https://www.southerncharter.co.za/insights daily 0.75 2023-09-13 https://www.southerncharter.co.za/insights/a-beginners-guide-to-investing-with-expert-guidance monthly 0.5 2023-09-12 https://www.southerncharter.co.za/insights/defending-against-the-fraudsters monthly 0.5 2023-09-12 https://www.southerncharter.co.za/insights/q2-macro-economic-update-summary monthly 0.5 2023-09-12 https://www.southerncharter.co.za/insights/what-were-reading-the-psychology-of-money monthly 0.5 2023-09-13 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/a438e5cc-cf64-47a1-b03a-22742e513ee9/The+Psychology+of+Money%3A+Timeless+lessons+on+wealth%2C+greed%2C+and+happiness.png Articles - What We’re Reading - The psychology of money - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/three-awards-for-the-southern-charter-funds monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/dc7ce2f9-6d00-4ece-a37c-a0511315a574/Screenshot+2022-02-07+at+14.38.37.png Articles - Three Awards for the Southern Charter Funds - Southern Charter BCI Balanced Fund Best Mixed-Asset Balanced Fund https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/c1a198a1-7958-4d20-9afa-81b1f796a833/Screenshot+2022-02-07+at+14.46.06_0.png Articles - Three Awards for the Southern Charter Funds - Southern Charter BCI Balanced Fund Best South African Multi-Asset Medium Equity Fund on a Risk-Adjusted Basis https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/c1a198a1-7958-4d20-9afa-81b1f796a833/Screenshot+2022-02-07+at+14.46.06_0.png Articles - Three Awards for the Southern Charter Funds - Southern Charter BCI Balanced Fund Best South African Multi-Asset Medium Equity Fund https://www.southerncharter.co.za/insights/setting-up-an-emergency-fund monthly 0.5 2023-04-06 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1675778612020-XCXZRL7H1RKB1XFW759T/unsplash-image-CQLlhthDBvw.jpg Articles - Setting up an emergency fund   - What is an emergency fund? An emergency fund can mean different things to different people. In this context, we are referring to money that you have saved that you can access within a day or two’s notice and the funds won’t be negatively affected by a withdraw on short notice. You might be asking what do you mean by negatively affected? Well if your money is invested in a high equity fund and the markets are down, you will then lock in those loses if you withdraw, which should be avoided if possible. Alternatively, you could have put the money in a fixed-term deposit (32 day account) that comes with hefty penalties for early withdrawal, also not ideal. Tip: You can access the money within a day or two’s notice and it won’t be negatively affected when you withdraw in short notice. https://www.southerncharter.co.za/insights/no-such-thing-as-a-free-lunch monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1676897009240-2TXVD0D72K35OME0LJZK/unsplash-image-zVkL5L7eGrw.jpg Articles - No such thing as a free lunch. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/economic-update monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1676713926162-4ZKQGCAOIS7Y1R6AFG21/unsplash-image-ElX8Lc-FYjw.jpg Articles - Economic Update - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/d666ca7d-2d41-4885-9842-16e6c858a648/Economic+Update+1.PNG Articles - Economic Update - Make it stand out Markets deliver a strong recovery despite a deep global recession. Graph shows the weekly return of the S&P 500 index having recovered to just under 300 point less than its pre-COVID-19 levels https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/e658dd8b-f0e7-42c4-b74f-95b24cff11b6/Economic+Update+2.PNG Articles - Economic Update - Make it stand out Green shoots of economic hope emerge late in the quarter. Graph from JP Morgan shows high frequency activity data that act as good leading indicators to more robust measures of the economy. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1da6b213-f089-4454-a520-1a4f5c0a1cc9/Economic+Update+3.PNG Articles - Economic Update - Make it stand out Commodities rally as China recovers Graph shows Commodity Research Beurre index (red) and Platinum price (green) making a strong recovery in Q2 of 2020 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/dd23821a-ce33-4de9-b06f-c172b7ca572e/Economic+Update+4.PNG Articles - Economic Update - Make it stand out Fiscal stimulus and continued easy monetary policy Graph shows prime interest rate over time with aggressive 2009 style cut. