Joggie Vermooten - Efficient Wealth

05/10/2026

September was not a fun month to look at your investment statement. The JSE All Share fell 6,7% and roughly R1,6 trillion came off the value of listed companies. Gold and platinum miners dropped more than 17%.

Here is the part most people miss. Those companies did not suddenly start earning less. As one global fund manager put it, the selling looked driven by sentiment and flows, not by fundamentals.

A month like this is uncomfortable. It is also exactly why we spread your money across countries, currencies and asset classes, so that one bad month in one market does not undo a 20 year plan.

If your statement made you want to do something this week, chat to us first.

This is general information, not financial advice. Efficient Wealth is an authorised FSP (FSP 655).

27/09/2026

What happened and what’s to come 📈📉👨🏻‍💻

21/09/2026

Last Wednesday the US Federal Reserve did something it hasn't done since July 2023. It raised interest rates.

The Fed lifted its rate by 0.25% to a range of 3.75% to 4%, saying inflation is still too high.

Why should that matter to you in Pretoria? Our own Reserve Bank meets this Wednesday, 23 September. The repo rate is 7% and prime is 10.5%, and after the Fed's move, markets think a local hike has become more likely.

What would a hike cost you? On a R1 million, 20-year home loan, a 0.25% increase adds about R168 a month.

That's no reason to panic, but it is a good reason to check your budget. Want to stress-test yours? Chat to us.

This is general information, not financial advice. Efficient Wealth is an authorised FSP (FSP 655).

21/09/2026

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20/09/2026

What’s your thoughts on the SARB’s decision on Wednesday 🤨👆🏼👇🏼😐

09/08/2026

Happy Women’s Day! 💐

Ahead of Women’s Day this weekend, we want to recognise and celebrate the incredible women of Efficient, and thank you for the dedication, resilience, leadership, and passion you bring every day.

Your contributions strengthen our business, support our clients on their financial journeys, and help us fulfil our purpose of enabling For Every One to attain financial well-being.

Thank you for all that you do. We wish you a wonderful Women’s Day!

24/07/2026

We're growing, and looking for our next Assistant Financial Advisor. 💻📈🤞🏼

Efficient Wealth (FSP 655) has an opening for a driven, professional Assistant Financial Advisor to join our Pretoria-based practice.

This is a genuine opportunity to build a long-term career in financial planning — working closely with an experienced Wealth Advisor, backed by an established brand, with real exposure to client relationships and technical advice from day one.

We're looking for someone who is self-motivated, has a matric certificate (RE5 or a relevant financial services qualification is a bonus), meets FAIS "fit and proper" requirements, and is ready to put in the work to build a career rather than just fill a role.

If that sounds like you — or someone in your network — send a CV and a short motivation to [email protected]. Happy to chat through the detail in person.

📍 Pretoria (Erasmuskloof) · Hybrid · Permanent

30/06/2026

23/03/2026

When in doubt, zoom out

Markets have historically shown resilience during geopolitical and oil-related shocks. This chart tracks the long-term cumulative return of the S&P 500 across multiple oil crises since the 1970s. While short-term volatility is evident around major events, drawdowns have generally been temporary rather than structural and have not derailed long-term equity market growth.

While future market movements are uncertain, history shows that staying invested through disruption has been key to capturing long-term returns. Rather than trying to time market corrections, maintaining a disciplined long-term approach has consistently proven more effective.

Source: Ninety One South Africa