Beplanning onderwerpe
South Africa is grappling with a growing cancer crisis, and experts warn the country’s shortage of oncology specialists and modern equipment is holding back progress. With Africa lagging far behind global healthcare standards – the World Health Organization (WHO) pegs the continent at just 1.55…
Money isn’t just about numbers; it’s deeply emotional and often tied to trauma that can ripple through generations. In South Africa, where financial struggles and inequality have long histories, experts say recognising and healing these wounds is key to breaking harmful cycles. It’s a tough journey…
Planning for retirement is no longer a luxury, it’s a necessity. Yet, for many South Africans, the gap between what they have saved and what they need to retire comfortably is growing wider. A survey by Credit Suisse revealed that while nearly 80% of South African retirees receive a pension,…
As we kick off the year, Metropolitan’s We Start Stronger 2025 campaign is shining a light on how our emotions drive our money choices.Financial therapist Bari Tessler, author of The Art of Money Workbook, says: “A huge 85-90% of our financial decisions are based on emotion.” Whether it’s heavy…
It’s important to understand your tax residency status when moving between countries. How long you're going to be spending in each jurisdiction, will, in most instances, determine where your tax residency is going to reside. If you’re a tax resident in the UK, you should be reporting your…
Parents who fail to keep up with maintenance payments may soon face a new hurdle: restricted access to credit. The Department of Justice has introduced a policy that could see delinquent parents’ credit scores take a hit, as South Africa grapples with a staggering 70% default rate on maintenance…
More than 6,000 non-profit organisations (NPOs) in South Africa have been deregistered for failing to submit annual reports, as required by Section 18(1) of the Non-Profit Organisations Act. Even more alarming, a staggering 203,279 NPOs, voluntary associations, and trusts are at risk of…
When transferring money internationally, whether for business or personal reasons, it's crucial to be aware of the potential pitfalls that can lead to costly delays, excessive fees and ultimately, lost money. These issues can arise from common misconceptions about the process, hidden charges, and…
The ever-present talk of imposing a wealth tax on South Africans as a source of revenue has resurfaced after the National Treasury’s plan to collect an additional R58 billion mainly from higher VAT in the 2025/26 financial year, was stopped in its tracks with the postponement of the National Budget…
With load shedding making an unwelcome return and electricity tariffs continuing to rise, South African households are likely to keep investing in renewable power. Whether you are installing an alternative energy solution for the first time or expanding your existing setup, now is the time to…
By: Brett LadouceIn this article, I am revisiting my article, “Does it pay to make the maximum tax-deductible contribution?”, published in Personal Finance on June 5, 2023. In that article, I highlighted the benefits, from a tax perspective, of making the maximum allowable tax-deductible…
By: Alex OdendaalEstate planning is often seen as something to be done later in life, but it plays a critical role in managing assets throughout one’s lifetime. A well-structured estate plan ensures financial security for loved ones, minimises tax burdens, and streamlines the administration process…
By: Nicola MawsonWith age comes the curse of an older body that isn’t as agile as it once was and has more brittle bones. As a result, it’s important to ensure that you are fully covered for medical care the older you get, especially in retirement when you are likely to be living off a fixed income…
A real estate investment trust, known widely by its acronym, REIT, is an entity that invests in and manages property on behalf of its investors. It provides a way to invest in property without owning it directly.REITs are relatively new to South Africa, but they have existed in other countries for…
By: James SaundersCriminals conducting Illicit Financial Flows (IFFs)—money transferred from illegal sources, by nefarious means, and for ill intentions—have developed sophisticated ways to bypass the financial system. Financial institutions are now finding it far more complex to separate…
Last week, the Raging Bull Awards lit up the investment world, shining a spotlight on the best and brightest in the collective investment industry. It was a privilege to witness this remarkable event firsthand. The highlight of the night? Citadel walking away with the coveted South African Manager…
Competition Commission approves PSG’s acquisition of ButtaNutt with conditionsThe Competition Commission has granted conditional approval for PSG’s proposed acquisition of ButtaNutt, marking a significant development in South Africa’s investment landscape. PSG, the primary acquiring entity,…
By: John AndersonWhile global warming is accelerating at a record-breaking speed, resulting in extreme weather events like floods and drought, few South African retirement funds have climate policies in place. The World Meteorological Organisation declared 2024 the hottest year on record, following…
By: Daniel Dos PassosTo quote Barry Schwartz from his book: “The Paradox of Choice: Why More Is Less”, “On the other hand, the fact that some choice is good doesn’t necessarily mean that more choice is better”. Paradoxically as financial markets and investment products evolve, it has never…
By: Thomas BerryA study by The Williams Group, which tracked 3 200 families over two decades, has found that 70% of wealthy families lose their fortunes by the second generation, and 90% by the third. Interestingly, this trend transcends geography and culture, as reflected in the Chinese proverb: “…