Kirshni Totaram, CFA, FIA

*The Future of Portfolio Management: Tech-Driven Risk Models* AQUA - Numoro's AM ETF listed on the JSE, is leading the charge in adaptive, risk-smart portfolio solutions, as highlighted in a Citywire article by well-known strategist Roland Rousseau. This insightful article supports Numoro's strategic vision of how machine learning can enhance portfolio management solutions. Discover how technology-driven risk models are becoming the cornerstone of tomorrow's portfolio management. 👉 Read the article here:  https://lnkd.in/drDtN4BB Citywire Morningstar Financial Times #PortfolioManagement #InvestmentStrategy #RiskManagement #FinancialInnovation #NumoroAM #AquaETFs

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📢Attention Financial Planners📢 Discover the Power of Partnership with Private Clients by Old Mutual Wealth. In the face of a challenging economic landscape, Old Mutual Wealth’s Private Clients has emerged as a beacon of growth and stability. Despite a weak currency and subdued business activity in South Africa, Private Clients has achieved remarkable success in 2023. Why Private Clients?  Private Clients offers a unique blend of bespoke global wealth and investment solutions, meticulously crafted to meet the intricate needs of high-net-worth individuals (HNWI). Their approach is not transactional but transformational, fostering enduring partnerships with financial planners and their clients. Read more about how Private Clients can transform your practice and help you achieve unparalleled success on Blue Chip Digital here ⬇️ https://lnkd.in/dJPtD_be #PrivateClients #FinancialPlanning #InvestmentManagement #FiduciaryServices #Partnership #Premiumisation #CFPs #Financialplanners

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Your clients could live until the age of 100. But will their money last? Just Retirement Insights tracks the South African retirement market. Respondents’ views on their life expectancy reveal that: ☑️ Many individuals in the 60–70 age group underestimate their lifespan, not realising that longevity trends could see them living much longer than they expect to. ☑️ This is worrying, as many people will need to decide in this decade what retirement income solution is best for them. Best practice suggests planning up to age 95 for men and 100 for women because these are the ages most likely to be reached. Interestingly, these probabilities remain consistent regardless of current age. For example, a 60-year-old male and an 80-year-old male both have approximately a 10% chance of living to 95. Read the Just Retirement Insights Report to learn more: >> https://lnkd.in/dqcGJdjn #JustSA #RetirementInsights #RetirementPlanning #LifeExpectancy

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A private annuity is the sale of property in exchange for an unsecured promise to make payments for the rest of your life. A private annuity differs from a commercial annuity because you arrange the annuity with a private party instead of a financial organization (e.g., an insurance company). You (the seller or annuitant) transfer complete ownership of property to another party (the buyer or obligor). The buyer in turn makes an unsecured promise to make periodic payments to you for the rest of your life (a single life annuity) or for your life and the life of a second person (a joint and survivor annuity). A joint and survivor annuity provides payments until the death of the last survivor (e.g., payments continue as long as either the husband or wife is still alive). A typical private annuity involves the transfer of appreciated property from parents to their children.

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A private annuity is the sale of property in exchange for an unsecured promise to make payments for the rest of your life. A private annuity differs from a commercial annuity because you arrange the annuity with a private party instead of a financial organization (e.g., an insurance company). You (the seller or annuitant) transfer complete ownership of property to another party (the buyer or obligor). The buyer in turn makes an unsecured promise to make periodic payments to you for the rest of your life (a single life annuity) or for your life and the life of a second person (a joint and survivor annuity). A joint and survivor annuity provides payments until the death of the last survivor (e.g., payments continue as long as either the husband or wife is still alive). A typical private annuity involves the transfer of appreciated property from parents to their children.

