Hey,
You’ve probably seen emails from your bank recently - interest rates going up or down, and suddenly the cost of borrowing changes overnight.
But here’s the problem: Even if rates drop, inflation keeps eating away at your money’s value.
The South African Reserve Bank (SARB) adjusts the repo rate to fight inflation. When inflation is high, they increase rates (making debt more expensive). When inflation cools, they decrease rates (in this case, where repo dropped to 7%).
Borrowing gets cheaper when repo falls, but your real wealth still shrinks.
For example, if inflation is 6% and your savings earn only 4%, you’re losing 2% of your purchasing power every year.
Saving cash alone doesn’t protect you - you need to outrun inflation.
And we’ve been working on a way out.
If you’re around Q4 2025 - outrun inflation with us.
Best,
The 80eight team.
