CGS Insurance brokers

CGS Insurance brokers Authorised Financial Services Provider. Licence no: 13943

Risk Planning, Retirement planning, Investments, medical aids, policy investigations, wills and estate planning, business assurance, Corporate (employee) Benefits and Comprehensive Financial planning that includes all of the above in a financial analysis document free of charge.

28/08/2026

Good day, The FTSE/JSE All Share closed up by 3.23% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 21 August 2026: JSE All Share Index 117 747.80 JSE Resources Index 76 535.81 JSE Industrial Index 131 546.27 JSE Financial Index 63 512.82 JSE Precious metals 153 130.55 At the same time last year the JSE All Share Index was 102 723.50.

The JSE All Share Index ended last week (21 August ) on 117 747.80 points and currently stands on 118 473.74.
PPS Market Insights reported that South Africa's inflation rate slowed to 4.3% in July, driven by lower fuel and food price pressures, supporting a more favourable inflation outlook.
South Africa's SACCI Business Confidence Index rose to 125.4 in July, indicating improving business sentiment and confidence in the economic outlook.
South Africa's retail sales increased 1.6% year-on-year in June, although growth slowed from the previous month, pointing to softer consumer spending conditions.
SA must prepare for another painful increase in fuel prices next week, with diesel set to increase by about R3 per litre. The final underrecoveries for September's fuel prices - which reflect the combined impact of international fuel prices and the dollar-rand exchange rate - are R1.07 per litre for the retail price of 95 octane petrol, R2.92 per litre for diesel with 0.005% sulphur, Central Energy Fund data shows.
Point of interest!
President Trump has now embarked on an economic attack against Iran. He failed to beat them militarily, so now he will try to make the country go bankrupt.
Our Johannesburg Stock Market is still experiencing extremely volatile times. This is problematic for an investor wishing to invest a lump sum. During volatile periods, such as the current one, it is best to feed the money into the investment over a period of time. This will protect the investor's original capital from an almost immediate loss in value due to a sudden downturn in the market.
It is easier for an investor who makes regular, monthly contributions. The regular, periodic deposits into an investment will reap the effects of rand cost averaging. As long as the investor sticks to their stated intention for remaining in a middle- to long-term period.
REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.
CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

21/08/2026

Good day, The FTSE/JSE All Share closed down by 2.94% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 14 August 2026: JSE All Share Index 114 060.88 JSE Resources Index 67 553.37 JSE Industrial Index 133 501.08 JSE Financial Index 64 696.38 JSE Precious metals 132 128.51 At the same time last year the JSE All Share Index was 101 950.32.

The JSE All Share Index ended last week (14 August ) on 114 060.88 points and currently stands on 117 999.32.
PPS Market Insights reported that South Africa's manufacturing production declined 1.7% year-on-year in June, making a third consecutive month of contraction, although the pace of decline eased from May.
South Africa's mining production fell 4.4% year-on-year in June, reflecting continued weakness in key export commodities such as platinum group metals, coal and iron ore.
Transnet plans to invest R35 billion in rail and port upgrades through 2030 to improve freight capacity, enhance export efficiency and support economic growth.
South Africans are in for another hammering as fuel prices are on course to increase yet again in September. Year-to-date, the price of 95-octane petrol has already increased by more than R4, or about 20%, while the wholesale price of diesel is up by more than R6.30, or close to 33%.
On Friday, exactly halfway through the four weeks which will determine September's fuel prices, the Central Energy Fund reported an underrecovery of 74c per litre on 95-octane petrol and an underrecovery of R2.73 to R2.89 per litre on the wholesale price of diesel (varying by sulphur content). An underrecovery of R2.15 per litre paraffin also reported.
Point of interest!
The negotiated ceasefire period between the US and Iran has expired with no lasting agreement signed by the warring countries. According to President Trump no new talks are contemplated at this stage, and the usual commodities, like crude oil, are once again increasing rapidly. Expect severe volatility to impact global markets as well. As seen recently, markets will swing wildly up and down, alternating based on optimistic and negative forecasts.
Our Johannesburg Stock Market is still experiencing extremely volatile times. This is problematic for an investor wishing to invest a lump sum. During volatile periods, such as the current one, it is best to feed the money into the investment over a period of time. This will protect the investor's original capital from an almost immediate loss in value due to a sudden downturn in the market.
It is easier for an investor who makes regular, monthly contributions. The regular, periodic deposits into an investment will reap the effects of rand cost averaging. As long as the investor sticks to their stated intention for remaining in a middle- to long-term period.
REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.
CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

