -06 March 2007
The importance of insurance intermediaries -07 March 2007
Returning R500 million to pension funds - 08 March 2007
Sanlams share buy back continues - 12 March 2007
Altrisk adds 900 brokers in 2006 - 13 March 2007
Bridging the gap - 14 March 2007
Some pressure on the economy - 15 March 2007
Another side effect of tough regulation - 19 March 2007
Consumers get a price tag that makes sense - 20 March 2007
Wheels of justice turn slowly for Fidentia accused - 22 March 2007
Direct insurers spending millions - 26 March 2007
Is this really an attack on the FSB? - 27 March 2007
Incorporating a dread disease - 28 March 2007
The outlook for residential property prices - 29 March 2007

April 2007
More education for retirement fund trustees - 02 April 2007
Receiver collects nearly R500 Billion Rand - 03 April 2007
Interim curator takes the reigns at Pro Sano - Yet another trustee problem - 04 April 2007
Big changes as the Companies Act gains a hold - 05 April 2007
Inflation eats away at retirement funding - 10 April 2007
Another investment scam unravels - 11 April 2007
Demand will underpin commercial property growth - 12 April 2007
Government Employees Medical Scheme attains big five status - 16 April 2007
JSE posts new record high - 17 April 2007
Pay close attention to tax matters - 18 April 2007
A busy year for the Long-Term Insurance Ombudsman -19 April 2007
Winning more money for pension funds = 24 April 2007
Hedge funds are here to stay - 25 April 2007
Life industry saves R1 billion over four years - 26 April 2007
Is South Africas consumption boom sustainable? - 30 April 2007

May 2007
Court approves final curatorship for Pro Sano - 02 May 2007
Credit junkies receive an early warning - 03 May 2007
FAIS Ombud blocks leave to appeal - 6 May 2007
Expanding the financial service offering - 07 May 2007
Fais Ombud blocks leave to appeal - 08 May 2007
Preparing for social security reforms- 09 May 2007
Surely this is not what the National Credit Bill intended - 10 May 2007
House prices face an uphill battle as affordability becomes an issue - 14 May 2007
Deja vu as FAIS Ombud refuses leave to appeal again - 15 May 2007
Certain as death and taxes SARS demands small business compliance - 16 May 2007
Short-term insurance faces structural challenges - 17 May 2007
GEMS continues its meteoric rise - 21 May 2007
The massive Fidentia auction continues - 22 May 2007
Supreme Court of Appeal backs Registrar of Medical Schemes - 23 May 2007
Tata my money Tata my chance - 24 May 2007
Protecting the consumer from himself - 28 May 2007
Is the gold mining industry in decline? - 29 May 2007
Debt counselling a good place to start - 30 May 2007
Waiting for the birth of a new profession - 31 May 200

June 2007
Using mortgages as a long-term savings tool - 04 June 2007 Big opportunities in micro-lending - 05 June 2007
The 9th annual SAFSIA Industry Recognition Awards - 06 June 2007
R4 Billion in four months - 07 June 2007
Chile provides a blueprint for pension fund reforms - 11 June 2007
The gray areas of the interest rate environment - 12 June 2007 Consumer education remains a top priority - 13 June 2007
To charge or not to charge the section 14(7) transfer debate - 14 June 2007
Another provident fund battle heats up - 18 June 2007
Santam announces a surprise change at the top - 19 June 2007
An introspective look at the domestic banking environment - 20 June 2007
Clearing the smoke and mirrors - 21 June 2007
An employment scam to channel stolen funds - 25 June 2007
Compensation nears the halfway mark - 26 June 2007
Check your credit status - 27 June 2007
Investing with a social conscience - 28 June 2007
Stokes Stage - Will higher inflation spoil our economic party? - 29 June 2007

Straight Talk - Making the National Security System work - 29 June 2007
Featured Article - Brace yourselves for the impact of climate change - 29 June 2007

July 2007
Applying passion to break poverty - 02 July 2007
Affordability a threat to motor vehicle insurers - 03 July 2007
Thorough checks required FSP licence or not - 04 July 2007
A five billion rand stockpile at the end of 2008 - 05 July 2007

Featured Story
- Has this bull market run out of steam? - 06 July 2007
Stokes Stage - It is time for our crime busters to step down - 06 July 2007
Straight Talk - Has Mboweni halted the new vehicle sales Juggernaut? - 06 July 2007
Clever commissions and incentives fall foul of the Act - 09 July 2007
Time to get your house in order - 10 July 2007
Adding pillars to the World Bank pension model - 11 July 2007
Stokes Stage - All the country needs is another toll road! - 13 July 2007
Straight Talk - Geared trading a big hit in South Africa - 13 July 2007
Featured Story - Good governance of retirement funds - 13 July 2007
Life cover probe looms - 16 July 2007
Something wicked this way comes - 17 July 2007
The world of real estate spin - 18 July 2007
SARS has not forgotten you! - 19 July 2007
Featured Story - Recommendations on Board of Trustee Governance - 20 July 2007
Stokes Stage - Does anyone remember Iscor? - 20 July 2007
Straight Talk - Billions more flow into the Collective Investment space - 20 July 2007
Medical aid administrator rebrands - 23 July 2007
Product transparency - 24 July 2007
Say goodbye to projected maturity values - 25 July 2007
Sparks fly at Board of Health Care Funders conference - 26 July 2007
Featured Article - Managing stakeholder relationships in retirement funds - 27 July 2007
Stokes Stage - An abnormal business environment - 27 July 2007
Straight Talk - Household assets reach four times annual income - 27 July 2007
Structural changes in SA economy - 30 July 2007
Sanlam embraces convergence to prosper - 31 July 2007

August 2007
A red light for blanket exemptions - 02 August 2007
Featured Story - FCR deadline looms for short-term insurers - 03 August 2007
Stokes Stage - The trouble with quiet diplomacy - 03 August 2007
Straight Talk - Long-term investors should ignore market volatility - 03 August 2007

Insurance giants interim results loom - 06 August 2007
The grand ex gratia gesture - 07 August 2007
Featured Story - Solid half-year interims from Liberty Life - 10 August 2007
Stokes Stage - Spammers beware! Your activities are under the spotlight - 10 August 2007
Straight Talk - Discoverys specialist reimbursement arrangement still under fire 10 August 2007
Sub-prime concerns hammer global markets - 13 August 2007
It takes years to undo a financial scandal - 14 August 2007
Make sure the punishment fits the crime - 15 August 2007
To resell or surrender that is the question - 16 August 2007
Featured Story - Old Mutual battles a strong British currency - 17 August 2007
Straight Talk - Mbowenis deputy delivers another crushing blow - 17 August 2007
Stokes Stage - Six goals too far - 17 August 2007
The role of education in the financial service industry - 20 August 2007
The long awaited life insurance jargon buster - 21 August 2007
Using reduction in yield to guide investment decisions - 22 August 2007
The RA illustrative value debate - 23 August 2007
Featured Story - Delivering growth in a tough short-term environment - 24 August 2007
Stokes Stage - You can sell anything with a strong enough brand - 24 August 2007

Straight Talk - Foreigners pour billions into South Africa - 24 August 2007

The skills shortage is no urban legend - 27 August 2007
Paying the price for the 'Ghavalas Option' - 28 August 2007
Plugging South Africa's savings gap - 29 August 2007
Focus on growth to eradicate poverty - 30 August 2007
Featured Story - If the regulator had three wishes - 31 August 2007
Stokes Stage - The war at home government and the broadband debacle - 31 August 2007
Straight Talk - The regulatory shield is full of holes - 31 August 2007


September 2007
More power to the regulator - 03 September 2007
Prosecution delays Fidentia trial - 04 September 2007
Destiny Health triggers its stop loss - 05 September 2007
Featured Story - A socially responsible index tracker - 07 September 2007
Stokes Stage - A proudly South African moral dilemma - 07 September 2007

Straight Talk - Long-term insurance business leads the way - 07 September 2007
Life assurance giant expects a tough second half - 10 September 2007
The battle for old-age grant equality - 11 September 2007
Short-Term Ombudsman to recognise insurer excellence - 12 Septmber 2007
International insurers reveal industry stumbling blocks - 13 September 2007
Featured Story - Metropolitan posts strong half year - 14 September 2007
Stokes Stage - Curators confirm that a massive Fidentia loss is inevitable - 14 September 2007
Straight Talk - Rand Merchant Bank to top Discovery shareholder list - 14 September 2007
Does anyone remember SAAMBOU Bank? - 17 September 2007
Hurricane Katrina leaves her mark on insurance law - 19 September 2007
All the fuss over FirstRand - 20 September 2007
Featured Article - FirstRand milks the consumer cash cow - 21 September 2007
Stokes Stage - Police pounce quickly on the real threats - 21 September 2007
Straight Talk - Time for the US to fix its mess - 21 September 2007
SARS announces another bumper harvest - 25 September 2007
A package deal for domestic workers - 26 September 2007
Brace for an October rate hike - 27 September 2007
Stokes Stage - Selective action speaks louder than words - 28 September 2007
Featured Article - An alternative approach to financial planning - 28 September 2007
Straight Talk - Killing the sacred cow - 28 September 2007