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/8fed324e-5fde-4b9b-b420-12b1f50a1353/Economic+Update+5.PNG Articles - Economic Update - Make it stand out Bonds stage a large rally Graph shows two SA government bonds yields. The bond yields are attractive at their current levels. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/123e1620-6fef-4e61-b9fb-6baec8d27877/Economic+Update+6.PNG Articles - Economic Update - Make it stand out The Rand firmed in line with other emerging markets Graph show the Rand vs the US dollar over time. The rand has recovered significantly in Q2 of 2020. https://www.southerncharter.co.za/insights/trade-winds-notes-from-the-skippers-desk-on-the-journey-ahead monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1677042813455-SNT00GEZFTDVPPQH37S0/unsplash-image-Q6UehpkBSnQ.jpg Articles - Trade Winds – Notes from the skipper’s desk on the journey ahead. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/the-unknowns-of-changing-jobs monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1677041643590-9EH3GEDXHAGQJWSJ6SPM/unsplash-image--2vD8lIhdnw.jpg Articles - The Unknowns of Changing Jobs - Unless you are a serial entrepreneur from graduation until the end of your working career, at some point in life you will change jobs. Some may change jobs every couple of years to remarket themselves and have the opportunity for an improved income. In the current economic climate where job security is a scarcity, you may find yourself rethinking the industry you are in or perhaps find yourself being forced to find something that pays better. There seems to be an information gap when changing jobs. Most companies don’t make a concerted effort to ensure that you understand the impact on your benefits and your new company seem to emphasize your ‘boosted” net salary, making it seem that your new package is impressive. The bottom line is that there is a terrible gap and you suffer the consequences as a result, not any company. https://www.southerncharter.co.za/insights/raising-smarter-savers monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1677044806534-6NN90RLJ42GB66H5EBUK/unsplash-image-pElSkGRA2NU.jpg Articles - Raising Smarter Savers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/what-the-tfi monthly 0.5 2026-03-20 https://www.southerncharter.co.za/insights/key-tax-deadline-dates-for-the-year-ended-28-february-2018 monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/c9b06787-6191-442c-86dd-61bbccae9bc5/Key+tax+deadline+1.PNG Articles - Key tax deadline dates for the year ended 28 February 2018 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/62bf75d7-40ec-4203-b6ac-608d35c87ca7/Key+tax+deadline+2.PNG Articles - Key tax deadline dates for the year ended 28 February 2018 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/understanding-your-credit-score monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1677045471661-5QPFTC5MNYAAEX7ETEPJ/unsplash-image-RJQE64NmC_o.jpg Articles - Understanding your credit score - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/rules-of-thumb-for-buying-property-episode-three-settling-your-home-loan monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1677123603800-IU6H96PWO6JXKAJRLZ1P/unsplash-image-r3WAWU5Fi5Q.jpg Articles - Rules of thumb for buying property: Episode three: Settling your home loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/quantifying-the-value-of-financial-advice monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1677046009080-0N6JEDXWHSIR5KS34D7G/unsplash-image-P4WNwqaen7o.jpg Articles - Quantifying the value of financial advice - You may have wondered whether hiring a financial advisor is worth it. After all, they charge you money to make you money, which seems counterintuitive. You may even have heard others say that you are better off keeping that fee for yourself and investing your money according to what you have heard and read in the news. The truth is, however, that good financial planning extends beyond where and how you invest, and, according to several sources, so does good financial advice. Simply put, financial advisors make decisions about money to help clients meet certain goals and aspirations over their lifetime, where planning is a continuing process of anticipating and adapting to changes in personal circumstances over the long term. But, financial planning advice is more complex than this and, as the financial advice industry continues to gravitate towards fee-based advice, as opposed to commission based, there is great temptation to define an advisor’s value-add as an annualised number. After all, their value and impact on their client’s wealth creation is very real indeed. