Beplanning onderwerpe
Familial financial support – often referred to as “Black Tax” – is common among black South Africans. It teaches and expects income earners to contribute to the general good of the extended family.In seeking to understand this phenomenon better, a University of Cape Town PhD student found that…
Many South Africans struggle with debt and meeting their day-to-day living expenses. Yet despite the availability of expert help and practical solutions, they remain trapped by feelings of guilt, shame and uncertainty, which prevent them from reaching out for the support they need. A…
It’s not just death and taxes. Uncertainty and volatility have also become certainties you can count on. This has had significant implications for fund management. Sound investment strategies are increasingly about rigorous processes, identifying opportunities and recognising and learning from…
For millions of South Africans, a unit trust or a portfolio of a Collective Investment Scheme (CIS) is one of the pillars of their financial future, serving as a vehicle for retirement savings, children's education funds, and long-term wealth creation. Under the National Treasury's…
Recently, there has been much furor around the rise of online work opportunity scams, especially those targeting youth. These scams often appear on social media and range from so-called “pay-for-job” schemes and bogus learnerships or internships, to fake interview venues and non-existent work-from-…
The soon-to-be-enacted Conduct of Financial Institutions (COFI) Bill is the next step in South Africa’s outcomes-based, principles-led market conduct regulation. Once it becomes effective, the Act will consolidate conduct-related provisions from across multiple financial services sector laws into a…
It is a year since the so-called “two-pot” retirement savings system came into effect in South Africa, with the aim of forcing employees to retain a major portion of their retirement savings until they need it most – when they retire.Is it working as expected? There have been teething problems, but…
Rogue debt counsellors give the industry a bad name If you’re feeling like you’re drowning in debt, you’re not alone. More and more South Africans are turning to personal loans to make ends meet, but this extra borrowing is leaving households vulnerable – and opening the door to scammers who…
South Africa’s Generation X – roughly middle-aged – is hitting peak earnings, but the financial pressure is real.Caught between caring for ageing parents and raising children, many in this cohort are finding their peak earning years anything but easy.A study by JP Morgan Asset Management shows Gen…
Buying a home is an exciting time, but for most South Africans, it also comes with the challenge of securing a bond, and one of the biggest stumbling blocks for buyers is often paperwork. While it may feel like this is the least glamorous part of the journey, being well-prepared with the right…
Ever felt like your finances are stuck in a perpetual winter, battling the chill of rising costs and the gloom of debt? You're not alone. But as South Africa starts to feel the vibrant energy of spring, it's time to ask: what if this season could be the turning point for your …
5 Smart Strategies to Manage Debt and Interest Rates in 2025 South Africans are learning to live and thrive in a financially uncertain world. The latest TransUnion Consumer Pulse Study (Q2 2025) shows that while 39% of households expect they may miss at least one bill or loan…
Global wealth is on the move as high-net-worth individuals (HNWIs) relocate from longstanding wealth strongholds to other locations in increasing numbers, and there are three main factors currently motivating them to do so.Berry Everitt, CEO of the Chas Everitt International property group, notes…
“Poverty exists, not because we cannot feed the poor but because we cannot satisfy the rich” (Anon).It has long been my observation that big business, as opposed to the corner shop, often indulges in somewhat questionable activities. Some of our biggest supermarket chains were, at one time,…
Parents today face a very different challenge from those who raised children a generation ago. While many of us learnt about money at the corner shop, children are now growing up where money moves invisibly through apps and wallets. Raising ‘Money Smart Kids’ has become less about coins in a jar…
If you’ve ever taken out a loan, signed up for store credit, or financed a car or cell phone, chances are you’re already paying for a little-known but potentially life-saving insurance policy, without even realising it. It’s called Credit Life Insurance, and while it’s meant to offer a…
South African households continue to feel the squeeze from high inflation, stagnant real wages, and rising unemployment, leaving many struggling to make ends meet.The Altron FinTech Household Resilience Index (AFHRI) for the first quarter shows that, while there has been modest improvement over the…
South Africa is navigating an increasingly uncertain macroeconomic landscape. Inflationary pressures, sluggish growth, high unemployment, and persistent structural failures are coalescing into a difficult reality for investors and entrepreneurs alike. For high-net-worth individuals, the risks are…
For many motorists, the first time they truly pay attention to their insurance policy is when they need to submit a claim after an accident. One of the most common areas of confusion is the excess, the portion of the claim you are responsible for paying out of your own pocket.SAMBRA regularly…
The South African Revenue Service (Sars)’ proposed Value-Added Tax (VAT) Modernisation Project is geared to combat challenges faced by traders, businesses, and Sars, including compliance inefficiencies, the risk of errors, and tax evasion. Phase 1 will entail inserting key definitions…