Parhaat Allan Gray Podcastit (2024)

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23. Beyond the US: Separating the signals from the noise 50:20

3d ago50:20

50:20

The US has dominated global news flow in the wake of the presidential election, and market-moving headlines continue to present the temptation to act on impulse. As investors who focus on the fundamentals, the “great election year” has challenged Allan Gray and our offshore partner, Orbis, to continue to filter the signals from the noise to identif…

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22. A revival for South Africa’s retail giants? 52:42

1M ago52:42

52:42

As sentiment towards the South African economy improves following the formation of the government of national unity, some of the major retailers are seeing improved share performance. Lower oil prices, extended periods of uninterrupted power supply and the recent interest rate cut, which heralds a shift in policy, are notable short-term tailwinds t…

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21. How the great election year has shaped financial markets 50:11

2M ago50:11

50:11

Global elections have been a dominant force this year, with sentiment around polling and election results driving volatility in many markets. The ANC’s drastic decline at the polls and the formation of a government of national unity have been of keen interest to investors in SA Inc. Abroad, we have seen Labour take the lead by a landslide in the UK…

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20. Two-pot: How to achieve better retirement outcomes 40:29

4M ago40:29

40:29

The new two-pot retirement system has been designed to improve retirement outcomes for South Africans, while allowing some access to retirement savings in case of severe financial stress. However, there are some hidden risks that investors should be aware of to ensure they don’t inadvertently offset its intended benefits. Richard Carter, head of As…

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19. Building multi-asset portfolios in an uncertain world 54:00

5M ago54:00

54:00

Periods of heightened uncertainty are inevitable when you are investing over the long term. And when it is not clear when or how things might change, multi-asset portfolio construction becomes an increasingly complex task. For some time, our offshore partner, Orbis, has warned that the environment appears to be changing, noting stickier global infl…

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18. Investment notes from the frontier 50:03

6M ago50:03

50:03

Investing in frontier markets is not for the faint-hearted. But for those brave enough to look beyond material risks, such as political instability, currency fluctuations and poor liquidity, many of these smaller markets provide fertile hunting ground for compelling ideas and exposure to sectors that are not available in South Africa. In conversati…

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ALLAN GRAY – Lessons for investing in uncertain times 9:21

8M ago9:21

9:21

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…

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17. Trends shaping the future of investment management 41:56

8M ago41:56

41:56

The commonly accepted wisdom is that if we want a glimpse into the future of South Africa’s financial services sector, we should take a look at the United Kingdom’s financial landscape and delay the experience by a few years. In this conversation, Dan Brocklebank, UK head of our offshore partner, Orbis, joins portfolio manager Jithen Pillay to expl…

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ALLAN GRAY - How excess retirement fund contributions can benefit you throughout your lifetime 8:43

8M ago8:43

8:43

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…

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ALLAN GRAY – How to achieve a sustainable retirement income 15:35

8M ago15:35

15:35

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 discu…

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ALLAN GRAY: How staying the course gives you the long-term edge 11:20

9M ago11:20

11:20

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…

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16. Timeless lessons on risk, opportunity and living a good life – with Morgan Housel 53:45

9M ago53:45

53:45

With 2024 set to be a news-heavy year, investors are speculating about everything from what interest rates might do next, to the outcome of elections around the world. Given the levels of uncertainty, many are finding it hard to avoid panicking and making rash decisions based on emotions. Allan Gray portfolio manager Tim Acker is joined by renowned…

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ALLAN GRAY – How to maximise your tax benefits this February 10:11

10M ago10:11

10:11

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 poi…

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ALLAN GRAY FEATURE - Investing for education in an inflationary environment 9:17

10M ago9:17

9:17

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’…

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ALLAN GRAY: How to set SMART New Year’s money resolutions 9:37

10M ago9:37

9:37

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 …

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ALLAN GRAY – How to select an investment manager 12:27

12M ago12:27

12:27

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 th…

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15. Holding steady when global markets are in flux 51:37

