Are you over-diversified? Understanding the risks in South African investments
African News Agency | 30.04.2026 13:50
South Africa’s personal savings rate fell to -1.4% of disposable income in the fourth quarter of 2025. According to the South African Reserve Bank, this is the deepest level of household dissaving since 2016. In real terms, this means South Africans are collectively spending more than they earn. Roughly 40% of urban working households have no formal retirement savings, and around 50% of low-income workers have no savings at all.
