Africa presents many trade and investment opportunities. With 54 countries, 8 territories and 1.3 billion people, Africa is the world's second-largest and second-most populous continent, after Asia in both cases. South Africa, at the southernmost tip of Africa, naturally has access to the rest of African markets. How can we as South Africans take advantages of intra-Africa trade? What are the pitfalls? What is the status of the African Continental Free Trade Area agreement (AFCFTA)? I had the pleasure of interviewing Ronny Mkhwanazi, a Corporate and Trade Lawyer specialising in Intra-Africa Trade. Watch the video below as we unpacked the opportunities, legal framework and strategies for accessing various African countries. The presentation slides is available for download here
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The flu season is here again and with this year’s flu season expected to be more severe, South Africans should seriously consider getting their influenza (flu) vaccine, a local disease expert warns. We are here to remind our Medical Aid Members that use this time to get the flu vaccine, to strengthen immunity, and let you enjoy this winter in the healthiest way possible. Since Covid 19 came into our lives, its very hard distinguish the difference between the two. It is rather important to note that Flu and COVID-19 are very different diseases. Although Flu and COVID-19 may present similar symptoms, the viruses that cause them are not the same. COVID-19 is caused by infection with SARS-CoV-2, and flu is caused by infection with influenza viruses. To gain protection against each, you need to have the vaccine developed against each disease. You don't have to wait between COVID-19 and flu vaccinations. You can have them at the same time and, if you've had COVID-19 and recovered, it's safe to have the flu vaccine. Remember to give the healthcare provider your Medical aid company name and your Medical Aid number. Below we indicate with the different medical aid Providers , you can go about getting the vaccine through your Medical Aid Provider. Discovery Flu shot is paid from savings, or if you are on the Smart Plan, it is paid from your OTC benefit; if you are on the Core Plan, you then will need to pay from your pocket. You may go to: Medirite + Pharmacy (No dispensing and admin fees), ICPA (independent community pharmacy association), Clicks or Dis-chem. Momentum Flu vaccine is paid from Health Platform Benefit, you can either contact Momentum via WhatsApp (+27860117859), Momentum App, access your Momentum profile or call 0860117959 to notify Momentum. Bonitas Bonitas offers all members a free flu vaccine once a year. Simply go to Dis-chem, Clicks, or Pick n Pay Pharmacies. FedHealth FedHealth offers all members a free flu vaccine once a year, you need to pay R36 for admin fee. Fedhealth covers both flu vaccines, namely quadrivalent (QIV) and trivalent (TIV) vaccines. Profmed One flu vaccine per person per year is covered by Profmed Scheme. You must use a Designated Service Provider (DSP). If you want to know more about preventative benefits, please contact Namhla in our Health Department, email service@daberistic.com , Tel (011)658-1333 Do you think of yourself as a healthy person? If you exercise a few times a week, make mostly positive eating choices, and rarely become seriously ill, you might well consider yourself to be. In fact, the thought of contracting a severe illness has most likely never entered your mind. Until you arrive at work one day to find out that an apparently healthy colleague of the same age as you has just been diagnosed with cancer. Then the realisation hits, there's a chance it could just as easily have happened to you. Suddenly you start to consider the possibility that a severe illness could become a reality in your own life. And that protecting yourself and your family against the risk of an illness is more than a nice-to-have it's a must-have in every way. Do I really need severe illness cover? It's a good question and if you're relatively young and in good health, you may think the answer to be a resounding no. But for a more accurate assessment of your potential risk factors, a look at actual statistics might help shed some valuable light. Over the past year, the severe illness claims paid out to Discovery Life clients have painted an interesting picture:
Cover for severe illness When choosing your level of cover you should consider any outstanding debt and other liabilities that you would have to settle if you were to become severely ill. It is also important to consider the cost of modifications or lifestyle changes that would be required as a result of a severe illness. Set up an appointment with a Financial Advisor Kevin, please contact Nicole in our Life Department, email life@daberistic.com, tel (011)658-1333 Source: Discovery For our investors investing in Morningstar Managed Portfolios, click below to access the latest performance snapshot, market commentary and market performance summary: Morningstar SA Managed Portfolios Morningstar Global Managed Portfolios (USD) SA Q1 Portfolio Commentary Global Q1 Portfolio Commentary Market Commentary - SA and Global Market Performance Summary - SA and Global In partnership with Morningstar: When comparing current markets to that of a year ago, it is hard to believe that we are already in a completely different place in such a short amount of time. What started as a strong recovery (after the March 2020 crash), synchronized global growth and supportive monetary policy has turned due to war, mentions of a potential recession approaching, four-decade high inflation, a rise in bond yields and rising interest rates across most markets. Planning how to manage your capital after retirement is probably one of the most complex problems in financial planning, especially when markets are turbulent. In partnership with Morningstar: Whether it is via a credit card, personal loan, or a home loan, most investors have experience with interest rates. When it comes to bonds and the impact of interest rate increases on investment portfolios, investors are often left scratching their heads. Bonds are used within investment portfolios to provide income, reduce risk, for growth, or for diversification purposes. However, as most central banks globally prepare to raise interest rates to stave off increasing inflation, some worry about the effects of these interest rate hikes on their investment portfolio. |
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January 2025
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