By Mzovuyo Mabandla, Financial Adviser at Liberty, Standard Bank Century City, Cape Town. A client asked me last week: What's the real difference between putting your money into banks vs companies like Liberty/Sanlam that do insurance and financial services? It's a good question many everyday South Africans are thinking about, especially with things like the recent interest rate cuts by the South African Reserve Bank (SARB) and a bit more hope after the 2024 elections. In ou