Munaf Mukadam Financial Adviser

18/03/2026

Recent research suggests that the global liquidity cycle may be turning at a time when significant fiscal spending and AI-driven capital investment could boost economic growth into 2026.

This creates a nuanced backdrop: stronger growth may coexist with tighter liquidity, rising refinancing pressure and potentially higher market volatility.

In this video, I unpack what this shift means and outline five practical portfolio considerations investors should consider now.

A shifting liquidity cycle could change how investors position portfolios as growth and risk rise together.

30/11/2025

Let's explore how emerging markets are quietly regaining strength amid shifting global trends.

03/09/2024

Optimal tax planning at retirement can significantly impact a retiree’s financial position. In South Africa, the majority of retirees require an income in retirement that exceeds the sustainable income that can be provided from their retirement savings, so taking advantage of any tax-saving opportunity that is available can be invaluable.

I will be sharing a series of six videos with tips on saving tax at retirement. This is my first video. In it, I will share how you can reduce the tax on a lump sum payout that you may receive in the year of your retirement.

Optimal tax planning at retirement can have a significant impact on a retiree’s financial position at retirement. In South Africa, the majority of retirees’ ...

21/03/2024

https://www.moneyweb.co.za/financial-advisor-views/watch-interest-rates-in-2024-what-should-we-expect/
Where are interest rates heading in 2024? And what should we keep in mind when considering our personal financial planning?

The South African Reserve Bank and the US Federal Reserve left interest rates unchanged when making their first interest rate decision for 2024. What is the market expecting for the remainder of 2024?

Twenty-one South African Asset Managers took part in a survey where, among other things, they shared their thoughts on interest rates and the rand.

Where are interest rates heading in 2024? And what should we keep in mind when considering our personal financial planning?

23/02/2023

https://www.moneyweb.co.za/qa/advisor-questions/how-should-i-invest-my-r3-2m-retirement-gratuity/

Two advisors answer this reader's question.

20/01/2023

https://youtu.be/arGGGs1J6PU

An appearance on SABC today :)

South African consumers have been accumulating unsecured debt at a faster rate in the past few months. Stats SA data shows that the total number of civil sum...

16/08/2022

As the below data shows, bear markets are associated with low consumer sentiment, high unemployment, low corporate sales, and weak manufacturing performance.

15/08/2022

Higher borrowing costs make it harder for companies to fund big investments such as aquisitions or expansions.

Rising rates erode stock valuation by reducing the value of a company's future cash flows.

12/08/2022

19/11/2021

THIS PROPOSED RETIREMENT REFORM COULD LET YOU ACCESS ONE THIRD OF YOUR RETIREMENT FUNDS AT ANY TIME

Hi everyone, today I talk about the two key issues this proposal is attempting to address, the current rules surrounding retirement funds and the proposed changes to these rules. Very relevant to anyone who has a retirement/pension fund.
Get in touch if you have any questions.
[email protected] www.gminvestments.co.za

15/11/2021

USE THIS FINANCIAL CHECKLIST TO ENSURE THAT YOU CAN ENJOY YOUR HOLIDAY WITH PEACE OF MIND:

1) Is your will up to date, signed and stored in a safe place?

2) Does your short-term insurance cover all your necessary assets, including your vehicle, home and portable possessions?

3) Is your life cover and list of beneficiaries up to date?

4) Are your investment portfolio documents up to date and stored in a safe place?