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/72f48d50-502e-46a2-a284-d272a7a41fd5/quantifying+the+value.PNG Articles - Quantifying the value of financial advice - Source: authors’ estimates from the Wealth and Asset Survey (2006-08, 2012-14); estimates show predicted financial asset for treated and control groups by age category. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/5e91cf4e-c78d-4a91-84de-7a49e7b8f7df/quantifying+the+value+2.PNG Articles - Quantifying the value of financial advice - Source: authors’ estimates from the Wealth and Asset Survey (2012/14) data are weighted using cross section weights. https://www.southerncharter.co.za/insights/rules-of-thumb-for-buying-property-episode-2 monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1677122730321-K1JTYVWIV4GVL3ETSGS2/unsplash-image-r3WAWU5Fi5Q.jpg Articles - Rules of thumb for buying property: Episode 2 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1677123021166-LQI68K6A7IMLIDZ55O8P/unsplash-image-3xwrg7Vv6Ts.jpg Articles - Rules of thumb for buying property: Episode 2 - Rule one: Know how much you can afford Typically, no more than 28% of your gross (i.e. before tax) monthly income should go towards your housing expenses, including your mortgage payment, property taxes, and insurance. Once you add in monthly payments on other debt, the total should not exceed 36% of your gross income. For example: If your gross income is R60 000 a month, your housing expenses should not exceed R16 800 a month which includes your mortgage payment. Some websites offer useful calculators to determine how much you can afford. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1677123072442-DP31S078HT4X0VVML6TQ/unsplash-image-5OUMf1Mr5pU.jpg Articles - Rules of thumb for buying property: Episode 2 - Rule two: Start saving for a deposit Having a substantial deposit demonstrates your ability to save and manage your money which it turn increases your chances of getting loan approval. A general guideline is to aim for 10-15% of the property value as this will likely cover registration costs as well. For example, if you consider buying a property for R2 000 000 then this means you need to have a minimum deposit of approximately R200 000. It takes time to save this amount of money, so we recommend that you start as soon as you can. Read more about starting an investment here. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1677123113729-SUSLCM72X2UYSU7Y1CYR/unsplash-image-xKmXZ4Fv63w.jpg Articles - Rules of thumb for buying property: Episode 2 - Rule three: Work on your credit score Ensure that you have been meticulous about paying off your credit cards, retail accounts, loans and cell phone accounts, as this means you have a better chance of getting your home loan approved. If you do not have a credit history, it is very unlikely that you will approved for a home loan. It is, therefore, crucial to demonstrate your ability to manage credit effectively by responsibly using a credit card or other forms of credit. Banks continue to monitor your credit profile and conduct affordability checks for at least three months until the property registration process ends. This means you should avoid taking out additional debt as this can result in the bank repricing and, in extreme cases, declining the loan altogether. Visit websites like Credit Union to receive a free credit overview in order to determine where you stand. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1677123209786-KUSKCTXK3MD20BI1UP1G/unsplash-image-NwRkpGiW5do.jpg Articles - Rules of thumb for buying property: Episode 2 - Rule four: Be aware of extra costs There are a number of additional costs that are frequently forgotten about or missed, so ensure that you have researched all possible hidden costs. Some of the fees to look out for are building inspection fees, pest inspections, solicitor or conveyance fees as well as loan initiation and property valuation fees. For example, loan initiation fees can cost approximately R6000 depending on your bank whereas, on a bond of R 2 000 000, conveyor’s fees are approximately R16 560 excluding VAT. https://www.southerncharter.co.za/insights/the-tide-is-finally-turning-for-south-africa monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/12f72c1b-d188-452f-b641-1fd7d07b6a67/tide+is+finally+turning+for+South+Africa+1.PNG Articles - The tide is finally turning for South Africa - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/a1e384ec-9d9a-4dcf-a20d-9ca1ee413cb0/tide+is+finally+turning+for+South+Africa+2.PNG Articles - The tide is finally turning for South Africa - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/790842b7-81ef-47fa-9fd1-dec71c28b797/tide+is+finally+turning+for+South+Africa+3.PNG Articles - The tide is finally turning for South Africa - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/abby-joseph-cohen-at-the-cfa-conference monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/66eccdf7-d7ec-4306-b451-821644729c7d/abby+2.PNG Articles - Abby Joseph Cohen at the CFA Conference - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/c7ab0bf6-5749-48ae-9a06-8f06614015da/abby+3.PNG Articles - Abby Joseph Cohen at the CFA Conference - Make it stand out Trade Deficit In billions, seasonally adjusted https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/78e709e4-c3c2-4c0f-9638-1e568531ab5e/abby+4.PNG Articles - Abby Joseph Cohen at the CFA Conference - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/john-c-bogle-at-the-cfa-conference monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/dfda3365-cbff-4370-96e6-9a6c4f77bdfc/John+C+Bogle.PNG Articles - John C. Bogle at the CFA Conference https://www.southerncharter.co.za/insights/inside-the-cfa-conference-2017 monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/5ed582d5-974f-4239-8bd9-62b20b72e404/cfa2017.PNG Articles - Inside the CFA Conference 2017 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/arriving-in-rio-capetoriorow monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/cba2cd02-0559-4afe-b4db-83e7d353c5ec/Arriving+in+rio.PNG Articles - Arriving in Rio #CapetoRioRow - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/2c436409-814d-4327-ad90-dd2db791421b/Arriving+in+rio+2.PNG Articles - Arriving in Rio #CapetoRioRow - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/cape-to-rio-row-notes-from-the-cabin monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/9df9398e-d2e4-43dc-9342-718633b7b84d/Cape+to+Rio+Row+1.PNG Articles - Cape to Rio Row: Notes from the Cabin https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/006f0eff-705d-41c0-8699-6a95a16a20c1/Cape+to+Rio+Row+2.PNG Articles - Cape to Rio Row: Notes from the Cabin https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/046ab0f4-104d-44d5-a46a-8e684544fa74/Cape+to+Rio+Row+3.PNG Articles - Cape to Rio Row: Notes from the Cabin - Make it stand out Wayne Robertson aboard Mohondoro https://www.southerncharter.co.za/insights/a-challenging-budget-delivers-tighter-belts monthly 0.5 2023-03-08 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/354a5488-d232-4c2f-822e-58a5d8b794fe/A+challenging+budget.jpg Articles - A challenging budget delivers tighter belts. - Make it stand out https://www.youtube.com/watch?v=D7jpqwjJ0fE https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/4d5922e7-18bb-4eca-8e95-e24ec2bfe1f0/A+challenging+budget+2.PNG Articles - A challenging budget delivers tighter belts. - Make it stand out Statutory tax rate on dividend income https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/5935a547-878a-4abd-8f4e-72c56230b339/A+challenging+budget+3.PNG Articles - A challenging budget delivers tighter belts. - Make it stand out Main sources of revenue In total, revenue will increase by 9% to R1.14 trillion for this fiscal year, with every single taxpayer paying the price of South Africa's slow growth and inefficient government expenditure. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/4f83db59-3b04-4185-8990-322fcaa6d182/A+challenging+budget+4.PNG Articles - A challenging budget delivers tighter belts. - Make it stand out Government Expenditure in Rbn https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/5721445a-eb55-46d8-8789-b9ba42cbb279/A+challenging+budget+5.PNG Articles - A challenging budget delivers tighter belts. - Make it stand out Budgeted increases for various expenditure items https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/6e42d60d-8ea9-4f9c-b0eb-6b613e004bc5/A+challenging+budget+6.PNG Articles - A challenging budget delivers tighter belts. - Make it stand out A highly distributive budget - tax burden vs. social grants beneficiaries https://www.southerncharter.co.za/insights/when-how-and-why-to-look-offshore monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1676726415474-TD2YYAP8EHVSMSOURTYG/unsplash-image-ssoJQfH7Acw.jpg Articles - When, how and why to look offshore? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/01afd771-288b-4569-82e5-3cae71b0d97a/offshore+1.PNG Articles - When, how and why to look offshore? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/789fc992-cd7b-410b-ba5b-b0f9d4a91949/offshore+2.PNG Articles - When, how and why to look offshore? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/a-world-first-cape-to-rio-row monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/5121f4f5-ac9b-4abe-baf6-c182795448b2/Cape+to+Rio+Row.jpg Articles - A world first Cape to Rio Row. - https://aseaimpact.com/ https://aseaimpact.com/ https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/e504dfcb-4ae0-4c69-b163-d7a26a197870/Cape+to+Rio+row+2.PNG Articles - A world first Cape to Rio Row. https://www.southerncharter.co.za/insights/an-eye-to-the-us-elections monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1676861162553-QHFFX9VDNDG5K43UD7IR/unsplash-image-Y0yB-dYVQo8.jpg Articles - An eye to the US elections - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1e550932-19cf-4b8a-b8ee-41dab59a8986/An+eye+to+the+US+elections+1.PNG Articles - An eye to the US elections - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/c4d541b2-f57f-4986-9556-50a4c84e55be/An+eye+to+the+US+elections+2.PNG Articles - An eye to the US elections - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/50ef0eaa-0236-4a49-a7af-d61d32a8ea5f/An+eye+to+the+US+elections+3.PNG Articles - An eye to the US elections - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1e37c994-a11c-446a-b1db-72040a9ff378/An+eye+to+the+US+elections+4.PNG Articles - An eye to the US elections - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/2225fd87-5565-4e3a-97c3-621e96669efb/An+eye+to+the+US+elections+5.PNG Articles - An eye to the US elections - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/an-inward-looking-world monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1676725548418-09AP1VR2OIJ537IXSIU5/unsplash-image-szfPB4X-FWk.jpg Articles - An Inward Looking World - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/insights-from-international-thought-leaders-and-why-weve-gone-defensive-1 monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/9c3c17bd-35ff-42dd-8d5c-63dd6085eb59/Improved+outlook+for+interest+rates+and+local+fundamentals+1.PNG Articles - Insights from international thought leaders, and why we've gone defensive - Make it stand out Inflation has reached its peak https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/778e435e-9508-47b3-915f-ec762b8d7977/Improved+outlook+for+interest+rates+and+local+fundamentals+2.PNG Articles - Insights from international thought leaders, and why we've gone defensive - Make it stand out Rand oil price, and rand per Dollar https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/9b7fdd23-7428-4501-9f6e-d0e337efefd3/Improved+outlook+for+interest+rates+and+local+fundamentals+3.PNG Articles - Insights from international thought leaders, and why we've gone defensive - Make it stand out Interest rate outlook has improved https://www.southerncharter.co.za/insights/counting-down-to-rio-with-roger-hudson-amp-asenathi-jim monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/17a89ac3-37a4-4c91-afcc-016285ceee24/counting+down+to+rio+with+roger+and+jim.PNG Articles - Counting down to Rio with Roger Hudson & Asenathi Jim - Marina Da Gloria, Guanabara Bay Marina Da Gloria, Guanabara Bay https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/2b22bdb5-031e-46c2-a22d-75eca14bab37/counting+down+to+rio+with+roger+and+jim+2.PNG Articles - Counting down