The experts suggest you can respond to disruption by changing your business or transforming it. How is your brokerage responding to major disruptions in the insurance market?

Frequent high-impact changes (66.67%)

No change, we are still assessing risks (0%)

We are transforming service (16.67%)

We respond as disruptions arise (0%)

What disruptions? (16.67%)

Should South African companies be required to disclose beneficial ownership even in cases where privacy concerns arise?

Yes, transparency is more important. (33.33%)

No, privacy rights should be prioritized. (19.05%)

It depends on the specific circumstances. (47.62%)

The Magnificent Seven technology shares are reshaping global equity markets, and making for some tough adviser-client discussions. How are you managing your clients’ return expectations during this tech age?

Diversifying beyond tech giants (33.33%)

Focus on long-term value investing (33.33%)

Increasing tech exposure in portfolios (20%)

Reinforcing realistic expectations (13.33%)

Is relying on a primary home as a source of retirement equity still a viable strategy for South Africans?

Maybe, depends on location (50%)

No, too unpredictable (33.33%)

Not sure, 50-50 (0%)

Yes, always (16.67%)

The South African authorities are hard at work to ensure the country is removed from the global Financial Action Task Force grey-list by February or June 2025. What do you think about their ongoing efforts?

But what about the BRICS? (5.26%)

Compliance burden remains, grey-list or not. (52.63%)

End-2025 exit is too optimistic. (26.32%)

Grey-list is the new normal. (0%)

Too little, too late. (15.79%)

Contract uncertainty is a growing concern in the non-life insurance market, affecting brokers and insureds. What do you believe is the best approach to address this issue?

Brokers must demand clearer wording case-by-case. (37.5%)

FSCA should introduce new regulations. (25%)

Insurers must align on exclusions, even if legal challenges ensue. (25%)

Let the market decide. (12.5%)

South Africa’s financial intermediaries face an ongoing battle to futureproof their businesses. Which of the following interventions do you back to grow your practice value and set you on an optimal succession pathway?

Identify and incentivise new leaders (23.08%)

Leverage tech for better client outcomes (53.85%)

Partner with a network or larger firm (15.38%)

Span generations by hiring younger advisers (7.69%)

Sink your teeth into the retirement market (0%)

The latest salvo in the active versus passive debate suggests that passive has an edge in highly efficient markets, or where the share universe is relatively small. In this context, how do you approach SA Equity investing?

Active always, the experts know best (9.52%)

Active, but favour the smaller funds (4.76%)

Passive for the win (4.76%)

Strike a balance between the two (80.95%)

How effective do you think technology is in improving compliance processes for FSPs?

Very effective – it streamlines and automates processes (57.89%)

Somewhat effective – helps but can't solve all issues (21.05%)

Not effective – technology can't replace proper oversight (21.05%)

The industry must embrace AI as a tool to enhance expertise, not as a replacement for it. In a rapidly evolving landscape, value will be defined by the ability to integrate AI while preserving the personal relationships that set professionals apart. Success will hinge on balancing cutting-edge technology with human trust. Do you agree?

Yes (55.95%)

No (4.76%)

Balance is essential (33.33%)

AI this, AI that... pff (5.95%)