Three years on from the Covid pandemic, South Africans are battling market volatility, political turmoil, load-shedding, a strained economy and uncertainty about what the future holds, both locally and globally: the war in Ukraine, galloping inflation, tension between China and the US, especially over Taiwan, the Israel-Hamas war, war in Sudan ...

No-one knows how these global events will evolve. South African challenges are further compounded by mass unemployment and social unrest, dreadful education systems, poor service delivery and uncertainty caused by this year’s general election. All are equally alarming, though the outcomes are perhaps slightly easier to predict...

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