Personal Finance with Warren Ingram Personal Finance: South Africa is going through some good times, what do investors do to capitalise on this?
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Nov 25, 2025 
Warren Ingram, a certified financial planner and co-founder of Galileo Capital, shares his insights on South Africa's budding economic optimism. He discusses the positive shift in the economy, including improved fiscal discipline and a potential rating upgrade. Warren explains how a 3% inflation target supports a stronger rand and lowers interest rates. He emphasizes the importance of diversification in investments and notes the potential for attractive opportunities in property and local assets, encouraging listeners to capitalize on the positive momentum.
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Momentum Trumps One-Off Metrics
- South Africa has built positive economic momentum via fiscal discipline, debt reduction and improved ratings signals.
- Momentum matters more than single numbers because it attracts global confidence and further upgrades.
Why A 3% Inflation Target Matters
- A 3% inflation target helps keep the rand relatively stable by aligning domestic inflation with global peers.
- A stronger rand reduces imported inflation from fuel and food, easing price pressure.
Position For Falling Interest Rates
- Expect lower interest rates over time if inflation is controlled, which reduces borrowing costs for households and government.
- Use lower rates to consider buying property or investing in growth assets, but beware of short-term timing.