to Rio with Roger Hudson & Asenathi Jim - Asenathi Jim, Mark Thompson, Roger Hudson & Brevan Thompson https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/324e2a9c-dcf9-4d6d-8704-6043815d4caa/counting+down+to+rio+with+roger+and+jim+3.PNG Articles - Counting down to Rio with Roger Hudson & Asenathi Jim - SA Olympians Roger Hudson & Asenathi Jim https://www.southerncharter.co.za/insights/insights-from-international-thought-leaders-and-why-weve-gone-defensive monthly 0.5 2026-03-20 https://www.southerncharter.co.za/insights/commodities-an-oversold-rebound-or-cyclical-rally monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/986bb1c7-759d-4404-bba9-0780d6352967/Commodities%2C+an+oversold+rebound+1.PNG Articles - Commodities - An Oversold Rebound or Cyclical Rally? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/d416ef1b-b56f-4ee3-ab92-17649ecebd9f/Commodities%2C+an+oversold+rebound+2.PNG Articles - Commodities - An Oversold Rebound or Cyclical Rally? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/a8017d15-60a7-44fe-b0f2-2ce6bba8757c/Commodities%2C+an+oversold+rebound+3.PNG Articles - Commodities - An Oversold Rebound or Cyclical Rally? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/bbcf3c64-4daa-4dcb-8858-e55c7f67a40d/Commodities%2C+an+oversold+rebound+4.PNG Articles - Commodities - An Oversold Rebound or Cyclical Rally? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/2016-investment-outlook monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1a21dfb8-2608-4c44-8cef-acadbcc15b80/2016+Investment+Outlook+1.PNG Articles - 2016 Investment Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/cff8ed53-b97a-4438-92fb-49d74c35804e/2016+Investment+Outlook+2.PNG Articles - 2016 Investment Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/5fab9bd4-fa03-4d34-869d-62b227c6a973/2016+Investment+Outlook+3.PNG Articles - 2016 Investment Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/24f6c9cc-4b27-42c5-b1c1-2762e5bb55ca/2016+Investment+Outlook+4.PNG Articles - 2016 Investment Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/1bd03446-ed6a-4040-b1af-145395af0254/2016+Investment+Outlook+5.PNG Articles - 2016 Investment Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/61780534-8d6b-456c-943a-cd457c7f10e6/2016+Investment+Outlook+6.PNG Articles - 2016 Investment Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/c72332e8-a9f1-4266-a6fb-26e0753314bc/2016+Investment+Outlook+7.PNG Articles - 2016 Investment Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.southerncharter.co.za/insights/commodities-where-to-now monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/71440c60-2934-4dda-9099-5d633b0cc49d/Commodities+-+where+to+now+1.PNG Articles - Commodities - where to now? https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/7e27288a-da76-4d69-a1d4-2104fb65bd25/Commodities+-+where+to+now+2.PNG Articles - Commodities - where to now? https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/e22d6d59-fe0b-4d2d-a271-18bef2b27177/Commodities+-+where+to+now+3.PNG Articles - Commodities - where to now? https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/f3245231-1f72-4470-bbd7-79fa6dc3d3ae/Commodities+-+where+to+now+4.PNG Articles - Commodities - where to now? https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/24f75e21-da4d-4f95-b93c-ba7ba5b05d17/Commodities+-+where+to+now+5.PNG Articles - Commodities - where to now? https://www.southerncharter.co.za/insights/financial-liberation-first-create-200000-black-micro-entrepreneur-financial-planners monthly 0.5 2023-03-08 https://www.southerncharter.co.za/insights/asset-allocation-is-everything monthly 0.5 2023-03-08 https://www.southerncharter.co.za/insights/category/Investment+Strategy monthly 0.5 https://www.southerncharter.co.za/insights/category/Financial+Liberation monthly 0.5 https://www.southerncharter.co.za/insights/category/Awards monthly 0.5 https://www.southerncharter.co.za/insights/category/Sailing monthly 0.5 https://www.southerncharter.co.za/insights/category/Monthly+Commentary monthly 0.5 https://www.southerncharter.co.za/insights/category/Asset+Allocation monthly 0.5 https://www.southerncharter.co.za/insights/category/Uncategorized monthly 0.5 https://www.southerncharter.co.za/insights/category/Budget+Speech monthly 0.5 https://www.southerncharter.co.za/insights/category/Stay+Ahead monthly 0.5 https://www.southerncharter.co.za/home-2 daily 0.75 2023-03-14 https://www.southerncharter.co.za/our-awards daily 0.75 2025-03-18 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/4df6b3c7-69f1-4320-bd6f-74db6b2276b5/Citywire+awards+2024+Balanced.