Henceforward

01/06/2026

New Episode: Markets Without the Noise

Markets are loud.

Every week seems to bring another headline, another prediction, another reason to believe we should be doing something.

But when we step back, long-term wealth is rarely built through reacting. More often, it’s shaped by behaviour, discipline and clarity.

In Episode 3 of Giving Wealth Purpose — Markets Without the Noise — Steven Hall and Carl-Peter Lehmann explore how investors can navigate uncertainty without becoming captive to it.
From media narratives and market volatility to compounding, diversification and behavioural decision-making, the conversation focuses on a simple question:

What actually matters — and what is just noise?
One of our favourite reflections from the episode:

“Urgency and wisdom rarely travel together.”

If markets have felt overwhelming lately, this episode is an invitation to zoom out and reconnect with the things that compound over time.

Because wealth should serve life — not the other way around.

When markets spike and headlines scream, how do you know whether to act — or stay the course?In this episode of Giving Wealth Purpose, Steven Hall and Carl-P...

01/05/2026

“Is the market getting the Iran war wrong?”

We have been looking closely at the current global landscape and the noise that often follows.
Between the ceasefire that wasn't quite a ceasefire, markets somehow hitting record highs, and SA's rate cut hopes quietly turning into rate hike fears – there was no shortage of things to write about this month.

Worth a read over the long weekend 👇
https://mailchi.mp/54a4fe771904/henceforward-is-the-market-getting-the-iran-war-wrong-6747646

Join our thinking partnership for future insights: https://www.henceforward.co.za/contact/

30/04/2026

Can you afford to retire? Probably. But that might not be the right question.

In Episode 2 of Giving Wealth Purpose, Steven and Carl-Peter talk about what happens when someone has enough money to stop working — but no clear sense of what comes next.

It's more common than people admit. And the consequences aren't just emotional.

Purposeless retirement has real financial side effects too.

This episode covers:

→ The escape narrative that drives most retirement decisions
→ The identity risk that high achievers rarely see coming
→ How retiring without purpose leads to erratic financial behaviour
→ Phased retirement, advisory roles, and designing the transition deliberately
→ The difference between retiring from something — and retiring to something

47 minutes. Worth it if you're approaching retirement, recently retired, or just wondering whether there's more to this conversation than drawdown rates and spreadsheets.

▶️ YouTube: https://www.youtube.com/watch?v=6VP0ltWJkIc

🎧 Spotify: https://open.spotify.com/episode/577fglgY1i2j96pWKXD7vs?si=YrDL4o33Q2OIYQYQ9kyXjQ

27/04/2026

On Freedom Day, we are reminded that our country’s greatest asset isn’t held in a vault or a market index. It is held in the resilience of a people who decided that the future should look nothing like the past.

When we engage with great minds across our industry, the conversation often shifts to the unique blend of grit and optimism that South Africans have. We have come incredibly far in protecting the liberties that allow us to build legacies and live with intention.

True freedom is a work in progress, and honouring this journey involves more than just reflection; it requires active stewardship of the life we've been given.

03/04/2026

Love this picture of our grandparents (on my mothers side)

05/03/2026

It is an honour to see the impact of our partnership reflected in such kind words. This review from Pieta reinforces why we do what we do: it isn't about managing a portfolio; it’s about providing the clarity and peace of mind necessary to actually enjoy the life you've built.

03/03/2026

The best financial strategies aren't built in a vacuum—they are refined through conversation.

We make it a priority to engage with the great minds we respect in this industry, like David Hansforth. At Henceforward, we’ve found that true professional growth comes from being open to how other specialists see the world. By staying curious and looking at the bigger picture together, we ensure your strategy isn't just a static plan, but a dynamic reflection of collective expertise. It’s about valuing insight over ego to keep your life design on track.

Watch the full exchange of ideas on our YouTube channel: https://www.youtube.com/channel/UCgM-kIpabUdYWcdlV8TNJEA/

27/02/2026

Our February newsletter is out!

Markets have started the year strongly, but beneath the surface there’s quite a lot shifting – from tariff rulings and the Budget to what may be a genuine inflection point in AI and global capital flows.

We’ve tried to unpack what’s noise, what’s structural, and where the risks (and opportunities) may sit.

There are also two deeper reads linked inside:
•⁠ ⁠Carl-Peter’s longer reflection on The Great Acceleration
•⁠ ⁠Steven’s take on the Budget and what it really means locally

If you have 10–15 minutes, it’s worth a look.
Sign up for our newsletter here: https://henceforward.co.za/newsletter-sign-up/

25/02/2026

Budget 2026 brings some long-overdue relief — for individuals and businesses.

After years of bracket creep and frozen thresholds, this budget quietly but meaningfully shifts the dial:
• Full inflation adjustment to personal tax
• Higher savings and retirement limits
• Easier offshore diversification
• Real relief for small businesses

Swipe through for a clear breakdown of what’s changed — and why it matters.

As always, the numbers matter… but what they mean for your plan matters more.






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BusinessOwnersSA
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Henceforward

06/01/2026

As we all gear up for returning to our desks, motivated and ready to make good on all our resolutions and goals for the year, it can feel energising! ⁠
It can also be very easy to forget that rest is a requirement for progress.⁠
⁠
A good way to counter this is to "book in your work/life balance" in your calendar early.⁠
Here are the dates you can use to maximise your return on leave this year. 😉⁠
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🐣 ⁠
Easter Weekend⁠
3 Apr – 6 Apr (Fri–Mon)⁠
Already a 4-day weekend.⁠
⁠
Upgrade it:⁠
Take leave Tue 7–Fri 10 Apr (4 days)⁠
➡️ 10-day holiday (3 Apr–12 Apr)⁠
Perfect for Bali, Mauritius, Sabi Sands, Namibia road trip.⁠
⁠
🇿🇦 ⁠
Freedom Day + May Day Combo⁠
Mon 27 Apr + Fri 1 May⁠
Take leave: Tue 28 – Thu 30 Apr (3 days)⁠
➡️ 9-day break (26 Apr – 4 May)⁠
⁠
This is one of the biggest opportunities of 2026.⁠
Perfect for overseas trips before Euro summer pricing kicks in.⁠
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🎓⁠
Youth Day Bonus Weekend⁠
Observed on Mon 15 Jun⁠
3-day weekend (13–15 June)⁠
⁠
Upgrade it:⁠
Take Tue–Fri (16–19 June) = 4 days⁠
➡️ 9-day break (13–21 June)⁠
⁠
This falls right before winter school holidays.⁠
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👩‍🦰⁠
Women’s Day Weekend⁠
Observed on Mon 10 Aug⁠
3-day weekend (8–10 Aug)⁠
⁠
Upgrade:⁠
Take Tue–Fri (11–14 Aug) = 4 days⁠
➡️ 9-day break (8–16 Aug)⁠
Perfect for a winter sun escape to Zanzibar, Mozambique, Seychelles.⁠
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🍗⁠
Heritage Day Hack⁠
Heritage Day is Thu 24 Sep⁠
Take leave: Fri 25 Sep (1 day)⁠
4-day weekend⁠
⁠
Upgrade it:⁠
Take Mon–Wed (21–23 Sep) + Fri 25 Sep = 4 days⁠
➡️ 9-DAY OFF (20–28 Sep)⁠
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🎄⁠
Christmas / New Year Power Play⁠
Christmas (Fri 25 Dec) and Day of Goodwill (Sat 26 Dec)⁠
⁠
Take Mon–Thursday (21–24 Dec) + Mon–Thursday (28–31 Dec) = 8 days leave⁠
➡️ 16 DAYS OFF (20 Dec – 4 Jan)