Beplanning onderwerpe
It’s Youth Month, and while we’re focused on all things young people, it’s hard to ignore the mammoth-sized elephant in the room: unemployment. With youth unemployment now sitting at a staggering 45.5% (Stats SA - F2025:Q1) – and no clear plans in May’s National Budget on how this will be…
Fatherhood reshaped my perspective on investing. With a toddler discovering the world, a nine-year-old full of questions, and a teenager already thinking about the future, my approach has shifted from chasing short-term gains to building long-term resilience. Investing is no longer just about…
Despite admirable efforts, 94% of South Africans are unable to retire comfortably. That’s the sobering reality captured in recent industry reports and one that strikes especially hard as families prepare to celebrate the fathers who make it happen. While Father’s Day is typically filled with…
The South African Revenue Service (Sars) has reported a recent surge in trust tax return submissions, yet it says it remains concerned about the overall level of compliance within the trust sector. No wonder then that Sars is significantly increasing its scrutiny of trusts to ensure compliance with…
Many South Africans are looking to reduce their tax burden and improve overall tax efficiency, and one of the most effective tools available is the Tax-Free Savings Account (TFSA). With an annual contribution limit of R36,000 and no tax on interest, dividends, or capital gains, the TFSA offers…
Octa, a global regulated broker since 2011, conducted a survey to learn more about South African traders' security habits and behaviours, both in everyday life and in trading. Below are some insightful takeaways on how traders approach one of the most crucial aspects of their craft.There is an old…
Delays in winding up an estate can create unnecessary hardship for grieving families, and while the Master’s Office is often blamed for backlogs, the root cause frequently lies in poor or incomplete estate planning. Ensuring your estate is structured and documented properly can go a long way in…
South Africa faces many challenges, but a clear trend is emerging of expats returning home. Stats SA’s Migration Profile Report for South Africa, released last year, shows that since 2000, the number of South Africans in the UK has grown from 136,720 to 247,336. But in a move that some have dubbed…
Historically, trusts’ financials, if they were prepared, did not receive the attention they deserved from trustees. Typically, under pressure from often unforeseen deadlines, it was left to the accountant to make do with bank statements, if they existed for the trust, or to literally compile the…
It shocked me to learn that the Trump administration in the United States, with the assistance of Elon Musk and his Department of Government Efficiency, had dismembered and severely impeded the function of the Consumer Financial Protection Bureau (CFPB). This US government agency was established in…
Thulani Cele was, very sadly, a victim of low economic growth and the receiving end of retrenchments. While he did the smart thing and started making payment arrangements to cover his loans, especially one he took out to do an MBA, paperwork around an insurance policy that would have helped cover…
Every year, tax season creeps up on us, and somehow, despite all our good intentions, many of us still scramble at the last minute. With Sars officially opening the 2025 tax filing season from July 7 to October 20, now is the time to get your affairs in order before the inevitable rush.There’s good…
I grew up in a small village on the outskirts of the Free State. A place rich in community, warmth, and resilience, but sorely lacking in access to crucial resources, especially financial literacy. In our village, money was something you earned and spent, but rarely something you were taught to…
Cancer remains a leading cause of severe illness claims, accounting for 54% of total payouts in this category- a 30% increase from 2023, according to Sanlam.According to the group, notably, prostate cancer claims among men have doubled, while breast cancer claims among women have risen by 33%.…
Money in itself is not always number one is an odd thing for a money man to say. There’s something that not enough people think about when they want to start saving.Because I work for a business that focuses on long-term savings, I often get asked where the savings journey begins. People ask when…
According to recent media reports, Sars has launched a new initiative — Project AmaBillions — as part of its broader strategy to boost revenue collection by an additional R70 billion over the next three years.To support this objective, Sars has reportedly already recruited 500 new…
The South African Revenue Service (Sars) is preparing to escalate its enforcement drive. With R7.5 billion in additional funding over the medium term and the implementation of a focused initiative known as Project AmaBillions, Sars now has both the mandate and the means to pursue non-compliant…
As South Africa’s population ages and life expectancy increases, retirement is becoming a phased, multi-decade journey that demands thoughtful planning, emotional preparedness, and strategic financial insight. Here is how retirees can live meaningfully in the “last third” of life – by having…
A medical report does not automatically qualify an employee for disability insurance, according to the National Financial Ombud Scheme of South Africa (NFO).It said, while medical reports serve as key evidence, the employer’s medical boarding policy may differ significantly from the criteria used…
As cryptocurrency adoption accelerates across Africa, the excitement around the technology and its transformative potential is palpable. But alongside this rapid growth comes a critical challenge: ensuring that innovation does not outpace regulation. This balance is not just important — it is…