12M ago51:37

51:37

The Investment teams at Allan Gray and Orbis have both been talking about the huge disparities in global valuations for some time. There are pockets of the market that are incredibly cheap, but many of the most popular regions and sectors are eye-wateringly expensive. For a moment last year, it seemed as though these disparities were beginning to n…

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ALLAN GRAY – How to tame temptation and resist the urge to splurge 8:56

12M ago8:56

8:56

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 planne…

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ALLAN GRAY FEATURE – How to recalibrate your finances in an inflationary environment 14:39

1y ago14:39

14:39

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 h…

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14. How to be a little less wrong – with James Aitken 55:15

1y ago55:15

55:15

When it comes to investing, marginal improvements can make a significant difference to investment returns over time. James Aitken, the founder of Aitken Advisors, has spent three decades gaining a deep understanding of the global financial system’s plumbing. He has carefully studied markets and investors to identify the subtle differences that can …

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ALLAN GRAY: 25 years of lessons for equity investors 11:25

1y ago11:25

11:25

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…

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ALLAN GRAY FEATURE– Challenges and opportunities with South Africa’s retirement fund system 12:02

1y ago12:02

12:02

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. Thro…

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ALLAN GRAY FEATURE – Investing in frontier markets 12:20

1y ago12:20

12:20

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…

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13. From Johannesburg to Japan: How to resist the magnetism of the magnificent seven 1:04:13

1y ago1:04:13

1:04:13

Buoyed by the ongoing excitement around artificial intelligence, the so-called “magnificent seven” (Apple, Amazon, Google, Meta, MSFT, Nvidia and Tesla) have been able to count themselves among this year’s biggest winners. And it is easy to understand why: They are great businesses at the forefront of the latest tech developments, and they are expe…

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ALLAN GRAY FEATURE – Unpacking the impact of accessing the two-pot savings withdrawal benefit 9:37

1y ago9:37

9:37

In six months’ time, the proposed “two-pot” retirement system is set to launch in South Africa, and with it, retirement savers will be able to access a portion of their savings ahead of retirement. Resisting the temptation to dip our hands into the proverbial cookie jar may prove challenging for many, but understanding the short- and long-term impa…

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ALLAN GRAY – Key questions to help you prepare for a secure retirement 10:39

1y ago10:39

10:39

ALLAN GRAY – Key questions to help you prepare for a secure retirement GUEST - Mica Townsend - specialist in the Group Savings and Investments team at Allan Gray, While our personal circumstances may differ, as retirement savers, we share one common goal – to have saved enough to ensure that the income we receive in retirement is sustainable for li…

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12. Lessons from the winners and losers of the last five years 47:23

1y ago47:23

47:23

Over the last five years, deteriorating domestic conditions and rapidly developing global trends have seen some well-known stocks, and even entire industries and markets, fall in and out of favour. From Ramaphoria and the COVID-19 pandemic, to the collapse of Steinhoff and Russia’s invasion of Ukraine, investors have been tasked with figuring out w…

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ALLAN GRAY FEATURE – The power of 1% 7:52

1+ y ago7:52

7:52

GUEST – Radhesen Naidoo - Joint head of Institutional Clients at Allan Gray In tennis, a match may last for two to three hours, and a tournament lasts for two weeks, but a career, multiple years. To play exceptionally well consistently is difficult. Similarly, many investment managers may achieve stellar investment returns over one quarter or a yea…

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ALLAN GRAY FEATURE - The behavioural gap: What is the cost of responding to your emotions in investing? 14:15

1+ y ago14:15

14:15

GUEST – Saleem Sonday, head of Retail Distribution at Allan Gray When emotions get in the way of investing, it can lead to a shortfall in the returns an investor can earn. This is an example of how behaviour can get in the way of investors reaching their long-term investment goals. Another example is attempting to time the market by switching betwe…

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ALLAN GRAY FEATURE - Three golden rules for long-term savings and investing success 13:58

