Beplanning onderwerpe
By: Keith PeterTraditional financial advice recommends maintaining three months’ expenses in an emergency fund. However, inflation erodes the value of cash, making it challenging to keep pace with rising costs. Some South Africans have considered placing emergency savings in tax-…
The National Gambling Board (NGB) has issued a cautionary message to South Africans struggling with financial pressures during "Januworry," advising against gambling as a means to address monetary shortfalls."Gambling should never be defined as a source of income, or to make ends meet," says…
As the old adage goes, the financial markets never sleep. News breaks every millisecond. Monetary policy decisions, macro- and microeconomic releases, and geopolitical developments flood the markets at the speed of a click. While every session has significance, the London trading session stands out…
By: Siyabulela NomoyiI have discovered that two of the greatest things in life are investing for your future and travelling to broaden your world. Both expand your horizons, but, given that I’ve learned the hard way, they come with similar traps and we can avoid these traps with some insights.Some…
Investment experts are generally more optimistic about South Africa than this time last year, when the economy was under enormous strain, but are fearful that external forces might derail any economic progress we make in 2025.Commenting in mid-December, Victoria Reuvers, managing director of…
By: Tshego BokabaSouth Africa’s youth stand at a critical juncture. With more than four in 10 young people between the ages of 15-34 not in employment, education, or training, the challenge of youth unemployment has never been more urgent. But within this challenge lies immense opportunity – an…
The start of the academic year often brings financial challenges for families, but the rising cost of education is stretching household budgets even further. Over the last decade, school fees have consistently grown faster than inflation, adding significant strain to already tight finances.This is…
Topics that dominate personal finance discussions in 2024 and 2025, reflect the dynamic interplay between economic conditions, technological advancements, societal values, and political developments. We cover some of these topics briefly.1. High Unemployment rate.In the last few days, we witnessed…
By: Nicola MawsonIt’s October and the courtroom in the Johannesburg Magistrate’s Court is quiet. Just a few lawyers and a magistrate who is reviewing – approving, denying, or asking for more information – applications for debt review put before the court by debt counselling companies.Yet, there are…
By: Brett LadouceAs we start off 2025 with the goal of achieving better retirement outcomes, some of us are willing to make sacrifices to achieve our retirement goals while others are looking for a magic formula or cheat sheet to achieve the best outcome with the least amount of effort. For…
The prestigious Raging Bull Awards, originally scheduled for January 27th, has been moved to Monday, February 17th due to popular demand, aligning with our commitment to deliver an evening that celebrates excellence in the investment industry.This adjustment aligns with our commitment to provide an…
As we dive into the new year, we're excited to continue being your trusted source for navigating the ever-evolving financial landscape. With the school year starting, we’ll provide practical tips on budgeting for school supplies, fees, and other expenses on our dedicated Money Page, ensuring your…
As we step into the new year, many South Africans are reflecting on their financial resolutions and setting new goals for 2025. Whether it’s growing your savings and investments, settling your debt, or securing your long-term financial stability, a big part of the wealth creation journey for…
By: Hannah MyburghA new year brings resolutions to save and invest, with many unit trusts and investment options available. However, it's easy to get overwhelmed by details and overlook fundamental investment principles. Whether you're already invested for the long term or starting your journey, it…
By: Willem OberholzerOn December 6, 2024, the High Court issued a significant ruling in the case of ASPASA NPC and Others v C: SARS (2024), reinforcing taxpayer rights and clarifying key legal issues surrounding the Mineral Royalty Act.The case involved a dispute over the interpretation of the term…
It’s twenty-twenty-thrive and you’ve decided you’ll finally take the leap and start your own business. Or perhaps you have been flirting with a promising side hustle for some time, and you’re ready to turn your part-time gig into a full-time thing.For those who have chosen to journey down the…
By: Brett LadouceAs we start off 2025 with the goal of achieving better retirement outcomes, some of us are willing to make sacrifices to achieve our retirement goals while others are looking for a magic formula or cheat sheet to achieve the best outcome with the least amount of effort. For…
The South African Revenue Service (Sars) sent a loud and clear message to trustees about a month ago on social media – “Remember to submit your accurate and honest Trust tax returns (ITR12T) via eFiling by 20 January 2025”. Do not underestimate this warning. Trustees often abdicate their…
Property is often seen as one of the safest and most rewarding investments, offering both the potential for growth and the security of a tangible asset. However, it can also be a costly mistake, one that’s not easily undone.“Whether you're buying a home to live in or an investment property, real…
Financial independence is not only a means to achieving personal goals but also a critical tool in breaking cycles of dependence that leave many women vulnerable to exploitation and abuse. Financial advisers have a unique opportunity to advance women’s empowerment by…