Editor's Thoughts.

Ever had a medical aid claim declined and thought, “Well, that’s annoying, now what?” (That’s the sanitised version of my immediate reaction.) In today’s episode of Health Hack SA, we get into your rights as a medical scheme member, what to ask when a claim is rejected, and how the appeals process actually works. Because “computer says no” is not always the end of the story.

As we build up to medical aid options season in November, there’s also the small issue of the municipal elections before we can slide into the holiday season. Trust me, you want to be in our 9 October webinar with Frans Cronje – where he’ll be sharing his views on the 4 November polls, and their knock on impact on the 2029 general elections. Book your seat here. Local government might not sound like an investing headline, but potholes, power, water, rates and service delivery have a habit of showing up in the economy - and eventually in portfolios.

It all links rather neatly to Izak Odendaal’s (Old Mutual Wealth) latest look at bonds. Global yields are up, oil is expensive and governments are borrowing like the group chat is picking up the tab.

And in the current (and future?) market context, discussion at this year’s INN8 Invest Summit was around how the investment playbook needs a rethink: asset allocation matters, diversification is not guaranteed, and the old 60/40 security blanky may be looking a little thin.

Don’t be a hater when contemplating Gen Z’s leading the workplace (Jack Hammer), let’s think about the world they’re inheriting.

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