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By effectively segmenting our client base, we can offer personalised services, improve communication and build stronger relationships. Francois du Toit CFP®, PROpulsion, discusses the power of #clientsegmentation as a key to growing your #financialplaningpractive. https://lnkd.in/det6s-Z5 #technology #AI #clientengagement

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Global Emerging Markets Multi-Asset I Masterclass During this insightful session, Andrew Davison, Head of Institutional at Old Mutual Multi-Managers, joins a panel of experts delving into building resilient portfolios with exposure to emerging markets. The discussion also touches on key considerations when navigating opportunities within emerging markets in a multi-asset portfolio, the influence of the dollar, the Government of National Unity (GNU) and artificial intelligence. Watch now: https://lnkd.in/d3NKQcJz #OldMutualWealth #multimanagers #wealthmanagement #financialplanning

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Video Interview with Andrew Davison: should investment strategies change under the two-pot system? Old Mutual’s Andrew Davison highlights why the two-pot system could lead to better retirement outcomes – and what trustees and advisers need to consider to make it happen. Learn more: https://buff.ly/4fTSSQa #AndrewDavison #defaultportfolios #financialplanning #illiquidassets #investmentstrategies #longterminvesting #memberchoice #OldMutualMultiManagers #preservation #privateequity #replacementratio #retirementfunds #retirementoutcomes #retirementplanning #retirementsavings #shorttermsavings #twopotretirementsystem

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As the investment landscape evolves, so does the role of #financialadvisors. Equilibrium, a leading player in the South African investment management industry, has not only adapted to change but thrived by embracing balance and innovation. Are you an advisor seeking balance and excellence? Read the article below for the solution🔗 https://lnkd.in/dD_zeaH6 #Equilibrium #financialplanning #investments #InvestmentManagement #BalanceMatters

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"Working as an Actuarial Analyst shifted my #perspective. Immersed in solving for South Africa's middle #market needs, I discovered a #passion for #innovative solutions to address real-world challenges. Every role since has aimed to fulfill this passion, driving me to make meaningful impacts," says Teshlin Akaloo, MD, NetcarePlus. #leadership #leadershipseries2024 #financialsector #riskmanagement #risk #healthcare #insurance #actuarial #actuaries Netcare

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Joanne Baynham hosts this Masterlcass on Discretionary Fund Management, with Roland Gräbe, CFA, Old Mutual Wealth, Andrew Cormack, INN8 Invest, and Roeloff Horne, MitonOptimal South Africa👉 https://lnkd.in/ex7qa7QE Hear industry insights on topics such as #BehaviouralFinance, the many layers of cost, why a client should be paying extra fees to a #DFM, tactical #AssetAllocation, and the real return forecast for local equities vs. global equities.

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Sanlam Smooth Bonus Market Value Adjustments guide | Q2 2024 Performance Update – Melissa Reddy, Senior Investment Consultant: Sanlam Corporate: Investments Melissa explains smooth bonus market value adjustments and how it applies to benefits payments (like death, disability, dismissal, resignation, retirement or retrenchment) and selective withdrawals (examples switching between portfolios and two-pot savings withdrawals). To view the video, click below.

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The Two-Pot System was launched in South Africa in September, and we’re here to make sure you understand how it impacts your retirement savings. Our CERTIFIED FINANCIAL PLANNER, Sheila-ann Robey CFP® breaks it down, answering the key questions you might have: Do pensions, provident funds & retirement annuities fall under the Two-Pot System? 💡 Does it affect GEPF? 🏦 What happens if you don't make a withdrawal during the year? 📅 How many withdrawals can you make? 🔄 What happens in September 2025? 📆 What costs are involved if you withdraw the money? 💸 Will a withdrawal affect my retirement? 🤔 We’re making the Two-Pot System easier for you to understand so you can make informed decisions about your financial future. 👉 Need personalised advice? Find a financial professional who can guide you every step of the way: https://lnkd.in/dnPmvD4N Stay informed and secure your financial future with the right knowledge and professional guidance! 💼💰 #FPI #TwoPotSystem #RetirementPlanning #FinancialAdvice #SouthAfrica #CertifiedFinancialPlanner

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How important are relationships in the advice industry? In this week’s edition of #PlatformPerspectives, Specialist Investment Consultant (SIC), Angela Nxumalo shares her thoughts on crafting robust relationships with clients, and continually arming yourself with the right skills and knowledge needed for success. #SIC #INN8Journey INN8 Investment Platform

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