October 2007
South African wealth growing at snails pace - 01 October 2007
A closer look at the short-term insurance industry - 02 October 2007
Landmark ruling on payment of divorce benefits - 04 October 2007
Featured Article - Untangling another red tape bundle - 05 October 2007
Stokes Stage - Tuning out the background noise - 05 October 2007
Straight Talk - Asking the tough questions - 05 October 2007
Too much trumpeting - 08 October 2007
Financial services industry mostly on track - 09 October 2007
Headhunting is no longer a barbaric pursuit - 10 October 2007
Take care of your most valuable asset - 11 October 2007
Featured Article - The rand value of fraudulent insurance claims soars - 12 October 2007
Straight Talk - Resurgent RAs in favour once again - 12 October 2007
Stokes Stage - We dont need NO education - 12 October 2007

Another busy year for FAIS Ombud - 15 October 2007
Economic crime hits home in Africa - 16 October 2007
Drivers need a healthy dose of self preservation - 17 october 2007
Let the good times roll - 18 October 2007
Featured Article - No sign of a slowdown in collective investments inflows - 19 October 2007
Straight Talk - A different take on stock market value - 19 October 2007
Stokes Stage - Playing the trial-by-media defence card - 19 October 2007
Following the letter of the law - 22 October 2007
Another golden opportunity for investors - 23 October 2007
Auto & General steps into a new dimension - 25 October 2007
Stokes Stage - Justice system bends under the weight of crime - 26 October 2007
Straight Talk - Here come the Chinese - 26 October 2007
Featured Article - VW owners left out in the cold - 26 October 2007

The jury is out on credit life insurance - 29 OCtober 2007
Detailed credit life report to follow - 30 October 2007
Manuel plays ball and ups social spending - 31 October 2007

November 2007
The long walk to commission clarity - 01 November 2007
Featured Article - Structural shifts will shape African pension fund delivery - 02 November 2007
Stokes Stage - The kind of rubbish you expect from the PSL - 02 November 2007
Straight Talk - 2010 is just the beginning - 02 November 2007
Enforcement committee cracks its whip - 05 November 2007
Setting the record straight - 06 November 2007
Tough in the trenches - 07 November 2007
Business confidence plummets to a three year low - 08 November 2007
Stokes Stage - No place for “hanging” judges in Africa - 09 November 2007
Featured Article - Royal Bafokeng makes a play for Mutual & Federal - 9 November 2007
Straight Talk - Forget making ‘quick’ money in private equity - 09 November 2007
A response to the Tough in the Trenches newsletter - 12 November 2007
Two birds with one stone - 13 November 2007
JSE heavyweight gets caned - 14 November 2007
Ignore the warning signs at your peril - 15 November 2007
Stokes Stage - Denial is a river in Africa – SA skills shortage takes centre stage - 16 November 2007
Straight Talk - Panel beaters on the march - 16 November 2007
Featured Article - Life insurers prepare for 2008 - 16 November 2007
Measuring the value of advice - 19 November 2007
Service please South Africa - 20 November 2007
The long road to consistent exclusion practices - 21 November 2007
Have we seen an interest rate peak? - 22 November 2007
Featured Article - Avoid stockpiling ‘lightweight’ documentation - 23 November 2007
Stokes Stage - 8 000 Reasons to stay out of Zimbabwe - 23 November 2007
Straight Talk - Will government score a goal at their third attempt? - 23 November 2007
Avoid stockpiling ‘lightweight’ documentation - 26 November 2007
Intention is zero tenths of the law - 27 November 2007
Domestic economy powers ahead - 28 November 2007
The hardest part is still to come - 29 November 2007
Featured Article - The second secret of long-term investment return - 30 November 2007
Stokes Stage - Both horses should be scratched - 30 November 2007
Straight Talk - Seven years of rolling blackouts will hurt the insurance industry - 30 November 2007

December 2007
Forget inflation – fraudsters are after your cash too! - 03 December 2007
The world’s leading Aids insurer - 04 December 2007
The Fidentia saga drags on - 05 December 2007
Stokes - Stage - Not in a thousand years - 07 December 2007
Straight Talk - Shrinking disposable income to hit short-term insurers hard - 07 December 2007
Featured Article - Equity returns on a go-slow in 2007 - 07 December 2007
Business confidence on a steady downward spiral - 10 December 2007
Too good to be true - 11 December 2007
The S14 Transfer debate will continue next year - 12 December 2007
Quick Polls

QUESTION

Early 2025 asset manager outlook statements point to opportunities in emerging markets and the US dollar. How do you approach these factors in client portfolios?

ANSWER

Diversify across emerging and developed markets
Focus on long-term opportunities in China and India
Maintain a cautious stance around US-dollar investments
Prioritise local markets for safer EM growth
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