InsightWeave Investments | Our Contributors & Experts

Editorial Team

Meet the Authors

Each contributor brings a distinct perspective shaped by years of real-world experience in South African and global markets.

Sipho Ndlovu

Lead Strategist

Sipho spent fifteen years managing multi-asset portfolios at a Johannesburg-based asset manager before shifting to research and writing. His focus areas include macro-allocation decisions and retirement funding strategies.

Lerato Mahlangu

Equity Analyst

Lerato cut her teeth analysing JSE-listed companies for a boutique research house. She now covers industrials and financials for InsightWeave, bringing a bottom-up, valuation-driven lens to stock selection.

Johan Botha

Fixed Income Specialist

Johan traded government bonds for over a decade in Cape Town and London. These days he unpacks interest-rate dynamics and debt markets in plain language, helping readers understand the often-overlooked world of fixed income.

Conversations

Expert Interviews

We sit down with fund managers, economists, and academics to surface insights you will not find in quarterly reports.

Dr. Mandla Sithole — On Navigating Emerging-Market Volatility

Chief Economist, Regional Development Bank | December 2025

"South Africa occupies a unique middle ground — too developed to be ignored, too volatile to be treated like a G7 market. Investors who accept this tension, rather than fight it, tend to do better over time. The key is sizing positions appropriately and not mistaking short-term noise for fundamental change."

Lindiwe Dlamini — Building Wealth Through Property Cycles

Director, Urban Real Estate Fund | November 2025

"People assume property always goes up. It doesn't. What property offers is tangible cash flow and inflation linkage — but only if you buy at sensible prices. Right now, certain CBD office buildings trade at discounts that bake in perpetual work-from-home; that may prove too pessimistic."

Prof. Hendrik van Zyl — The Future of Retirement Savings in SA

Professor of Finance, Stellenbosch University | October 2025

"Two-pot retirement reform is the biggest structural change to savings policy in decades. It introduces flexibility but also temptation. Advisors and educators need to help people understand the long-term cost of early withdrawals — compounding does not care about good intentions."

Resources

Professional Materials

Deep-dive documents, guides, and reference sheets for those who want to go further.

Asset Allocation Playbook

A 40-page guide walking through portfolio construction principles, with worked examples tailored to South African tax and regulatory realities.

PDF Intermediate

Retirement Projection Worksheet

An Excel-based tool that lets you model different contribution rates, inflation assumptions, and drawdown scenarios to see where you might land.

Excel Practical

JSE Sector Analysis Template

A structured framework for evaluating different JSE sectors, including key metrics to track and red flags to watch for in company filings.

PDF Advanced

Offshore Investment Checklist

Step-by-step considerations when moving money offshore — from tax clearance to platform selection and currency timing.

PDF Beginner

Risk Profiling Questionnaire

A self-assessment tool to help you understand your genuine risk tolerance — not what you think it should be, but how you actually behave under pressure.

Interactive Beginner

Fee Comparison Calculator

Small differences in fees compound into big differences in outcomes. This tool shows exactly how much various fee levels cost you over 10, 20, and 30 years.

Excel Practical

Community Feature

Ask an Expert

Got a burning question about markets, portfolios, or financial planning? Our contributors regularly select reader questions to address in detail — anonymously, of course.

We cannot give personal advice (regulations prohibit that), but we can tackle general concepts and scenarios that benefit the broader community.

Submit Your Question

Recent Questions Answered

"Should I pay off my bond faster or invest the extra cash?"
"How do I think about offshore allocation given current rand weakness?"
"What's the real cost of switching unit trusts frequently?"
"Is it ever too late to start investing for retirement?"
"How should I evaluate a financial advisor's credentials?"

Our Contributors & Experts