It is October 2025 and time for FC Viewpoint.

IN THE NEWS:

• The JSE All Share Index is on 110 243 on 10 October 2025. Year to date movement of 28.53%.
• 1 US Dollar will cost you R17.90; 1 Pound = R22.87 and 1 Euro = R19.90.
• Annual consumer inflation (CPI) is at 3.3%.
• The prime lending rate in SA currently is 10.50% per annum.
• The price of Oil is $65 per barrel.
• 42% — Gold’s YTD surge, on track for its strongest year since 1979.

1. What is insurance and what does it mean for me as a policyholder?

Peace of mind. It is a product you purchase in the form of a policy contract which provides cover for sudden and unforeseen events caused by fire, storm, weather, earthquake, theft, power surge and malicious damage or a vehicle accident.

2. When do I need insurance?

If you are the owner of property, you need insurance. Many of us do not have the cash flow to absorb the costs of suddenly having to replace our highly valued items at once and pay third-party damages. This includes buildings, furniture, vehicles and other personal property. Also, when you have jewellery, prescription glasses, hearing aids, sports and camera equipment, bicycles, cellphones, smart watches and portable electronic equipment, and often take it with you. 

3. Why do you need to review your short-term insurance policy 

Regularly reviewing your short-term insurance policy is essential because your life circumstances and the value of your assets change over time. Failure to update your policy can result in being underinsured, paying for unnecessary coverage, or even having a claim rejected entirely.

4. Call to Action 

If you wish to appoint us as your short-term insurance broker OR if you would like us to get comparative quotes, please send your current short-term insurance schedule to: 

insure@fcfin.co.za

5. Why reviewing your Medical Aid Plan matters 

Medical schemes open an annual window period, allowing members to upgrade their plan options for the next calendar year.

This opportunity enables you to:

• • Ensure your coverage aligns with your expected healthcare needs and lifestyle changes
  • Benefit from new features, improved coverage, or updated provider networks
  • Choose a plan that fits your financial situation and budget
  • Avoid being locked into a plan that may no longer meet your needs throughout the year.

6. Call to Action 

If you wish to appoint us as your medical aid advisor OR if you want to review your medical aid plan, please send us an email to: 

m.johnson@fcfin.co.za

Wealth regards,

Fanie Jansen Van Vuuren CA (SA), CFP®

Director: FC Wealth and Investments (Pty) Ltd

E: fanie@fcfin.co.za  |  T: 083 384 5868

W: www.fcfin.co.za