Small Decisions, Big Retirement Outcomes

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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.

23 Jun English South Africa Investing · Investing

Why “This Time Is Different” Is Every Investor’s Trap

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.

9 Jun 13 min

These habits could change the way you invest

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.

31 Mar 12 min

Budget 2026 brings rare relief for investors

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…

17 Mar 20 min

Long‑term benefits of maximising your retirement fund contributions

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…

24 Feb 10 min

The compounding power of micro wins

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,…

10 Feb 9 min