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Borders are to countries what good fences are to neighbours, or so one would hope. Throughout 2025, hardly a week passes without human migration dominating global news headlines. From President Donald Trump’s building-walls-to-close-borders obsession to Prime Minister Keir Starmer’s bizarre ‘swap 100 for 100’ obfuscation, every country is wrestling with the ‘access’ dilemma.
A couple of days back, I attended a fund presentation by one of South Africa’s leading diversified financial services providers to a group of independent financial advisers (IFAs) and tied agents. The presenters shared the usual macroeconomic world views and fund return statistics before diving into the asset allocation strategies that they hoped would place their funds ahead of both fund benchmarks and peers over the coming 12-months.
The proof, as they say, is in the eating. As South Africa braces for a 30% tariff on exports to the United States (US), Jane and Joe Average are finally waking up to the fact that government’s months-long claim that ‘everything is under control’ was a blatant lie.
Every day, thousands of South Africans wake up blissfully unaware that today could be their day to go. They could be one bad decision away from tragedy. Death doesn’t choose the perfect moment. More often than not it’s unexpected – even awkward. And it doesn’t wait for you to get your affairs in order.
The strongest deterrent against FSP compliance missteps is or should be: