Seshego Consulting

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Seshego Consulting

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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.

22/10/2026

We assess. We question. We identify gaps and opportunities. And we help clients make informed decisions about the structures that support their people.

Your organisation first. The solution second.

21/10/2026

It is easy to avoid financial information when you suspect the answer may not be what you want to see.

But clarity gives you options.

Knowing where you stand allows you to decide what needs attention, what is already working and what can wait.

Sometimes the first financial step is simply looking.

20/10/2026

Debt is a significant part of the financial picture for South African households.

According to the South African Reserve Bank, household debt increased to 62.2% of disposable income in the first quarter of 2026.

That figure does not mean every household owes 62.2% of its income. It is an economy-wide measure showing the relationship between total household debt and total disposable income.

19/10/2026

A plan is based on the information and circumstances available when it is created.

Those circumstances do not stay frozen.

Changing jobs, starting a family, taking on new responsibilities or reaching a financial milestone can all change what you need from your financial arrangements.

Adaptability is part of planning — not evidence that planning failed.

16/10/2026

Financial planning happens in real life — and real life changes.

A plan created in January was based on what you knew and needed at the time.

October gives you an opportunity to compare that plan with your current reality.

Keep what still works.

Review what does not.

And adjust where necessary.

15/10/2026

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?

14/10/2026

The introduction of the Two-Pot Retirement System fundamentally changed how South Africans can access retirement savings before retirement.

The scale of withdrawals in its first year demonstrated just how significant the demand for accessible savings has been.

13/10/2026

Having assets and having money immediately available are not necessarily the same thing.

Liquidity describes how readily an asset can be converted into usable cash.

Understanding liquidity matters because different financial needs happen on different timelines.

Some money may need to be available immediately. Other assets may be intended to remain invested for years.

12/10/2026

Some financial areas naturally get more attention than others.

We see bank balances and expenses regularly, while other financial arrangements can quietly sit in the background for years.

So we're curious:

Which one do you review the least often?

09/10/2026

How much you owe is one part of understanding debt.

How much of your monthly income is required to service that debt tells you something different.

It can be a useful number to know when reviewing your overall financial position.

Address

Sandton

Website

http://www.seshego.co.za/

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