Allan Gray Kaya Biz

Allan Gray's Meagan Fraser guides listeners through the first week of tax season — from auto‑assessments and pre‑populated errors to missing documents and two‑pot withdrawals. A practical, proactive roadmap to filing accurately and avoiding costly delays. www.kaya959.co.za · Kaya 959

Allan Gray’s Siyasanga Mlozana explains why long‑term retirement success hinges not only on contributions but also on behavioural choices — starting early, staying invested, resisting early withdrawals, and preserving savings when changing jobs. A practical guide to building a stronger financial future. Kaya 959

Periods of global tension and rapid technological change often trigger emotional investing. Allan Gray’s Nomi Bodlani explores why discomfort leads to poor decisions, how to stay disciplined, and what history teaches about long‑term investing during volatile cycles. Kaya 959

This week on Kaya Biz, Allan Gray’s head of Direct and Private Clients, Nomi Bodlani, discusses the habits that set successful investors apart. She’ll cover a range of topics, from having a clear plan and maintaining patience to managing emotions and blocking out short-term noise. Kaya 959

In a welcome shift, the 2026 Budget introduces no major tax hikes while boosting tax-free savings, retirement contribution limits, and offshore allowances. These changes could significantly benefit long-term investors. Shaun Duddy, head of Retail Product Development at Allan Gray, explains how South Africans can make the most of the new tax year. Kaya 959

As we approach the end of the tax year this week, many South Africans are reviewingwhether they’ve made the most of the annual tax benefits offered through retirement fundcontributions. Retirement fund contributions are tax‑deductible within certain limits – and growth inside these products is tax‑free – which ranks them among the most powerful long‑term investment tools available. In this Kaya Bi...

Compounding is usually discussed and understood in financial terms, but is the effect of compounding behaviour equally as powerful? In this Kaya Biz conversation, we look at three Scenarios using the Allan Gray Balanced Fund to assess the impact of behaviour over the long term. We explore how small actions, consistency and steady progression can lead to positive long‑term outcomes. As the new year...

After a strong year for both local and global markets, many investors are sitting on meaningful gains- but may also be feeling unsure about what comes next. The Allan Gray Balanced Fund delivered an exceptional 24% return in 2025, well ahead of its long-term average, supported by strong returns from precious metals, offshore assets and local bonds. A key feature of the local market’s strength was...

Guest – Radhesen Naidoo, joint head of Institutional Clients at Allan Gray A 25-year period of investing is a long time. To put this into context, if we cast our minds back 25 years, it was the beginning of the new millennium, we had just filed away Y2K crisis preparation plans, and we still watched the SABC news for world updates. Mission: Impossible 2 was the highest-grossing film of 2000 and te...

For many South Africans, their retirement savings pot represents the biggest financial asset they hold. Employers have a duty to protect their employees’ financial interests and ensure that the choices made in relation to selecting the retirement funds in which their contributions will be invested are sound and can positively impact their long-term financial outcomes. Equally, employees also have...

Guest: Nomi Bodlani, head of Private and Direct Clients at Allan Gray. After a turbulent six months, investors could be forgiven for looking to eliminate risk altogether. But eliminating risk entirely is not possible (or a good idea): Successful long-term investing is about balancing the risk of loss and the risk of losing out. How can you assess whether your portfolios are resilient enough to wea...

Guest - Mthobisi Mthimkhulu, Senior Manager for the Private and Direct Clients. Many investors underplay the importance of financial advice often to the detriment of the performance of their portfolios over time. A good, independent financial adviser can dramatically improve your financial outcomes by guiding your financial planning decisions over your investing journey, helping you avoid investin...

GUEST - Tim Acker - Portfolio manager at Allan Gray With 2024 being an election year for almost half the world’s population, including South Africa, the US and the UK, many investors are worried about what the future holds and how it will affect their wealth. But the times we live in will always be uncertain and the trick is to remember many of the behavioural biases that erode wealth during perio...

