Beplanning onderwerpe
By Caroline Naylor-Renn“I don’t want my kids to go through the same struggles as I did.” That’s the mantra most parents have for their children. They may also be aware that their children will face financial challenges that they never did. Many jobs, for example, require significantly higher levels…
By Jason HiggsManaging money as a newly-married couple can be both exciting and challenging. While merging finances may seem daunting, it’s essential to building a solid foundation for your future together. With open communication, shared goals, and a collaborative approach couples can navigate…
Absa launches new office in ChinaAbsa Group has announced the official launch of a non-banking subsidiary in the People’s Republic of China.“The African continent is endowed with talent, mineral wealth and a young population – and is poised to play an increasingly influential role in global trade…
By Therèse HavengaBeing a mother and wife means that I hardly ever think of myself first. I feel too guilty. I want my family to be well, and my daughter to have ample opportunities. Even when I consider some of my dreams, I take into account that I would love my family to share those dreams with…
Caring for loved ones who depend on you is a commitment that extends well beyond the living years. It’s a fact of life that the needs of close family members that you help support, from your parents to your partner and your children, don’t end when you pass.As a mother and a primary caregiver,…
Tomorrow marks Mother’s Day, and I would like to reflect on what it is to be a mother, and especially a working mom. I am a mother to three beautiful kids, and I also have nephews and nieces. Being a mom has been wonderful, but taking care of my kids financially has been a blessing. Here are three…
Personal financial situations and the economy’s direction are still the primary cause of anxiety among South Africans, according to the Deloitte Consumer Signals Report for the first quarter of 2024.Despite this, net anxiety levels had decreased in South Africa as compared to the previous year, the…
By Pieter FourieThe 2024 global equity market landscape presents a complex mix of challenges and opportunities for investors, with concentrated markets, elevated valuations, and ongoing economic uncertainty all highlighting the need for skilled active management.Navigating this environment requires…
Personal Finance is closely correlated with human rights contained in our Constitution and is also provided for in the Universal Declaration of Human Rights.1. The Universal Declaration of Human Rights (UDHR) is a document that acts like a global road map for freedom and equality – protecting the…
Last week I surveyed global equity exchange traded funds (ETFs) offered by local asset managers to South African investors. These so-called “feeder” funds track a global equity index but are denominated in rands, which means that your returns are a function of both the performance of the underlying…
Often trustees do as they wish and are not aware of (or ignore) the fact that they have to abide by the instructions of a trust deed; it being a contract between the trustee/s and the founder/s. Many have never even read the trust deed. Many trustees also do not understand the unique nature of a…
Just SA’s weekly jargon buster aims to give simple, plain English explanations for typical words and phrases used in the financial industry, in particular, words relating to guaranteed life annuities and living annuities. This week, we look at the letter: SSarsThe South African Revenue Service (…
Judging by their credit card spending patterns, urban consumers in South Africa have generally coped better than those in other countries in dealing with the economic challenges of the post-pandemic years.This is a key finding of the Discovery Bank/Visa SpendTrend24 report, released last month,…
Kendrick Lamar famously rapped, “Money trees is the perfect place for shade”, strongly hinting that a solid financial foundation is the solution to a life free of stress. Although this lifestyle may be a reality for rap gods like Lamar, most of us are so far away from even planting a money tree…
As Mother's Day approaches and South Africans begin their search for gifts to express appreciation for their mama’s and moms, it offers a unique opportunity to present something truly meaningful: the gift of financial well-being. This is according to Lizl Budhram, head of advice at Old Mutual…
In recent years, drones have transformed from military apparatus to infiltrating almost every type of industry under the sun, including agriculture. According to Industry ARC, South Africa’s small drone market is experiencing rapid growth, and is expected to reach $134.5 million by 2025, with a…
By Selina Bieber If you’re looking for ideas to consider earning some money while you study or to help boost your income, having a side hustle can be a great way to get started.There are many jobs you can do from your home in your spare time – often, needing not much more than a computer and an…
In the realm of finance, the bond between tax consultants and clients goes beyond numbers. It’s a pivotal relationship built on trust and expertise. Successful tax consultants understand that fostering a strong connection with their clients is not just about financial proficiency but also about…
The South African Revenue Service (Sars) has reported a landmark tax collection for the fiscal year ending March 2024, amassing a gross total of R2.155 trillion. This figure represents a year-on-year growth of 4.2% against the nominal GDP growth of 4.9%. After disbursing R414 billion in refunds,…
By: Brett LadouceTHE law of unintended consequences is observed where the actions taken by a person, institution or government lead to results, mostly negative, that were not expected or intended.By this time, all retirement fund members should be aware of the two goals of the Two Pot System that…