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Market reviews and guides

Our regular market commentary and portfolio reviews, plus plain-language guides on the things clients ask about most. Newest first.

Weekly

Market snapshots

A short read on the week just gone, published every Monday.
Market Insight | October 2026

The price of oil, the price of money — September 2026 Market Insight

Market Insight | October 2026 September 2026 in review: how one oil shock travelled through inflation, interest rates, bond markets and the dollar to the JSE and the…

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Weekly

In Uncertain Times

Market uncertainty is not a temporary disruption to investing. A look at nine years of crises, actual fund returns and the hidden cost of stepping out of the market.

Article

Monthly

Market and portfolio reviews

Our fuller review of the month, with quarterly portfolio commentary alongside it.
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Guides

Plain-language guides

Evergreen explainers on the things clients ask about most.
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A quick financial health check

The questions below are not advice - they are simply things worth thinking about. If any of them give you pause, that is exactly what a conversation with a financial planner is for.

  • 01

    Do you have a valid, up-to-date will?

    Without one, the Intestate Succession Act determines who inherits - not you.

  • 02

    Are your beneficiary nominations current on all your policies and retirement funds?

    An outdated nomination can mean your money goes to the wrong person.

  • 03

    Do you know what your retirement shortfall is?

    Most people are saving - but not enough. Do you know your number?

  • 04

    Do you have at least three months of expenses in an emergency fund?

    Without this buffer, any unexpected event becomes a financial crisis.

  • 05

    Do you have income protection in place?

    Your ability to earn is your most valuable asset. Is it insured?

  • 06

    Do you understand the fees you are paying on your investments?

    Even a 1% difference in fees can cost hundreds of thousands over time.

  • 07

    Do you have a plan for what happens to your estate when you pass away?

    Estate costs, executor fees and delays can leave your family exposed.

  • 08

    Has a qualified financial planner reviewed your full position in the last 12 months?

    A plan built years ago may no longer fit your life today.

This checklist is for general awareness purposes only and does not constitute a financial needs analysis, financial advice, or a recommendation of any kind. XPert Wealth (Pty) Ltd, FSP No. 51670, will only render financial advice following a full needs analysis and the issue of a formal Record of Advice.

Worth reviewing

Five things worth reviewing with a financial planner

These are not mistakes - they are gaps that most people simply have not had the chance to address yet. A single conversation can give you clarity on all of them.

01

Not having a will - or having one that is out of date

Dying without a valid will means the Intestate Succession Act decides who gets what. This can result in unintended beneficiaries, delayed estates, and real hardship for the people you wanted to protect.
02

Ignoring beneficiary nominations on retirement funds and life policies

Your will does not govern your retirement fund or group life policy. Those are directed by beneficiary nominations held by the product provider.
03

Having no income protection

Most people insure their car and their home. Far fewer insure their ability to earn. If you cannot work due to illness or injury, your income stops but your expenses do not.
04

Underestimating the cost of waiting to save for retirement

Compound growth rewards those who start early. Starting ten years later does not mean saving ten years less - it can mean arriving at retirement with half the capital.
05

Not knowing what you are paying in fees

Investment fees are often invisible, deducted before returns are reported. Over a 20 to 30 year horizon, even a 1% difference can amount to hundreds of thousands of rands.

The information above is provided for general educational purposes only and does not constitute financial advice. Individual circumstances vary. XPert Wealth (Pty) Ltd, FSP No. 51670, recommends that you seek professional financial advice tailored to your specific situation before making any financial decisions.