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The world is reeling from over indebtedness but it's exactly this debt that fuels economic growth. Countries that have high levels of household and government debt will have to focus on other sectors of the economy in order to deliver growth.

Locally, the strong rand debate rages on as policymakers grapple with how to reign in the rand and what the right exchange rate should be. Although mining and manufacturing sectors are struggling, households are benefiting from the lower rate of inflation, which is a result of strong currency.

Find out more in our local and global economic reviews.

The festive season is just around the corner and retailers have laid their plans to separate you from your cash. Now is the time to create your own plan on how you will make it through the silly season without derailing your long-term financial strategy. In the article Your end-of-year plan, we give you some financial strategies to counter the retailers' onslaught.

January is a very tough month financially (and emotionally as we return to work). In the article Plan for January, we look at how you can prepare and budget so that this January does not turn out to be the usual financial nightmare.

November is the month when you will be informed of your medical contribution increases. You can expect increases of double to triple the rate of inflation. Medical costs will continue to outstrip your salary increases so we have given you some tips on how to keep your medical costs down in the article Cutting medical costs.

This month, our theme at Liberty is Surviving the Festive Season. To read more articles that will help you to empower yourself financially, go to our Consumer articles

Please keep talking to us and telling us what you think! You can email your comments to

Kind regards

Steven Braudo
Chief Executive Officer: Liberty Retail SA

Global economic review

STANLIB economists Kevin Lings and Laura Jones discuss the implications of a world that has taken on too much debt and what that means for future economic growth. Read more.

Weekly economic updates

The Weekly Focus is a commentary on markets, economies and investments prepared by Paul Hansen and Kevin Lings of STANLIB. You can read the latest developments every Tuesday by following the link on
Local economic review

Liberty Economist, Tendani Mantshimuli, looks at the latest SA Reserve Bank Quarterly Bulletin. Read more.

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Investment portfolios offered by Liberty: performance, risk profiles, asset allocation. Click here.

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Avoiding the end of year debt trap

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If you have any questions about your policy, we look forward to hearing from you at