20/08/2026

The Legacy Conversation (Death/Life Cover)

Life insurance isn't about the person who passes away. It's about protecting the dreams of the people who are left behind.

It ensures your kids stay in school, the family home stays paid off, and your estate costs are covered without forcing your loved ones into debt.

Let's help you build a legacy of security.
Send us an email to [email protected] and one of our advisors will contact you to review your life cover today.

14/08/2026

Good day, The FTSE/JSE All Share closed up by 5.40% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 07 August 2026: JSE All Share Index 117 518.36 JSE Resources Index 68 630.02 JSE Industrial Index 141 461.47 JSE Financial Index 65 763.43 JSE Precious metals 133 907.79 At the same time last year the JSE All Share Index was 100 855.21.

The JSE All Share Index ended last week (07 August ) on 117 518.36 points and currently stands on 113 871.02.
PPS Market Insights reported that South Africa's new vehicle sales rose to 57 700 units in July, reflecting stronger consumer and business demand and signalling resilience in economic activity.
South Africa's bond market is pricing the country closer to investment-grade status, reflecting improved investor confidence and a stronger fiscal outlook.
South Africa's unemployment rate has surged by more than a percentage point to 33.6%, meaning one in three adults was actively looking for work in the second quarter of 2026. It is the highest rate since it hit 33.9% in the second quarter of 2022.
Adding discouraged jobseekers and others who should be able to work - but excluding students or retirees - 13.1 million South African adults are captured in the expanded unemployment rate of 43.8%.
According to the Quarterly Labour Force Survey (QLFS) released by Statistics SA, 16 000 jobs were lost between the first and second quarters of 2026. It was the second consecutive quarter with job losses. Year-on-year, the picture is even more dismal, with 68 000 jobs lost.
Point of interest!
The war between the US and Iran just continues tyo drag on to the detriment of the world. Terribly inflated egos seem to be getting in the way of a permanent, rational settlement to the conflict.
Our Johannesburg Stock Market is still experiencing extremely volatile times. This is problematic for an investor wishing to invest a lump sum. During volatile periods, such as the current one, it is best to feed the money into the investment over a period of time. This will protect the investor's original capital from an almost immediate loss in value due to a sudden downturn in the market.
It is easier for an investor who makes regular, monthly contributions. The regular, periodic deposits into an investment will reap the effects of rand cost averaging. As long as the investor sticks to their stated intention for remaining in a middle- to long-term period.
REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.
CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

07/08/2026

Good day, The FTSE/JSE All Share closed up by 1.92% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 31 July 2026: JSE All Share Index 111 493.10 JSE Resources Index 59 456.78 JSE Industrial Index 140 024.32 JSE Financial Index 64 844.97 JSE Precious metals 110 403.03 At the same time last year the JSE All Share Index was 97 744.15.

