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COVER’s September edition brings together South Africa’s most relevant conversations on technology, sustainability, mutuality, and modern advice.

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December 8, 2025
Keep your family safe with intentional financial decisions this festive season
Siboniso Dlungwane urges South Africans to enjoy the festive season without sabotaging their finances. He highlights the risks of overspending, skipping premiums, cybercrime, and poor planning, and encourages saving, staying insured, involving family, and using financial tools to enter 2026 confidently.
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December 8, 2025
Your bonus isn’t broken – your budget is
Consult’s CFO Boipelo Ndimande discusses why your bonus might feel smaller than previous years, and how to stretch your budget to make it through the notoriously expensive holiday season.
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December 8, 2025
The end of the lost decade
South Africa’s “lost decade” that began with Nenegate is ending as reforms, improved governance, easing loadshedding, fiscal consolidation, and lower risk premiums restore market confidence. Izak Odendaal argues that investment, growth, and asset returns are strengthening, signalling a decisive shift toward recovery.
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December 8, 2025
South Africa on edge as major risks converge in 2026
South Africa enters 2026 in a deepening “polycrisis” as energy, water, logistics, cyber threats, political volatility, and climate shocks converge. Volker von Widdern warns that only integrated, cross-sector risk planning can prevent cascading failures and build national resilience.
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December 8, 2025
What’s shaping portfolios in 2026?
Foord Asset Management expects 2026 to be shaped by shifting macro forces, stretched US valuations, limits to the big-tech surge, and overlooked value in South African equities. The firm favours inflation-linked bonds, balanced global exposure, and quality local companies trading at compelling discounts.
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December 8, 2025
Self-employed professionals – upgrade your future with a solid RA
Self-employed individuals must take charge of their retirement planning, and a Retirement Annuity offers tax benefits, creditor protection, and long-term growth. Thomas Berry of PSG Wealth highlights discipline, early contributions, and the new two-pot system as key to building financial security and flexibility.
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December 8, 2025
Multiple careers, longer lives: 5 trends transforming retirement planning in 2026
Retirement in 2026 is no longer a single event but a fluid transition shaped by longer lifespans, shifting careers, and the rise of the Grey Zone economy. Craig Lawrence of BDO highlights the need for proactive planning, preservation discipline, and accessible financial guidance.
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December 8, 2025
Urgency for the insurance industry to align pricing with climate change dynamics
South Africa’s non-life insurers are shifting to advanced climate-risk modelling as extreme weather intensifies. Old Mutual Insure’s Clive Hogarth highlights rising premiums, data partnerships, new resilience tools, and the need for public-private collaboration to manage escalating climate risks and support sustainable protection.
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December 8, 2025
Standard Bank celebrates women leaders driving South Africa’s economic future
The 22nd Standard Bank Top Women™ Awards celebrated South Africa’s leading women across business, public service, and social impact, honouring trailblazers like Dr Leila Fourie. With over 800 attendees, the event highlighted women-led innovation, economic impact, and Standard Bank’s commitment to empowerment.
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December 8, 2025
Protect your RA from scammers and finfluencers
Scammers are increasingly impersonating financial institutions and industry leaders to target retirement savers, while unqualified “finfluencers” spread risky advice online. South Africans are urged to verify credentials, avoid unsolicited messages, protect personal information, and rely on trusted, regulated sources before making financial decisions.
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Download the 2023 TechFest eBook

Technology has become indispensable in the digital age. As for the insurance and financial industries, if you had the privilege, or foresight, to attend COVER's TechFest2023, you would have heard from the various presenters how crucial innovation on the back of technology has become for survival and a sustainable competitive strategy.
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In this e-book we feature a comprehensive overview of all the presentations and round table discussions. The videos of the sessions, for the full experience, can be viewed on our website.

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