1+ y ago13:58

13:58

GUEST – Earl Van Zyl - Head of Retail Product Development at Allan Gray Achieving long-term investment success is simple… But not easy. It demands unwavering determination to stick to your investment strategy and stay committed, even during turbulent times. This is the view of Earl Van Zyl, head of Retail Product Development at Allan Gray, who says…

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ALLAN GRAY - Are you ready for the 2023 tax-filing season? 11:42

1+ y ago11:42

11:42

GUEST – Meagan Fraser, tax specialist at Allan Gray The income tax season is officially open. As a taxpayer, understanding what your filing obligations are is crucial to ensuring that you remain tax compliant. During this tax season, the South African Revenue Service is once again making use of the auto-assessment process, but a few things have cha…

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11. Can long-term investors afford to invest without considering ESG? 50:14

1+ y ago50:14

50:14

Companies, and their shareholders, are facing increasing levels of scrutiny from the media, activists and the public for the impact they have on the environment and society. As we consider many of the recent headline-grabbing corporate failures, it becomes clear that companies that fail to consider and manage environmental, social and governance (E…

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ALLAN GRAY FEATURE– Are you making the most out of your tax-free investments? 19:57

1+ y ago19:57

19:57

GUEST – Mthobisi Mthimkhulu, Direct Clients manager at Allan Gray As long-term investors, we often say that there is no such thing as a free lunch: Performance is seldom delivered in a straight line, get-rich-quick schemes usually end in disappointment, and building long-term wealth takes time. This means that long-term investors must exercise pati…

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Personal finance lessons for your 20s and beyond 10:45

1+ y ago10:45

10:45

GUEST – Nomi Bodlani, head of Direct Clients at Allan Gray In the world of investing, like so many facets of life, the decisions you make today will impact your financial wellbeing in the long term – for better or worse. The secret to successful investing lies in your ability to make well-informed decisions and to stay committed long enough to reap…

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10. Are we entering a global stockpicker’s paradise? 40:26

1+ y ago40:26

40:26

In conversation with portfolio manager Rory Kutisker-Jacobson, Matthew Spencer from our offshore partner, Orbis, explains why the investment team believes that the stock market boom over the last few years is making way for a global stockpicker’s paradise. As the deflation of the “Everything Bubble” continues, long-term investors who remain focused…

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Dispelling umbrella fund fears for employers 8:55

1+ y ago8:55

8:55

GUEST – Mica Townsend, specialist in the Group Savings and Investments team at Allan Gray There has been a drive from single employer standalone funds to multi-employer umbrella funds, with the number of standalone funds dropping significantly from 774 in 2015 to 398 in 2022. The shift has largely been driven by the authorities to encourage consoli…

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ALLAN GRAY FEATURE – Equities matter – even for the cautious investor 12:27

1+ y ago12:27

12:27

GUEST – Marise Bester - Investment specialist at Allan Gray While equity markets are volatile and can underperform cash and bonds over shorter periods, over the long term, investors are compensated for this volatility with substantially higher returns. Equities play an important role in any multi-asset class portfolio – including those of risk-aver…

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09. Why South Africa is still attractive for investors 49:44

1+ y ago49:44

49:44

From persistent loadshedding to deteriorating national infrastructure, South Africa’s challenges are well known. The recurring negative headlines have prompted many investors to look into increasing their offshore exposure as they ask themselves whether investing in the local market is still worth the risk. In conversation with portfolio manager Ti…

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How can investors position their portfolios to benefit from the higher inflationary environment? 10:31

1+ y ago10:31

10:31

GUEST – Tim Acker, portfolio manager at Allan Gray Summary: As inflation in developed markets remains at elevated levels, interest rate increases have become a pressing issue. There is much debate on whether higher rates will lead to a slowdown significant enough to tip the global economy into recession. Either way, the repricing of risk and liquid…

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ALLAN GRAY FEATURE – Rate hike improves South Africa’s attractiveness for investors 13:54

1+ y ago13:54

13:54

GUEST – Thalia Petousis - Portfolio manager at Allan Gray The South African money market is fast becoming a saver’s haven. The overnight repo rate of 7.75% as at end-March reached its highest level in almost 14 years. The extent to which the South African Reserve Bank will keep hiking interest rates will depend on how confident it is that consumer …

