| Welcome: Nompu Siziba – Moneyweb Market Watcher: Chantal Marx – Head: research, FNB Wealth and Investment Capital Appreciation reports 11.7% decline in gross revenue: Brad Sacks – Joint CEO, Capital Appreciation Commercial property sector recovery expected to slow after speedy rebound – FNB: John Loos – Property strategist, FNB Construction sector to continue to strengthen spurred by low-interest rates – ACI: Dr Roelof Botha – Economist SA homebuyers aren’t just looking for a home, they’re looking for a lifestyle: Grant Smee – Managing Director, Only Realty 1 in 3 retirement funds saw a decline in workforce due to retrenchments, liquidations: Avishal Seeth – Head: Umbrella Solutions, Sanlam | 