The JSE All Share Index ended last week (31 July ) on 111 493.10 points and currently stands on 116 907.79.
PPS Market Insights reported that South Africa's trade surplus widened to R17.8 billion in June, supported by stronger exports and lower imports, signalling improved trade performance and external demand.
South Africa recorded a budget surplus of R80.1 billion in June, reflecting stronger government finances and supporting the country's fiscal outlook.
South Africa's leading business cycle indicator fell 0.3% in May, signalling continued weakness in the economic outlook.
The Bureau for Economic Research reported that the seasonally adjusted ABSA Purchasing Managers' Index (PMI) declined from 47.3 points to 46.8 in July 2026. At first glance, this suggests a weak start to the third quarter. However, the headline decline arguably overstates the weakness in underlying manufacturing conditions.
Point of interest!
President Trump's modus operandi regarding the war with Iran is alive and well. President Trump's rapid-fire pronunciations about peace talks going well are just as quickly refuted by Iran. So, who really knows what is actually happening?
Our Johannesburg Stock Market is experiencing extremely volatile times. This is problematic for an investor wishing to invest a lump sum. During volatile periods, such as the current one, it is best to feed the money into the investment over a period of time. This will protect the investor's original capital from an almost immediate loss in value due to a sudden downturn in the market.
It is easier for an investor who makes regular, monthly contributions. The regular, periodic deposits into an investment will reap the effects of rand cost averaging. As long as the investor sticks to their stated intention for remaining in a middle- to long-term period.
REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.
CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

31/07/2026

Good day, The FTSE/JSE All Share closed down by 0.16% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 24 July 2026: JSE All Share Index 109 398.05 JSE Resources Index 59 570.73 JSE Industrial Index 136 216.58 JSE Financial Index 63 051.82 JSE Precious metals 110 817.90 At the same time last year the JSE All Share Index was 98 918.87.

The JSE All Share Index ended last week (24 July ) on 109 398.05 points and currently stands on 112 310.61.
PPS Market Insights reported that South Africa's retail sales grew 2.3% in May, signalling stronger consumer spending and improving economic activity.
Border inefficiencies are estimated to cost South Africa up to R16 billion annually, disrupting trade and weighing on economic growth.
Renewed conflict in the Middle East has caused a reversal in the diesel price expectation for August. If prices were to change on Monday, the wholesale price of diesel with 0.05% sulphur would have to increase by 24c per litre, while diesel with 0.005% sulphur might change only about 1c per litre. According to the Central Energy Fund's data, petrol is still due for a cut of around 90c. But this could still change.
Point of interest!
President Trump's modus operandi regarding the war with Iran is alive and well. It appears that the supposed interruption in strikes on Iran has resumed in earnest.
Our Johannesburg Stock Market is experiencing extremely volatile times. This is problematic for an investor wishing to invest a lump sum. During volatile periods, such as the current one, it is best to feed the money into the investment over a period of time. This will protect the investor's original capital from an almost immediate loss in value due to a sudden downturn in the market.
It is easier for an investor who makes regular, monthly contributions. The regular, periodic deposits into an investment will reap the effects of rand cost averaging. As long as the investor sticks to their stated intention for remaining in a middle- to long-term period.
REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.
CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

24/07/2026

Good day, The FTSE/JSE All Share closed down by 0.71% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 17 July 2026: JSE All Share Index 109 569.92 JSE Resources Index 56 625.22 JSE Industrial Index 140 664.37 JSE Financial Index 63 969.40 JSE Precious metals 105 717.09 At the same time last year the JSE All Share Index was 98 687.07.

The JSE All Share Index ended last week (17 July ) on 109 569.92 points and currently stands on 109 564.06.
PPS Market Insights reported that South Africa's mining production fell 5.4% year-on-year in May, the steepest decline since February 2025, driven by lower output from iron ore, coal and platinum group metals.
An increase of about 34% in average fuel prices and almost 10% in electricity tariffs has caused inflation to shoot up to 5% in June - the highest since June 2024, when it was 5.1%. The market consensus was for inflation to rise to 4.7%.
The only upside to the release by Statistics SA was that food inflation retreated further, from 1.9% in May to 1.6% in June.
The South African Reserve Bank's Monetary Policy Committee decided to leave the repo rate unchanged at 7% during a meeting held on Thursday.
Point of interest!
President Trump's modus operandi regarding the war with Iran is alive and well. It appears that the strikes are escalating.
Our Johannesburg Stock Market is experiencing extremely volatile times. This is problematic for an investor wishing to invest a lump sum. During volatile periods, such as the current one, it is best to feed the money into the investment over a period of time. This will protect the investor's original capital from an almost immediate loss in value due to a sudden downturn in the market.
It is easier for an investor who makes regular, monthly contributions. The regular, periodic deposits into an investment will reap the effects of rand cost averaging. As long as the investor sticks to their stated intention for remaining in a middle- to long-term period.
REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.
CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

17/07/2026

Good day, The FTSE/JSE All Share closed down by 1.03% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 10 July 2026: JSE All Share Index 110 355.39 JSE Resources Index 58 366.67 JSE Industrial Index 140 090.09 JSE Financial Index 63 942.89 JSE Precious metals 110 433.05 At the same time last year the JSE All Share Index was 97 221.58.