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ALLAN GRAY – How to plan for an emergency fund in 2023 14:19

1+ y ago14:19

14:19

GUEST – Gladness Rupare - Investment specialist at Allan Gray The New York Times recently reported that a growing number of workers are getting access to a new job benefit: help with saving for unexpected expenses. The financial stress on workers brought about by both the pandemic and rising inflation, as well as employers’ need to attract employee…

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ALLAN GRAY – How to pave the way for better investment decisions 7:15

1+ y ago7:15

7:15

GUEST – Nomi Bodlani, Head of Direct Clients at Allan Gray When it comes to investing, most of us have good intentions, but the temptation to overspend often holds us back from achieving our financial goals. Understanding your environment and how it shapes your financial behaviour can help pave the way for making better decisions. Nomi Bodlani, hea…

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08. The new normal: What lies ahead? 31:17

1+ y ago31:17

31:17

As memories of masks and lockdown restrictions fade, investors face a new list of challenges. Locally, loadshedding has eroded business margins and is casting a shadow on the market. Abroad, the threat of a new banking crisis has proven extremely unsettling and is having a negative impact on sentiment. In the latest episode of The Allan Gray Podcas…

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ALLAN GRAY FEATURE - Post-Budget speech commentary | A Budget of tough trade-offs 12:32

1+ y ago12:32

12:32

UEST – Thalia Petousis, Portfolio manager at Allan Gray South Africa appears to have taken a step back from a threatening fiscal cliff, with Finance Minister Enoch Godongwana delivering a Budget speech that he described as one focused on making “tough trade-offs in the interests of the country’s short- and long-term prosperity” and not austerity. W…

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07. Massive market moves: How will they shape the years ahead? 53:52

2y ago53:52

53:52

2022 will probably be remembered for being the year of war and inflation, and the end of a decade of “free money” distorting markets. To put it in perspective, a passive 60:40 offshore balanced fund delivered probably its worst performance in US dollars in 100 years, sending a clear message to investors: Things have changed. Allan Gray chief invest…

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Tax Tips As We Head Into The 2023 Tax Season 18:16

2y ago18:16

18:16

Carla Rossouw, Head of Tax at Allan Gray Tax efficiency is a key aspect of a healthy financial plan. By making sure your tax affairs are in order, considering the tax implications of your investment decisions and maximising the tax benefits on offer, you can improve your financial outcomes. With the end of the current tax year approaching at the en…

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How Do I Overcome The Barriers To Investing? 13:39

2y ago13:39

13:39

Mthobisi Mthimkhulu - Private Clients manager at Allan Gray talks about How do I overcome the barriers to investing? Not sure how to save money? Follow these five easy steps. Investing is not a complicated activity only for rich people. It’s a great way to create financial security and everyone – even you – should get started, sooner rather than la…

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ALLAN GRAY FEATURE - Education inflation. 11:35

2y ago11:35

11:35

According to local data, parents can expect to pay between R2.5 million – R4 million to educate a child from primary school to tertiary level over the coming years. With the cost of education soaring, relying purely on your salary to finance your children’s education is becoming increasingly difficult. Kaya 959 · Kaya 959…

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06. Do local banks offer value in an inflationary world? 48:29

2y ago48:29

48:29

Although banks are generally geared to economic activity, many local banks proved to be resilient through the COVID-19 pandemic and have been good investments since. But in the current period of high global inflation and slowing economic activity, how will the local banking sector fare? Are there still long-term opportunities? Allan Gray portfolio …

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05. Are better outcomes for retirement savers on the horizon? 35:57

2y ago35:57

35:57

Retirement reform is on the horizon as the National Treasury takes steps to implement the proposed “two-pot retirement system”. The proposed system has the dual aim of creating limited access to retirement fund assets to help savers cope with short-term emergencies and improving the preservation of retirement savings – ultimately producing better r…

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