If Capital

16/10/2026

What makes iF Capital different?

We provide discretionary investment management, share portfolios and model portfolio solutions supported by institutional-grade expertise, disciplined processes and a strong compliance culture.

For financial advisers, partnering with iF Capital means more than outsourcing investment management. It means gaining the support of a dedicated team and a transparent, structured investment process, giving you more time to focus on your clients.

Discover the iF Capital difference.

iF Capital (Pty) Ltd is an authorised Financial Services Provider, FSP 51648.



Please note that all information in this video is indicative only, and none of the figures should be seen as guaranteed. All effort has been made to show accurate information by our research team, but we are also only limited to the availability of information in the market. iF Capital (Proprietary) Limited, (Registration Number 2018/530982/07) is an authorised Financial Services Provider FSP Number 51648. PLEASE NOTE: The information contained in this communication, including attachments, is not to be construed as advice in terms of the Financial Advisory and Intermediary Services Act 37 of 2002 unless speciFically referred to as "Advice". Whilst every care and effort are taken by iF Capital (Pty) Ltd to ensure the reliability, accuracy and completeness of the information provided in this document, iF Capital (Pty) Ltd makes no representation and gives no warranty, whether express or implied, relating to the correctness of the information in this document. iF Capital (Pty) Ltd accepts no responsibility for, and the user indemniFies iF Capital (Pty) Ltd from any loss, liability, damage, or expense of whatsoever nature (including but not limited to direct, indirect and consequential loss), arising from reliance on information contained in this document, or otherwise connected with the information in this document.

08/10/2026

At iF Capital, we believe the most important question is not simply where you invest, but who you trust with your money.

Built on decades of experience and trusted advisory relationships across South Africa, iF Capital combines institutional-grade investment management with disciplined, long-term thinking. Our team is committed to building investment solutions designed to serve your future and create a legacy that lasts.

iF Capital - Navigating Complexity, Delivering Simplicity.

Authorised Financial Services Provider | FSCA No. 51648



Please note that all information in this video is indicative only, and none of the figures should be seen as guaranteed. All effort has been made to show accurate information by our research team, but we are also only limited to the availability of information in the market. iF Capital (Proprietary) Limited, (Registration Number 2018/530982/07) is an authorised Financial Services Provider FSP Number 51648. PLEASE NOTE: The information contained in this communication, including attachments, is not to be construed as advice in terms of the Financial Advisory and Intermediary Services Act 37 of 2002 unless speciFically referred to as "Advice". Whilst every care and effort are taken by iF Capital (Pty) Ltd to ensure the reliability, accuracy and completeness of the information provided in this document, iF Capital (Pty) Ltd makes no representation and gives no warranty, whether express or implied, relating to the correctness of the information in this document. iF Capital (Pty) Ltd accepts no responsibility for, and the user indemniFies iF Capital (Pty) Ltd from any loss, liability, damage, or expense of whatsoever nature (including but not limited to direct, indirect and consequential loss), arising from reliance on information contained in this document, or otherwise connected with the information in this document.

02/10/2026

Visit ifcapital.co.za 👨‍💻

23/09/2026

A new digital chapter for iF Capital. ✨

We’re proud to announce the launch of our newly redesigned website, created to offer a refined, seamless experience and a clearer view of who we are, what we do, and how we help our clients move forward with confidence.

Explore our services, meet our team, and discover the insights that shape our approach.

Visit our new website: www.ifcapital.co.za

11/09/2026

04/09/2026

Interest rates may look like just another set of numbers, but their influence extends throughout the entire financial system. 📊

From the repo rate in South Africa to the federal funds rate in the US, central-bank decisions affect borrowing costs, savings returns, business investment, currencies and financial markets.

Understanding concepts such as real interest rates, the yield curve and the Fed dot plot can help investors interpret what markets expect next, and why they react when those expectations change.

Swipe through to explore six important monetary-policy terms and the role they play in the global economy.

28/08/2026

How healthy is the labour market? 📊

The unemployment rate is important, but it doesn’t tell the whole story.

To understand what is really happening, we also need to consider labour-force participation, job vacancies, employment growth and wages. Together, these indicators reveal whether businesses are hiring, whether workers are participating in the economy and how household incomes are changing.

For investors, this matters because labour-market conditions can shape economic growth, inflation and central-bank interest-rate decisions.

Understanding the labour market means looking beyond one number and putting the pieces together to see the bigger economic picture.

21/08/2026

Why do some price increases affect inflation more than others? 📊

Inflation is about more than prices simply going up. Indicators such as CPI, core inflation, PPI and inflation expectations help us understand where price pressures originate, how persistent they may be and where they could be heading.

When inflation remains low, stable and predictable, households and businesses can make more confident decisions about spending, saving, borrowing and investing.

Swipe through to explore the key indicators behind inflation—and why price stability matters for the economy and your purchasing power. ➡️

14/08/2026

Core Output & Economic Growth: Understanding the Economy’s Engine ⚙️

Core output and growth refer to the expansion of an economy's real production of goods and services, typically measured by changes in real Gross Domestic Product (GDP). Economic growth occurs when a nation increases its real output over time by using more resources or improving how efficiently those resources are used.

Some key terms to keep in mind:

GDP (Gross Domestic Product)
GDP measures the total value of goods and services produced within a country over a specific period. It is one of the broadest measures of economic activity and helps us understand the size and performance of an economy.

Real vs Nominal GDP
Nominal GDP measures output at current prices, meaning it can increase because an economy produces more or simply because prices have risen, while real GDP adjusts for inflation, giving us a clearer picture of whether the economy is actually producing more.

Recession
A recession is a significant and sustained decline in economic activity. It is typically associated with falling output, weaker employment, reduced spending and lower business investment.

Investor takeaway: Understanding economic growth helps investors assess where an economy is in the economic cycle and how that environment could influence asset classes. 📈

Stay tuned as we explore more macroeconomic terms in the coming weeks.

07/08/2026

📊 Government Debt: When Does Debt Become a Problem?

Government debt is often discussed in terms of how much a country owes. But for investors, a more important question is: How large is that debt relative to the size of the economy?

The debt-to-GDP ratio compares a country's government debt with the size of its economy, providing an indication of the scale of its debt burden relative to its ability to generate income and tax revenue.

The US has the world's largest government debt in absolute terms, at approximately $40.7 trillion. Yet Japan has a much higher debt-to-GDP ratio, at around 204%, compared with approximately 126% for the US and 87% for South Africa.

But a high debt-to-GDP ratio doesn't automatically mean a country is in financial trouble. Investors also need to consider economic growth, interest costs, inflation, the currency in which the debt is denominated, the maturity of the debt, and who owns it.

💡 The key takeaway: Debt matters. But the amount a country owes is only part of the story. Its ability to service that debt is what really matters.