The Two-Pot retirement system offers South Africans limited access to savings for short-term relief while preserving long-term benefits, but successful withdrawals depend on accurate data, compliance, and digital processes, with members urged to use funds cautiously to protect future retirement outcomes.
Allianz Trade has appointed Luke Morawitz as Country Manager for South Africa, effective 1 February 2026, while he retains his role as Head of Credit. A 14-year veteran of the business, Morawitz succeeds into the leadership role reporting to Luca Burrafato, Head of MMEA.
The Allianz Risk Barometer 2026 highlights cyber incidents as the top global risk for a fifth year, with AI surging to second place amid rapid adoption, while geopolitical tensions, regulation, and business interruption continue reshaping the global risk landscape.
As festive foot traffic surges, slip-and-fall risks rise, highlighting recent case law on liability in malls. A key judgment confirms that cleaning contractors aren’t liable for hazards they aren’t contracted to monitor, placing primary responsibility on mall owners and managing agents.
AI’s explosive growth is reshaping the physical world, sparking a massive global data center construction wave. Discover the forces driving this expansion, the risks and rising costs involved, and whether the boom can be sustained in the years ahead.
Darryl Moodley, CEO of Sanlam Investments Multi-Manager, says René Basson’s appointment will strengthen the firm’s marketing capability, leveraging her strategic expertise to enhance brand positioning, client engagement and growth in a competitive market.
Nerosha Maseti, Lead Ombud for the NFO’s Banking and Credit Division, warns that allowing others to use your bank account can lead to frozen accounts, fraud listings and long-term financial exclusion, urging consumers to avoid “easy money” schemes and ensure all account activity is legitimate.
Kashif Noor, Head of Retail Distribution at Ashburton Investments, says true financial literacy is about intentional planning and consistency, encouraging individuals to shift from restrictive budgeting to purposeful money management, build safety nets, and invest early to grow long-term wealth.
Cebile Zibi, Head of Trade Marketing at Momentum Advice, says teaching children financial discipline, like saving, delayed gratification and understanding value, is essential to building long-term financial resilience and equipping them to manage money confidently in adulthood.
The Two-Pot retirement system offers South Africans limited access to savings for short-term relief while preserving long-term benefits, but successful withdrawals depend on accurate data, compliance, and digital processes, with members urged to use funds cautiously to protect future retirement outcomes.
Stakeholder management and public relations have converged into a single strategic function, essential for cutting through information overload, building trust, and sustaining competitive advantage. Organisations that integrate engagement and communication effectively can strengthen reputation, drive growth, and create lasting differentiation in a rapidly evolving business environment.
Lethu Zulu, Head of Hedge Funds at Sanlam Investments Multi-Manager, says while market shocks exposed vulnerabilities, well-managed hedge funds proved their value through flexibility, capital preservation and active positioning, highlighting the importance of careful manager selection
Daniel van Andel, Head of Platform and Adviser Proposition at Allan Gray, says investors should stay focused on long-term goals and maintain diversified portfolios, avoiding short-term reactions to market volatility while using opportunities like increased offshore allowances to enhance global exposure.
Thabo Twalo, Chief Underwriting Officer at Santam, says small maintenance oversights on farms can quickly escalate into major losses, emphasising that proactive upkeep and early intervention are critical to preventing costly damage and insurance claims.
Mamoeti Nosi, Product Head: Events at iTOO Special Risks, says comprehensive event insurance is essential for managing the complex risks of large-scale events like the Comrades Marathon, ensuring organisers can deliver safe, resilient and successful experiences despite unforeseen challenges.
Dipesh Radia, Chief Commercial Officer at Momentum Insure, says insurance policies can become outdated through gradual life changes, urging policyholders to regularly review cover to ensure it accurately reflects evolving assets, lifestyles, and risk profiles.
Jason Veitch, Head of Travel, Accident and Health at Santam Travel Insurance, says choosing the right travel insurance depends on understanding your trip risks, with comprehensive cover, especially medical insurance, being essential to protect against costly emergencies and disruptions.
Ryno de Kock, Head of Distribution at PSG Insure, says insurance claims are often rejected due to common oversights such as misunderstanding cover, poor maintenance, or delayed reporting, stressing the importance of proactively understanding policies to avoid costly surprises.
Schalk Malan, Head of Insurance at Liberty and Standard Bank Group, warns that South Africa’s growing insurance gap leaves many households financially vulnerable, with insufficient cover for death, disability, and illness. He emphasises the urgent need for better education, accessible products, and proactive financial planning.
The African Insurance Awards (AIA) 2026 will take place on 7 June 2026 in Cairo, celebrating excellence and innovation across the industry. Nominations are open until 13 April 2026 across categories including CEO, Insurance Company, Innovation, and InsurTech of the Year.
Marriott Investment Managers says integrating AI into its investment process enhances analytical depth and efficiency, allowing analysts to focus on judgement and decision-making, while maintaining a disciplined, long-term dividend-focused philosophy supported by strong governance.
Andre Symes, CEO of Genasys, says the appointment of Hugh Hessing and Gavin Routledge strengthens the company’s leadership, bringing deep industry and strategic expertise to support its growth as a mid-market challenger in insurance technology.
Senzo Mbhele, Managing Director at Cloud On Demand, says businesses should move beyond AI hype and focus on practical, value-driven use cases. He emphasises that AI works best when augmenting people, starting small, and aligning with clear business outcomes rather than replacing human roles.
Allan Juma, Lead Cyber Security Engineer at ESET, says multicloud strategies should be viewed as essential enablers of resilience, compliance and innovation, rather than just cost centres, helping businesses remain competitive, secure and operational in an increasingly complex and risk-prone environment.
Personalisation is evolving but remains underutilised. Andrew Solomon, Client Strategy Director at Achievement Awards Group, explores its challenges—data complexity, AI integration, and resource constraints. Despite these hurdles, businesses can start small, refine strategies, and gradually enhance customer engagement through tailored experiences.
Complaints are an inevitable aspect of running a business. Handling these customer grievances effectively is crucial, not only for maintaining a good relationship with the complaining customer but also for safeguarding your business’s reputation - especially in an era where social media can amplify an individual’s voice
Janeesha Ragubeer, Area Manager at Business Partners Limited, foresees a promising season ahead for South African small businesses, offering her insights on three actionable strategies to help them flourish this spring.