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/a48baf65-04b3-4b53-b416-79eabf6a4e40/Raging+Bull+Awards+2023+Balanced.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/5f121262-6ea9-46bb-a2e2-ef93fb6aa360/Citywire+awards+2023+Balanced.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/e2e40712-3438-4a60-97ad-179ef59c44c0/Morningstar+Awards+2022+Balanced.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/d9cbdddd-f4ae-4dc9-9160-ff279139eb24/Citywire+awards+2022+Balanced.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/8f79484a-ebcc-4c5a-bf07-5cb979820c48/Morningstar+Awards+2022+Growth.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/eed70db2-6220-443f-98f6-85c37372d490/Raging+Bull+Awards+2021+Balanced+1.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/eed70db2-6220-443f-98f6-85c37372d490/Raging+Bull+Awards+2021+Balanced+1.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/e325a5a6-1812-44f2-8efe-40e53c53dfd2/Raging+Bull+Awards+2021+Balanced+2.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/2304788d-ae44-4b8a-a5c4-ff2b9d24888c/Morningstar+Awards+2014+Growth.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/dd78c0a6-933d-4565-b0b0-992a9ed649a3/Morningstar+Awards+2013+Southern+Charter.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/10a2a93b-8a99-4b0b-aebe-b4697224ebec/Raging+Bull+Awards+2012+Balanced.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/6bba4c2f-0a4b-42b0-a587-ca3a62d4f935/Morningstar+Awards+2012+Southern+Charter.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/10a2a93b-8a99-4b0b-aebe-b4697224ebec/Raging+Bull+Awards+2012+Balanced.png https://www.southerncharter.co.za/home daily 1.0 2023-08-24 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/0a611609-6bce-47f7-b83d-dcf19d6bb38e/Lighthouse.png Home https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/db9653c7-0cef-41ef-b17c-7bda89e8f7ee/Anchor.png Home https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/ac089ff7-d593-407a-a846-146f3999f87f/Steering2.png Home https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/e7b07897-dcb4-4268-9bac-84daa51f11c6/compass.png Home https://www.southerncharter.co.za/financial-planning daily 0.75 2023-08-25 https://www.southerncharter.co.za/family-office daily 0.75 2024-04-03 https://www.southerncharter.co.za/employee-benefits-consulting daily 0.75 2023-04-05 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/22d0deba-114c-463c-a915-79fe382a019d/Cost+Saving.png Employee Benefits Consulting https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/3521fa9e-db7d-4942-8941-6a69367a3415/Operational+Excellence.png Employee Benefits Consulting https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/5df816e7-ade0-4b3b-9c0c-e8fa2aba47cf/Customer+Intimace.png Employee Benefits Consulting https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/ec617349-7a53-4a0c-87e0-dfd542a810a2/ADIDAS.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/34f2b351-62ca-434e-8e5e-701f59ea1945/DISNEY.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/00f68b23-eb2e-4eee-905b-46dca216624c/TBWA.png https://www.southerncharter.co.za/fund-management-approach daily 0.75 2023-03-23 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/e6d2b59a-18a7-49cc-94bd-d8f52b05a6c1/Morningstar+2022.png Approach https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/0cf139f1-ca88-49dd-9645-09dc904d6cd4/Citywire.png Approach https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/9557d6bd-826c-48a2-a7ea-5f50ef59cddd/Raging+Bull+2021.png Approach https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/b5cd37a6-ffa3-4461-9147-5cc7745ad3cb/Fund+Management+-+Whole+Process.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/d2c1b0c6-7fdf-4e35-bbfd-4fc4c58d9784/strategic+ASSET+ALLOCATION.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/5bd0af95-2060-4a88-a785-2e1822b2da95/Market+research.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/09ad7302-f113-4195-a7e5-982b97cca47e/KEY+THEMES.