Did you hear? January’s headline CPI eased further to 3.5% (down from 3.6% in December). While beef prices are soaring (up to 31% for steak), staples like rice and maize have entered a deflationary phase. This gives Finance Minister Enoch Godongwana breathing room to talk growth instead of survival in next week’s budget speech.
This week in Seed Analytics Advisor Connect:
Upcoming events: chances to network & connect.
Weekly growth: Your 10-minute Monday money scan.
Lead cash conversations with complete client clarity.
New opportunities & jobs for you to explore in SA.
Max tax benefits reminder & active ETF revolutions.
Online tool: The fastest way to find quality leads.
Take Note
Investec Cape Town Art Fair – CPT 20–22 Feb 2026: Africa’s leading international art fair at the CTICC, featuring 126 galleries from 34 cities and over 490 artists. Day passes from R230. Info here.
Entrepreneur Business Networking – JHB 26 Feb 6:30 AM: Weekly referral-focused meetup at Papachinos Fourways. Build long-term business relationships through word-of-mouth networking. Info here.
Your quick-fire Monday money scan
Use this to find 3 leads in 10 minutes (before your first coffee)...
Most advisors start their Monday by reacting to an overflowing inbox. But remember how we set you up last week with a Friday growth routine?
High-performers will want to build on that by scanning your data for money in motion on a Monday.
Here is your 10-minute Monday morning hunting list…
1. The cash drag scan
With SA’s interest rate cycle likely at its peak, the "easy" yield on idle cash is about to start shrinking. Clients "hiding" in money market accounts are at risk as the SARB eventually pivots.
The scan: If you’re with Seed Analytics, use your Online Book Report (OBR) to filter by Cash % across your entire practice. Look for any client with a cash weighting higher than 15% in their discretionary portfolios.
Take action: Send them an outreach email along the lines of: "I was reviewing your liquidity position this morning. With interest rates likely to move, your 'safe' cash yield is at risk. We should look at locking in these yields in a more structural way before the pivot happens."
This lets you proactively help clients move cash to investment vehicles. But you don’t have to send the email in isolation; you can show clients their full picture with Seed reports and statements – we’ve included a bit on how to do that a little lower down.
2. The inflation gap audit
South African CPI remains sticky, meaning if a client’s recurring contribution hasn't changed in two years, their real-term investment has actually shrunk by over 10%.
The scan: If you’re with Seed Analytics, pull a Contribution Report to see whose monthly funding has flatlined. Identify top-tier clients who haven't increased their recurring debit orders in the last 24 months.
Take action: Reach out with the subject line "Protecting your 2026 purchasing power" and a message like: "Your portfolio is performing well, but your contributions haven't been adjusted for inflation since 2024. To protect your future purchasing power, we should look at a 10% step-up to stay on track for your goals."
This allows you to protect the client's long-term plan while naturally growing your AUM through incremental funding.
3. The two-pot consolidation
Many clients still hold legacy policies or old employer schemes that are high-cost and opaque compared to modern structures. This is the perfect window to bring those assets into your House View.
The scan: If you’re with Seed Analytics, use your dashboard to view External Assets that haven't been updated in 12 months. Look for any mention of old policies (Old Mutual, Sanlam, etc.) that you don't currently manage.
Take action: Send an email with the subject line "Reviewing your old policies vs. Two-Pot rules" and a message like: "With the changes to the retirement system (Two-Pot), it’s a good time to review those old policies you mentioned previously. Let’s pull a fresh statement to see if the fees and performance still make sense alongside your main portfolio."
This positions you as the lead strategist on their entire wealth portfolio, not just the portion you currently manage.
Join the conversation…
How do you usually find new opportunities in your existing book?
Lead cash conversations with client clarity
Finding cash drag in your book is only the first step. The real challenge is helping clients see why it matters.
Seed Analytics makes it easy to open that conversation with consolidated, branded client statements that show exactly what clients own, where it’s held, and how it’s performing — including cash sitting alongside long-term investments.
When clients see their full picture in one place, discussions about moving idle cash into investment vehicles become natural, not forced.
Delivered through a simple bulk email wizard, Seed reports help you engage your clients at scale without adding hours of admin. The result? Better questions from clients, more focused advice from you, and stronger alignment between your guidance and their decisions.
Already on Seed?
Share consolidated reports with your clients today.
New to Seed?
Featured Section
New wealth and fin advisory career opportunities in SA
Financial Advisor (CPT) @ Complete Financial
Financial Advisor (CPT) @ Herefor Group
Wealth Management Associate (CPT) @ Private Client Holdings
Financial Advisor (JHB) @ Nexus Independent
Wealth Strategist (Umhlanga) @ Envestpro
Financial Planner (George) @ Sanlam
Private Broker (CPT) @ Aon
In Case You Missed It…
Industry Roundup
The Budget 2026 Goldilocks Scenario. Ahead of next Wednesday’s speech, analysts say a combination of higher-than-expected tax receipts from the mining sector and a firm Rand (testing R15.30/$) means the budget deficit could narrow to 3.5% of GDP.
The RA Final Sprint. With exactly seven business days left in the tax year, the R150,000 mistake is doing the rounds. Advisors should remind clients that the 27.5% tax-deductibility limit is a use it or lose it benefit.
The End of the Single Superpower Era. Ninety One CEO Hendrik du Toit argues that the Super-Dollar era is unwinding as global influence redistributes. While the US remains a vital innovation engine, a Dollar-down cycle is underway, prompting a marginal shift of sovereign capital toward emerging markets.
Retirement: The 10-Year Traffic Light System. A transformative Value for Money (VFM) regime is heading for SA retirement funds. It will mandate 10-year risk-adjusted net return projections and a traffic light rating (Red/Amber/Green) for all portfolios. This shift moves the goalposts from quarterly beat-the-peer racing to long-term retirement adequacy.
The Active ETF Evolution. Amplify Investment Partners has launched an actively managed income ETF on the JSE. This signals a growing trend: the "active-passive" hybrid. It provides the transparency and liquidity of an ETF with the risk management of a human fund manager.
Tool to try
If you want a faster way to find and reach new prospects…
Apolo helps you uncover potential leads by pulling together verified contact data, company insights and outreach tools in one place. Instead of manually hunting for prospects, you can search by role, industry or company type and quickly build targeted lead lists ready for follow-ups.
It even connects with your LinkedIn to help you find the right kind of potential lead, fast.
For advisors looking to grow their pipeline consistently, it’s a practical way to turn prospecting into a structured, repeatable process. Try Apolo here.
Did You Know? On 19 February 1987, Apple registered the web domain apple.com, which is unique because that’s 4 years before the World Wide Web was even launched. Could they see the future?
Till next time,
Seed Analytics Advisor Connect
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