osing your job is never easy.
Whether it comes unexpectedly or after months of uncertainty, it can bring a mix of emotions: shock, frustration, anxiety and concern about what comes next.
One of the biggest worries for most people is their finances.
Lost Your Job? 10 Financial Steps to Help You Get Back on Track Read More »
Divorce is one of life’s biggest transitions.
Alongside the emotional challenges, there are often significant financial decisions to make, many of which can affect your financial security for years to come.
During this time, it’s understandable that much of your attention is focused on the legal process, your family and adjusting to a new way of life. However, your finances deserve just as much consideration.
Divorce and Your Finances: 10 Important Steps to Protect Your Future Read More »
For many South Africans, tax can feel like one of the biggest monthly expenses.
You work hard to earn an income — only to see a significant portion disappear before it even reaches your bank account.
That’s why many people ask:
“Is there a legal way to reduce how much tax I pay?”
The answer is yes, you can legally reduce your tax.
Many South Africans know they should be investing — but they’re often unsure where to start.
Should you open:
A Retirement Annuity (RA)?
A Tax-Free Savings Account (TFSA)?
Or invest in Unit Trusts?
RA vs TFSA vs Unit Trust: Where Should You Invest First? Read More »
If you’re in your 40s or early 50s, chances are you’ve asked yourself this question at least once:
“Am I actually financially on track?”
It’s a fair question, and not always an easy one to answer.
Are You Financially On Track at 40, 45 or 50? A South African Guide Read More »
It’s a question many people think about, but few ask out loud:
“What should my net worth actually be by now?”
Whether you’re 40, 45, or 50, it’s natural to wonder how you compare, and more importantly, whether you’re on track for the future you want.
What Should Your Net Worth Be at Your Age in South Africa? Read More »
Making the right choices for your retirement income is crucial. One key question many South Africans face is whether to stick with a living annuity or switch to a guaranteed annuity.
Should I Switch from a Living Annuity to a Guaranteed Annuity? (Decision Framework) Read More »
Wondering when & how you pay tax on your investment profits? Here’s a simple explainer on capital gains tax (CGT) in South Africa, covering shares, property, crypto, ETFs, TFSAs, and more!
Capital Gains Tax in South Africa: A Simple Guide Read More »
This behavioural finance South Africa guide explores the psychological reasons behind our money mistakes and how financial planning can help bring clarity, calm, and control to our financial lives.
Why We Make Bad Money Decisions (and How Financial Planning Can Help) Read More »
In this practical unit trusts South Africa guide, we unpack how these investments work, their advantages and risks, and how to choose a unit trust that aligns with your financial goals.
Unit Trusts Explained: A Guide for South African Investors Read More »
International relocation, whether you’re leaving or returning, is a major life transition. For many South Africans aged 35–55, moving abroad for work, family, or lifestyle reasons, or returning home after years overseas, introduces complex financial challenges.
Financial Planning Checklist for South Africans Moving Abroad (or Returning Home) Read More »
Reaching retirement is a significant milestone. You’ve worked hard to accumulate savings, and now comes the critical transition: turning those savings into a reliable income stream that will support you for the rest of your life.
