Insights
Stay informed with our latest articles and market updates.
3 May 2026
South Africa's two-pot retirement system has been live since 1 September 2024. Here is what every saver needs to understand about the savings pot, the retirement pot, the tax on withdrawals, and how to plan around the new rules.
Read this article2 May 2026
Tax is the largest controllable cost in long-term investing. This guide walks through the four wrappers and allowances every South African investor should be using, in the order that usually makes the most sense.
1 May 2026
Most South Africans underestimate how much they need to retire comfortably. The honest answer depends on your lifestyle, age, debts and how long your money needs to last. Here is a practical framework for working out your retirement number - and what to do if you are behind.
28 April 2026
South Africa's two-pot retirement system launched in September 2024 and changed the rules for every pension fund, provident fund and retirement annuity member. Here is a plain-language guide to what changed, what you can access, and what it costs to withdraw early.
24 April 2026
SARS offers numerous legal ways to reduce your personal income tax bill - from retirement fund contributions and tax-free savings accounts to travel allowances and home office deductions. Here is a practical guide to the deductions and strategies available to South African taxpayers.
23 April 2026
Many South Africans are unsure what a financial advisor actually does, how they are paid, and whether the cost is worth it. This plain-language guide explains the difference between a financial advisor and a CFP®, what a good advisor provides, and how to tell if you need one.
22 April 2026
An emergency fund is the foundation of any sound financial plan. Without one, unexpected expenses force people into expensive debt. This guide explains how much to save, where to keep it, and how to build it up even when money is tight.
21 April 2026
South Africa's two-pot retirement system launched on 1 September 2024 and fundamentally changed how retirement savings work. Understanding the three components (vested, savings and retirement pots) and the tax implications of early withdrawals is essential before you make any decisions.
14 April 2026
The 2026 National Budget introduced several changes that affect how South Africans save, invest and plan for retirement. From increased capital gains tax exclusions to higher retirement contribution limits, here is what you need to know and how to make these changes work in your favour.
7 April 2026
Since the 2022 amendment to Regulation 28 of the Pension Funds Act, South African retirement funds can now allocate up to 45% of assets offshore. This expanded limit gives investors access to global markets, but it also demands a more thoughtful approach to diversification and risk management.
31 March 2026
Budgeting does not have to be complicated. The 50/30/20 rule offers a simple, flexible framework: allocate 50% of your after-tax income to essentials, 30% to discretionary spending and 20% to savings and debt repayment. Here is how to adapt it to your circumstances.
24 March 2026
Responsible investing is no longer a niche pursuit. South African investors increasingly recognise that environmental, social and governance (ESG) factors can materially affect long-term returns. Here is how frameworks like CRISA and King IV guide responsible investment in South Africa.
17 March 2026
Good financial habits start early. By involving children in everyday money decisions and making savings visible, parents can lay the foundation for a lifetime of sound financial behaviour. Here are practical, age-appropriate strategies for South African families.
10 March 2026
Education costs in South Africa consistently rise faster than general inflation. Starting to save early, even in small amounts, allows compound interest to work in your favour. Here is what families need to know about planning for school and university fees.
3 March 2026
Estate planning is about more than drafting a will. It encompasses your entire financial legacy, ensuring there is enough liquidity to settle debts and taxes, and that your dependants are provided for according to your wishes. Here is what every South African should know.
24 February 2026
When you retire in South Africa, you must use at least two-thirds of your pension or provident fund savings to purchase an annuity. The choice between a guaranteed (life) annuity and a living annuity is one of the most important financial decisions you will ever make.
17 February 2026
An emergency fund is the foundation of any sound financial plan. It protects you from unexpected expenses and prevents you from raiding long-term investments or taking on expensive debt when life throws a curveball.
10 February 2026
South Africa has over ten million consumers with impaired credit records, and many households spend a significant portion of their income servicing debt. If you are feeling overwhelmed, there are practical strategies to take back control and start reducing what you owe.
3 February 2026
Financial planning is not about choosing a product first. It starts with understanding your goals, responsibilities and risks. A well-structured plan gives every financial decision a clear purpose and helps households avoid scattered, disconnected arrangements.
27 January 2026
If you were suddenly unavailable, could your family find your policies, accounts and estate documents? A well-organised financial file ensures your household can act quickly during a crisis. Here is what to include and how to keep it current.
20 January 2026
Retirement is not a single date on a calendar. It unfolds in phases, each with different income, spending and lifestyle needs. Planning for retirement as a transition rather than an event helps South African households prepare for every stage with confidence.
13 January 2026
Outdated beneficiary forms can undermine even the best estate plan. Marriages, divorces, births and business changes can all render old nominations inaccurate. Regular beneficiary reviews are a simple but essential part of protecting your family.
6 January 2026
Every couple brings different money habits, beliefs and histories into a shared household. Understanding those differences is the first step towards building a financial plan that works for both partners. Here is how to align priorities without losing individuality.
30 December 2025
Many business owners blur the line between personal and business finances, creating hidden risks. Separating your household balance sheet from your business is essential for protecting your family, planning for retirement and building real financial resilience.
23 December 2025
A financial plan that was right three years ago may no longer fit your life today. Income, debt, family responsibilities and tax rules all change over time. Regular financial reviews keep your plan connected to reality and prevent costly gaps from forming unnoticed.
16 December 2025
Unsure what to expect from your first meeting with a financial planner? A good initial conversation covers your household context, cash flow, existing arrangements, goals and risks. Here is what the process looks like and why it matters more than product talk.
9 December 2025
Market headlines, social media commentary and interest rate anxiety can pull attention away from what really matters in your financial plan. Here is why a structured planning framework helps households respond to volatility with clarity rather than impulse.
2 December 2025
A financial plan that only works when life is smooth is not yet complete. The real test comes during a health crisis, sudden income loss or family emergency. Building resilience, liquidity and clear documentation into your plan ensures it holds when you need it most.