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/077f3071-b62b-4ce8-9c3f-fb852e55d02c/TACTICAL+ASSET+ALLOCATION.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/97324123-4351-4acf-a391-b56a0573cc4f/FUND+MANAGERS+SELECTION.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/e7f1bc7d-7bb9-4d4c-bc76-961031b8b292/PERFORMANCE+REVIEW.png https://www.southerncharter.co.za/history daily 0.75 2023-03-15 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/0a611609-6bce-47f7-b83d-dcf19d6bb38e/Lighthouse.png History https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/db9653c7-0cef-41ef-b17c-7bda89e8f7ee/Anchor.png History https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/ac089ff7-d593-407a-a846-146f3999f87f/Steering2.png History https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/e7b07897-dcb4-4268-9bac-84daa51f11c6/compass.png History https://www.southerncharter.co.za/compliance daily 0.75 2023-03-15 https://www.southerncharter.co.za/our-offices daily 0.75 2026-02-03 https://www.southerncharter.co.za/work-with-us daily 0.75 2025-06-05 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/7e8d924e-7e9f-415c-8e06-eefe265dd6c1/phone_icon.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/2239f9e6-76bf-4ab1-975c-07d28a3649f6/email_icon.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/6a9de591-7744-4f43-9f54-16019c3122fc/address_icon.png https://www.southerncharter.co.za/team daily 0.75 2024-08-27 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/7a4f5f6d-a4fe-488f-8d97-e5f1c951585a/Mark+Thompson.jpg Team https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/7fcab448-19ac-49fc-86a0-0632a75ec228/Tania.jpg Team https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/eb6d8b50-88cf-4efb-831a-08b790d05945/Digby.jpg Team https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/3dee857c-9bd7-419d-98ee-1b645c2fd929/Levon.jpg Team https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/3c46b7d4-ffce-4700-9b9d-8f164ae60949/Ricky.jpg Team https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/0a245b73-772a-4658-b982-12c503adac73/Mark+Harris.jpg Team https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/be054777-1200-49fd-af17-b06133a06763/Yvette.jpg Team https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/5d12c7f3-8c38-431d-ae49-4940b393512b/Andrew.jpg Team https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/68f863b6-9937-4967-b8c3-7b5bb7e37818/Ursula.png Team https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/c51e4388-6461-40de-b480-6a15afc79747/Sebastian+Thompson.jpg Team https://www.southerncharter.co.za/conflicts-of-interests daily 0.75 2023-03-15 https://www.southerncharter.co.za/disclaimer daily 0.75 2023-03-08 https://www.southerncharter.co.za/directory daily 0.75 2023-04-06 https://www.southerncharter.co.za/file-uploads daily 0.75 2023-03-15 https://www.southerncharter.co.za/fund-management-investment-options daily 0.75 2026-02-17 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/38c614ca-48c9-4ae1-a589-583465a2104d/Capture3.PNG https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/9295db76-7b6f-4352-97d6-ffe8af057009/Capture2.PNG https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/0bed2fa8-72e1-4474-9d57-c68a57597bba/Capture.PNG https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/0db584bc-874d-4af3-8f4c-2bb213affa1e/Offshore+Feeder+Fund.PNG https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/0db584bc-874d-4af3-8f4c-2bb213affa1e/Offshore+Feeder+Fund.PNG https://www.southerncharter.co.za/rule-of-thumb-lunch-box daily 0.75 2023-07-24 https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/6527cae2-a2d4-46be-bb1f-9372c7b55471/ROT.png https://images.squarespace-cdn.com/content/v1/633d610b2879ca2ba90cc7fc/6d799d27-b09e-431c-baa4-b7d53f171f40/Screenshot+2023-07-24+at+16.08.47.png https://www.southerncharter.co.za/update-your-details daily 0.75 2024-04-30 https://www.southerncharter.co.za/increase-your-contribution daily 0.75 2024-08-13 https://www.southerncharter.co.za/webinars daily 0.75 2024-08-13 https://www.southerncharter.co.za/application-paraplanner daily 0.75 2024-08-14 https://www.southerncharter.co.za/08-2024-paraplanner daily 0.75 2024-08-14 https://www.southerncharter.co.za/interview-sebastian daily 0.75 2024-09-09 https://www.southerncharter.co.za/beneficiary-contact-details daily 0.75 2025-06-18