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Please bear in mind that our figures, though based on the actual quotations that you also use, are for information purposes only, and can never replace the official quotation from the product house. In terms of the guarantees, you are requested to clarify the exact extent of such guarantees with the product house prior to advising clients.

Market movements since Donald Trump’s inauguration are drawing comparisons with the 2018/19 trade war. With a 10% loss already, another 10% dip could be on the horizon if the economic fallout worsens.

The Minister of Finance cites an average 19% VAT among peers to argue that South Africa’s 15% rate is low, but isolated comparisons miss key factors such as exemptions, corporate rates, and overall business costs.

How the general and specific time-of-supply rules will determine whether transactions fall under the existing 15% VAT rate or the increased rate.

The agent repeatedly deviated from the approved product script. Previous warnings and documented missteps played a key role in the decision.

Despite the wind-down of OUTsurance’s employee share ownership plan, CEO Marthinus Visser says the transition to a Customer Shareholding Plan will maintain employee motivation.

A decade after the introduction of hedge fund regulations, retail investors are driving strong growth, with RHFs attracting R11.84 billion in net inflows in 2024.

Commissioner Edward Kieswetter explains to Parliament why ‘between R700bn and R800bn is not an unreasonable amount’.

Almost half the revenue from personal taxes is derived from people who earn more than R1 million.

Industry leaders such as AlexForbes, Avoir Corporate Healthcare, and Hippo Advisory shone bright at the third annual Top Broker Awards.

Insurers must absorb additional compliance expenses and rework their pricing strategies, with no corresponding revenue gain.

Watch Moonstone Update for an overview of some of the stories covered in the past week's Moonstone newsletters.

In this week's episode:

• Budget: higher taxes, rising costs, and no relief for households
• Two (?) VAT hikes and no adjustments to the income tax brackets
• Turning regulatory training into an opportunity
• FIC accepting RMCPs after the 12 March deadline
• Sanlam fires on all cylinders, delivering strong earnings and new business
• Sanlam and Ninety One seal key deal to reshape active asset management landscape
• Two-pot withdrawals linked to surge in used car sales