Beplanning onderwerpe
When you take out a life insurance policy, you need to take particular care that you get it right the first time. The trouble with life insurance is that it becomes more expensive as you age, and that, if you put it off until later, there is the possibility you’ll have health issues that may even…
Divorce can be emotionally draining and financially destabilising, and the road to recovery starts with taking back control of your finances. Whether you’re rebuilding from scratch or recalibrating your financial plan, these 12 practical strategies can help you move forward with confidence. 1…
Many young people today hold fast to the popular misconception that financial security is something to think about in the latter part of their lives. Well-known phrases like ‘You only live once’ and ‘live your best life’ often reinforce a mindset of focusing only on the present and…
South Africans are dangerously underinsured, and the consequences can be financially devastating. Whether it's damage to a home, loss of personal belongings, or major agricultural losses, too many individuals only discover gaps in their coverage when it's far too late.In many cases, policies don’t…
Financial freedom is often portrayed as a destination reached through budgeting apps, savings goals, and perfect credit scores. But for many young South Africans navigating a tough economic landscape, the real journey begins with something less visible but far more powerful: mindset. …
Being a single parent to a minor child can feel overwhelming, especially when you're solely responsible for daily expenses, education costs, and long-term planning. Unlike two-parent households, there's often no financial fallback, which makes it even more important to build a solid plan that…
Finance Minister Enoch Godongwana’s latest budget speech made a headline announcement that should prompt immediate attention from all of us as taxpayers: Sars has been allocated R4 billion to fund an aggressive debt collection strategy. This will see over 1,000 dedicated debt collectors is…
More young South Africans are prioritising wellness through therapy and fitness, but they continue to overlook financial well-being, and it is costing them more than they realise. Money stress spills into every part of life, from relationships to mental health, yet many young people build…
It’s almost time for the typical mid-year public school holidays, with the resultant need to replace some articles of clothing, buy new textbooks, or otherwise spend money on a child’s, or children’s, education. Online schooling is likely to be more cost-effective as there is no need to…
In a marriage in community of property, both spouses jointly own a single estate in equal, undivided shares. However, what many couples fail to consider is that the death of one spouse triggers the winding-up of the entire joint estate. This process can have far-reaching—and sometimes unintended—…
The Office of the Pension Funds Adjudicator (OPFA) has come down hard on the South African Local Authorities Pension Fund for ignoring repeated requests for information, in what it describes as serious non-compliance with regulatory obligations.Adjudicator Muvhango Lukhaimane reported the fund to…
The financial landscape for young South Africans is rapidly evolving, shaped by economic pressures, shifting priorities, and a growing reliance on digital financial tools.The Youth Barometer, which harnesses data from Standard Bank’s Personal and Private Banking and Liberty, offers a revealing…
Estate planning isn’t just for the wealthy or the elderly. It’s a crucial part of anyone’s financial plan, regardless of age, assets, or family situation. Done properly, it ensures your loved ones are taken care of, your wishes are followed, and your estate is handled with minimal stress or…
"Go big or go home," we are told — but also, "live within your means." "Secure the bag" — but also, "save for a rainy day." These messages are loud, constant, and often confusing. It's no wonder that so many people feel overwhelmed when it comes to their finances. The truth is, money is…
South Africa’s youth face a financial reality arguably more complex than any previous generation. They’re entering adulthood amid rising living costs and high unemployment rates. For many, the question isn’t just how to build financial stability, but also about how to start. This Youth Month,…
When constructing an investment portfolio, the savvy investor knows that shares are the single asset class that provides real returns over the long term. However, those who are new to investing may be intimidated by this asset class, and short-term market fluctuations (otherwise known as ‘market…
The South African Revenue Service (Sars) is no longer the passive revenue service many South Africans remember. With the injection of R3.5 billion from the national budget and the ominous launch of “Project AmaBillions,” Sars has entered its most aggressive phase of enforcement in years and is…
The South African Revenue Service (Sars) has officially discontinued the printing and posting of all system-generated letters, effective May 31, 2025. From this date forward, all Sars correspondence will be delivered electronically via eFiling and other digital platforms. This…
There is a hard truth we can no longer ignore: if we don’t act now, most working South Africans will have no choice but to work until they’re 80. Not because they want to, but because they have to. When it comes to retirement, expectations often do not meet reality. The consumer portion of…
When people think about building wealth, the focus is often limited to investment performance, asset allocation, or tax efficiency. These are all important, but in the context of generational wealth, they’re only part of a much bigger picture.Effective intergenerational wealth management is about…