Seshego Consulting

Seshego Consulting At Seshego Consulting, we specialize in providing benefit and investment advice to companies and their retirement fund trustees.

Our expert team has delivered unbiased, professional strategic consulting services to empower informed decision-making.

The institutions behind today’s financial system are part of our economic heritage too.
18/09/2026

The institutions behind today’s financial system are part of our economic heritage too.

“Safe” can mean different things financially.Cash can be appropriate for short-term needs and accessible reserves becaus...
17/09/2026

“Safe” can mean different things financially.

Cash can be appropriate for short-term needs and accessible reserves because it offers liquidity and generally lower short-term volatility.

But over longer periods, inflation affects purchasing power.

Different financial goals therefore require different considerations around accessibility, risk, time and growth.

16/09/2026

More income can create more financial capacity — provided some of that capacity remains available.

Lifestyle inflation happens when expenses increase as income increases, leaving little improvement in the amount available for other financial priorities.

A salary increase can be an opportunity to upgrade your lifestyle and your financial position.

The balance is the important part.

Growth on paper is not always growth in purchasing power.Inflation matters because it changes how much the same amount o...
15/09/2026

Growth on paper is not always growth in purchasing power.

Inflation matters because it changes how much the same amount of money can buy over time.

That is why long-term financial planning needs to consider not only whether money is growing, but whether that growth is keeping pace with rising costs.

Did you get it right?

South Africa’s financial system has changed significantly within a relatively short period of history.Before decimalisat...
14/09/2026

South Africa’s financial system has changed significantly within a relatively short period of history.

Before decimalisation, £1 consisted of 20 shillings, while one shilling contained 12 pennies.

When the rand was introduced in 1961, South Africa moved to the much simpler decimal system of rands and cents that we know today.

Financial systems evolve — even the money we sometimes assume has always existed.

Actual investment returns vary, and fees, tax, inflation and changing returns can all affect real outcomes.But as an edu...
11/09/2026

Actual investment returns vary, and fees, tax, inflation and changing returns can all affect real outcomes.

But as an educational tool, it demonstrates something important:

Time can be a powerful part of financial growth.

Financial growth can mean different things at different stages of life.Sometimes the priority is income. Sometimes it is...
10/09/2026

Financial growth can mean different things at different stages of life.

Sometimes the priority is income. Sometimes it is building assets, improving financial resilience or simply understanding your options better.

Which one do you associate with financial growth first?

Vote below.

Seeing an investment increase in rand terms does not tell the whole story.Nominal return describes the percentage growth...
09/09/2026

Seeing an investment increase in rand terms does not tell the whole story.

Nominal return describes the percentage growth you see before accounting for inflation.

We help clients navigate complex benefit decisions with practical, accountable advice across employee benefits, healthca...
08/09/2026

We help clients navigate complex benefit decisions with practical, accountable advice across employee benefits, healthcare, risk, insurance and investments.

Because the right solution should fit the organisation — not the other way around.

Investment conversations often focus on what to invest in.But long-term outcomes can also be influenced by how long mone...
07/09/2026

Investment conversations often focus on what to invest in.

But long-term outcomes can also be influenced by how long money remains invested, how risk is spread, the costs involved and whether contributions remain consistent.

There is rarely one magic ingredient.

Financial growth is usually a combination of decisions working together over time.

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Sandton

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