Editor's Thoughts.

Tomorrow’s solar eclipse will be total along a path across Greenland, Iceland and northern Spain, while parts of western Africa will see it partially. Reminding us that perspective (and reality) can shift in an instant. And because of that, perhaps blending and diversification applies to more than just investments.

In my job I can see the evolving content and news broadening the picture - building that wider, more resilient portfolio of benefits. Take today as an example. From safeguarding the digital life in your phone (NFO) to putting your first will in place (PSG Wealth), the message is that financial wellbeing is about more than investment returns. It is having appropriate cover, clear plans and trusted support before life throws a curveball.

Keith Peter (Old Mutual Personal Finance) explores how South Africans are building resilience through side hustles, businesses and digital income. And adding to his series of articles, Johan Kriek (Quantum Leap) makes the case for a more hands-on approach to retirement income, with support that continues long after retirement fund members stop working.

This idea that money, benefits and investments should be integrated is the latest thing, right? Everyone’s talking about integrated or holistic benefits – the notion that a person’s finances and money sits in the overlapping bits of our FAIS sub-cat venn diagram.  And it’s the reason for our newest podcast series: Beyond Benefits, sponsored by Alexforbes. In this series we explore how holistic, integrated health and financial benefits can strengthen an employer’s Employee Value Proposition (EVP). Expect insightful conversations, real-world examples and practical ideas for HR leaders, executives and the advisors and consultants who steer them: ways to support wellbeing, reduce stress, and improve retention and engagement.

Benefits have their greatest impact when they work together around real people’s real lives – not neatly within the lines of your expertise.

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