The JSE All Share Index ended last week (10 July ) on 110 355.39 points and currently stands on 109 163.85.
PPS Market Insights reported that South Africa's manufacturing output fell 4.3% year-on-year in May, as weaker production in food, metals and machinery sectors weighed on economic activity.
Standard Bank forecasts South Africa's economy to grow by 1.7% in 2027 and 2.0% in 2028, reflecting improving economic momentum and business confidence.
SA motorists and companies could start pencilling in cheaper fuel into their August budgets, but volatility in the Middle East threatens to sour the outlook. If prices were to change today, the pump price of 95-octane petrol would drop by R1.62 per litre, and wholesale diesel would decline by up to R1.61. Uncertainty over the Iran war - and, consequently, fuel supplies - has caused wild swings in both the oil price and the rand exchange rate over the past week.
Point of interest!
Renewed aggression by the USA and the resumption of missle acts against Iranian targets (and the subsequent retaliatory strikes by Iran) have, once again and endlessly, caused the global economy to retreat to safe investment havens.
It will be a very brave person who second-guesses Donald Trump's next statement, action, or instruction. So, until his next utterances the global economy will remain extremely volatile.
REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.
CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

10/07/2026

Good day, The FTSE/JSE All Share closed up by 1.16% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 03 July 2026: JSE All Share Index 111 507.32 JSE Resources Index 60 927.93 JSE Industrial Index 138 889 53 JSE Financial Index 64 059.11 JSE Precious metals 116 870.49 At the same time last year the JSE All Share Index was 97 182.71.

The JSE All Share Index ended last week (03 July ) on 111 507.32 points and currently stands on 110 120.79.
PPS Market Insights reported that South Africa recorded a trade deficit of R1.8 billion in May, as weaker exports and rising imports highlighted pressure on the country's external position and economic growth outlook.
South Africa recorded a government budget deficit of R14.6 billion in May, highlighting ongoing fiscal pressures and the importance of prudent public finance management.
Point of interest!
Ahh well! I suppose it was to be expected...one week President Trump is hailing the Iranians as jolly fine fellows and the next he is calling them scum and calling off the peace truce.
And, true to form, the global economy is busy hitting the skids. It had only just tentatively been recovering.
It will be a very brave person who second-guesses Donald Trump's next statement, action, or instruction. So, until his next utterances the global economy will remain extremely volatile.
REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.
CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

08/07/2026

π‘π„π“πˆπ‘π„πŒπ„ππ“:

Close your eyes and picture your life at age 65.

Are you travelling? Spending time with grandkids? Starting a passion project?

The lifestyle you enjoy tomorrow depends entirely on the decisions you make today.

It’s never too earlyβ€”or too lateβ€”to optimize your retirement plan.

𝑺𝒕𝒂𝒓𝒕 π’„π’π’π’•π’“π’Šπ’ƒπ’–π’•π’Šπ’π’ˆ π’π’π’˜! If you haven't started saving yet!
From as Little as R400pm.

If you are already saving, try and increase your contributions by as much as you can to ensure you have enough saved for retirement (Currently hardly anyone in SA has saved enough for retirement, so the more you save, the better)
Contact us on [email protected] or 043-7266485

Drop a comment: What is your ultimate retirement dream destination? ✈

Address

4A Princes Road, Vincent
East London
5247

Opening Hours

Monday 08:00 - 16:30
Tuesday 08:00 - 16:30
Wednesday 08:00 - 16:30
Thursday 08:00 - 16:30
Friday 08:00 - 16:00

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+27437266485

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