If we subscribe to the thinking of philosopher Friedrich Nietzsche, that "the future influences the present", then welcoming in 2019 is not necessarily a case of starting a completely new slate and erasing the impact of the past year, or even the past decade. But it is a chance to take stock and turn our attention to the 12 months to come.
Technology, cybersecurity, digitisation and innovation were buzzwords for the banking and insurance sectors in 2018, but what lies around the corner for 2019?
Chantal Marx, Head of Research at FNB Wealth and Investments, outlines six trends which she believes will continue to shape the South African sector.
Emerging markets tended to be significant underperformers in 2018. This was driven by a US dollar that performed strongly as a result of United States President Donald Trump's home-based economic stimulus package, which sucked up excess liquidity in global markets and injected it into the vibrant American economy.
Some people are beach holiday enthusiasts, others love nothing more than high-adventure experiences, exploring the great outdoors, communing with nature or getting up close and personal with some of the world's greatest sporting heroes. Which are you?
No matter what your preferences, eBucks Travel has a range of thrilling/relaxing/appealing/heart-warming packages to choose from and to start 2019 off on the right note.
Around 1.5 million users have already taken advantage of the unique offerings that enable FNB Private Wealth customers to better navigate their financial and life journeys. But the development team behind the popular nav» app is not resting on its laurels and is continuing to seek new solutions to client needs.
Offshore investing has, in recent years, become an increasingly popular way for successful South African individuals to achieve diversification in their investment portfolio. The allowances that individuals have access to in moving money offshore for foreign investment purposes has provided the flexibility for this. Spreading hard-earned resources and ensuring that everything you have isn't subject to a single set of economic, political and social pressures simply makes good sense.
Fortunately, experienced IT professionals, cutting-edge cybersecurity technology and continually refined response procedures are in place to repel the would-be intruders and keep data secure.