Would you suggest looking at offshore investment as an alternative to JSE stocks? Name withheld Should I be paying off my student debt before starting to save? Which investment product would be best? Name withheld What should I consider before offering employees benefits to my staff? Name withheld As a new car owner will I be covered by my car insurance if the car is stolen?

Pierre De Bruyn, Wealth Manager at PSG Wealth, Northcliff replies: We expect the local South African market to outperform the international markets over the next few years. This is based on the local markets being cheap, relative to their long-term valuations, versus the international markets that still seem expensive on a similar comparison basis. This view does not mean that the returns will be without volatility. We are already seeing the effects of inflation and higher interest rates on the markets. Our current allocation view is 60% local and 40% offshore as diversification remains