GUEST - Meagan Fraser, Tax manager at Allan Gray One of the key benefits of investing for retirement using a retirement fund is the generous tax deduction taxpayers receive for saving towards their retirement. But is there any benefit in contributing beyond the maximum annual tax-deductible amount to a retirement fund? Meagan Fraser, tax manager at Allan Gray, joins Kaya Biz to unpack the tax bene...

GUEST – Richard Carter - Head of Assurance at Allan Gray According to industry stats, the average South African retiree can replace just 31% of their monthly income when they reach retirement. Most income-earners face the very real risk of outliving their retirement nest egg. Richard Carter, head of Assurance at Allan Gray, joins Kaya Bizz to discuss how to plan for and achieve a sustainable retir...

GUEST - Mthobisi Mthimkhulu - Direct Clients manager at Allan Gray In a world where instant gratification is king, it can be hard not to get distracted by the lure of short-term gains. But taking a long-term view of your investments and staying the course can give you the edge to achieve better investment returns over time. Kaya 959

The end of the tax year in February presents an opportunity to evaluate the tax efficiency of your financial plan. With many competing financial priorities in the current economic climate, as well as the pending changes to the retirement fund system, you may be wondering whether maximising the annual tax incentives still makes sense. Discussion points:  Why is it important to think about tax when...

GUEST – Shaheed Mohamed, Head of Group Savings and Investments at Allan Gray School fee increases in South Africa have, on average, been roughly 2.6% above inflation every year since 2012, aside from 2021. In an environment of already high consumer inflation, this packs an extra punch. Many of us rely purely on our salaries to pay for our children’s education. We absorb the cost from month to mont...

GUEST – Marise Bester, senior investment specialist at Allan Gray The first few weeks of a new year can feel like a clean slate and a good time to give our finances a fresh start. Research suggests that we are most motivated to achieve the goals we set when we action them at the start of a new period. Marise Bester, senior investment specialist at Allan Gray joins Kaya Bizz to discuss how to set a...

GUEST – Nomi Bodlani - Head of Direct Clients at Allan Gray Past performance is often the first and sometimes the only factor investors evaluate when choosing an investment manager. But as the disclaimer goes: ‘Past performance does not indicate future returns’. This is because there is simply no guarantee that performance can be replicated over the long term. Beyond performance, there are several...

GUEST – Gladness Rupare – Investment specialist at Allan Gray The season of “irresistible” specials has officially kicked off and the temptation to overspend lies around just about every corner. In the hive of festive activity and faced with ‘deals that are too good to resist’, it’s easy to forget your financial goals and spend more than you planned. Practicing self-control and harnessing the will...

GUEST – Lise-Mari Crafford, head of ManCo Distribution at Allan Gray In any period of change, like the current high inflationary environment escalating living costs across the board, we are forced to make adjustments to our finances. Not all adjustments are necessarily negative ones, and they can be leveraged to form new, positive habits that can help us achieve better financial planning outcomes...

GUEST - Tamryn Lamb, head of Retail at Allan Gray This year, as Allan Gray celebrates 50 years of long-term investing, its first unit trust, the Allan Gray Equity Fund celebrates its 25th anniversary. When the fund launched 25 years ago, Nelson Mandela was the president, financial markets faced a liquidity crisis after Russia unexpectedly defaulted on its foreign debt, the prime interest lending r...

GUEST – Richard Carter, Head of Assurance at Allan Gray While South Africa’s retirement fund system has consistently produced inferior outcomes for savers, it is also ranked among the bottom 10 systems in the world. Savings leakages and low private pension fund participation are noted as the weak links dragging the overall system ratings down. Through retirement reform interventions like the two-p...

GUEST – Varshan Maharaj - Portfolio manager at Allan Gray One of the benefits that frontier markets offer South African investors is exposure to sectors that might not be available on the domestic stock market. Frontier markets can provide long-term investors with an exciting hunting ground for investment ideas, but being able to weigh-up the risks in these environments, is key to success. Allan G...