Sitting on Cash in the UK? South Africans, Here’s What You Need to Know
For many South African investors, the journey to offshore diversification begins with prudence – convert rands to pounds or dollars and park the money safely in a UK or US bank account. It’s understandable. Cash feels secure. It preserves foreign currency exposure and is easy to access. But is it efficient?
AI vs Financial Planners: This Is Not Financial Advice… Or Is It?
In an era where financial advice is dispensed in 30-second TikToks and AI tools can build entire portfolios in seconds, it’s natural to ask: Is the human financial planner still relevant? At Henceforward, we believe the answer is a resounding yes – but the game has changed.
Offshore Investment Wrappers: The Smartest Way for South Africans to Invest Globally
If you’re a South African investor, how you invest offshore matters as much as why you invest offshore. Done right, offshore investing can help you diversify currency, reduce taxes, simplify your estate, and grow your wealth with global access. This article explores offshore wrappers … a powerful but often misunderstood solution.
Case Study: Helping a Young Professional Couple Take Control of Their Financial Future
A detailed financial planning case study: how a young professional couple restructured their retirement, investments, and estate planning for long-term success — with guidance from Henceforward on a flat R40,000 annual fee.
Tech Mega Trends 2025–2035: AI, Energy, Millennials, Future Investing & More
From AI and semiconductors to space and energy grids, here’s how tech changed 2020–2025 – and where it’s going over the next decade.
Top Wealth Management Companies in South Africa (2025 Guide)
South Africa’s wealth management industry is undergoing a quiet revolution. As clients grow tired of opaque fees and product-pushing banks, boutique firms are stepping in with something better: real independence, transparent advice, and portfolios designed for outcomes—not incentives. This guide explores how to find the best wealth management company in South Africa—and why the right partner can make all the difference.
Active vs Passive Funds in South Africa: What Morningstar’s 2024 Barometer Means for Your Portfolio
Morningstar’s latest data show broad-market index funds beat most active peers, while select managers still in certain categories. Henceforward turns that evidence into action—pairing passive cores with high-conviction active satellites to build cost-efficient investment and retirement portfolios.
10 Retirement Planning Mistakes to Avoid in 2025 (And What to Do Instead)
Most people think retirement planning is about saving enough. But in reality, it’s about much more—balancing longevity risk, realistic returns, tax strategy, fees, and flexible income planning. In this guide, we unpack the biggest mistakes retirees make (and how to avoid them), so you can retire with confidence and peace of mind.
Case Study: Retired Entrepreneurs with a Global Footprint
David and Elaine structured their R30m retirement plan with life and living annuities plus a USD portfolio to generate rising, global income—efficiently and tax-smart. Here’s how we helped them achieve this under a R60K flat-fee model
From Shirtsleeves to Shirtsleeves: Rethinking Intergenerational Wealth Transfer in South Africa
South Africa is on the cusp of one of the largest intergenerational wealth transfers in its history. With over 30% of high-net-worth individuals (HNWIs) now over the age of 60, the next decade is expected to see trillions of rands passed down to younger generations.
The Art of Transition: Embracing the Emotional Journey into Retirement
The move from a structured, purpose-driven life to an open canvas can stir excitement, uncertainty, and even fear. While financial readiness is essential, emotional readiness is equally vital. This is the art of transition: learning to navigate the psychological, emotional, and social shifts that accompany retirement.
Case Study: Retirement Planning Done Right – Simplifying and Strengthening Jan’s Living Annuity Strategy
After 15 years of retirement, Jan felt his portfolio was being neglected — and that his advisory fee was too high. Here’s how we helped him build a more robust, tax-efficient retirement strategy while cutting advice costs by over R230,000 per year.
