Seshego Consulting

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Seshego Consulting At Seshego Consulting, we specialize in providing benefit and investment advice to companies and their retirement fund trustees.

Our expert team has delivered unbiased, professional strategic consulting services to empower informed decision-making.

16/10/2026

Financial planning happens in real life — and real life changes.

A plan created in January was based on what you knew and needed at the time.

October gives you an opportunity to compare that plan with your current reality.

Keep what still works.

Review what does not.

And adjust where necessary.

Growth on paper is not always growth in purchasing power.Inflation matters because it changes how much the same amount o...
15/10/2026

Growth on paper is not always growth in purchasing power.

Inflation matters because it changes how much the same amount of money can buy over time.

That is why long-term financial planning needs to consider not only whether money is growing, but whether that growth is keeping pace with rising costs.

Did you get it right?

The introduction of the Two-Pot Retirement System fundamentally changed how South Africans can access retirement savings...
14/10/2026

The introduction of the Two-Pot Retirement System fundamentally changed how South Africans can access retirement savings before retirement.

The scale of withdrawals in its first year demonstrated just how significant the demand for accessible savings has been.

Having assets and having money immediately available are not necessarily the same thing.Liquidity describes how readily ...
13/10/2026

Having assets and having money immediately available are not necessarily the same thing.

Liquidity describes how readily an asset can be converted into usable cash.

Understanding liquidity matters because different financial needs happen on different timelines.

Some money may need to be available immediately. Other assets may be intended to remain invested for years.

Some financial areas naturally get more attention than others.We see bank balances and expenses regularly, while other f...
12/10/2026

Some financial areas naturally get more attention than others.

We see bank balances and expenses regularly, while other financial arrangements can quietly sit in the background for years.

So we're curious:

Which one do you review the least often?

How much you owe is one part of understanding debt.How much of your monthly income is required to service that debt tell...
09/10/2026

How much you owe is one part of understanding debt.

How much of your monthly income is required to service that debt tells you something different.

It can be a useful number to know when reviewing your overall financial position.

Seshego provides independent employee benefit consulting to help organisations assess existing structures, identify area...
08/10/2026

Seshego provides independent employee benefit consulting to help organisations assess existing structures, identify areas that require attention and make informed decisions about what comes next.

Because a benefit strategy designed for yesterday's organisation may not be the right strategy for today's.

Debit orders and automatic contributions can make consistency much easier.But “automatic” should not mean “never reviewe...
07/10/2026

Debit orders and automatic contributions can make consistency much easier.

But “automatic” should not mean “never reviewed."

Amounts that made sense two years ago may no longer reflect your income, goals or circumstances.

Automation works best when the system running in the background still matches the life happening in the foreground.

Not every financial review needs to result in a complete overhaul.Sometimes the most useful changes are small: updating ...
06/10/2026

Not every financial review needs to result in a complete overhaul.

Sometimes the most useful changes are small: updating information, adjusting a contribution, reviewing a recurring cost or finally addressing something that has been sitting on the to-do list.

Good financial planning should be able to evolve.

Financial admin has a habit of becoming a much bigger task in our heads than it needs to be.So make it smaller.Set aside...
05/10/2026

Financial admin has a habit of becoming a much bigger task in our heads than it needs to be.

So make it smaller.

Set aside 15 minutes and look at the basics.

You do not have to solve every financial problem during the check-in. The objective is simply to understand what needs your attention.

Clarity first. Action second.

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Sandton

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