Beplanning onderwerpe
Over the last few days, every gossiping tongue in South Africa has expressed an opinion about a R44 million pension payment dispute of almost presidential proportions. According to court records and media reports, the daughter of our recently deceased former deputy president and her mother are…
In addition to the better-known aspects about having a will – such as actually having a legally valid one – some other, less understood items are important to note when deciding how best to distribute your estate after death.A will is a must because otherwise your assets will fall subject to the…
This week, something a little different: a 20-question quiz on how much you know about the world of money, including tax and investments. Most questions refer to the kinds of facts you’d pick up along your financial journey if you were diligent about managing your money and engaged regularly with a…
I’ve just landed a well-paying job and want to start building a financial plan for my future. How do you suggest I go about this? – Bianca van Niekerk, Wealth Adviser, PSG Wealth, Vanderbijlpark Financial PlanningCongratulations on landing your new job and even more so for taking charge of…
Spring has arrived, and with it comes the familiar urge to refresh our homes and gardens. But while we’re busy decluttering cupboards and trimming hedges, it’s also the ideal moment to review our insurance policies and asset registers, an often-overlooked part of responsible homeownership.“…
Once heralded as the bedrock of secure investment, South Africa’s property market is finding itself overshadowed by a surprising contender: luxury watches.While many South Africans continue to cling to the belief that real estate is the safest bet, an increasing wave of savvy investors are now…
In today's competitive business landscape, small and medium enterprises (SMEs) face a critical challenge: attracting and retaining top talent while managing tight budgets. Traditional employee benefits packages, centered around comprehensive medical scheme benefits and pension funds, have long been…
While the National Health Insurance (NHI) promises universal coverage, the reality is that South Africans could face years of uncertainty, legal battles, and implementation delays that leave critical gaps in healthcare protection. South Africans face an increasingly complex and costly medical…
The damage caused by payroll fraud and ghost employees is often catastrophic: large sums are lost, and additional spending on investigations and prosecutions. In many cases, the companies forgo legal actions and fire the fraudster, who often moves to a new business and restarts their crimes. …
When Giorgio Armani passed away at the age of 91, the legendary Italian fashion designer and founder of the Armani empire, left behind more than a valuable multinational, he left a carefully scripted succession plan for the luxury-goods business he had built since 1975.In his will, Armani…
In many South African communities, a funeral is more than a private family matter. It is a cultural commitment that brings neighbours, relatives, and friends together to honour the life of someone who has passed away, and to give them a dignified send-off. While the rituals carry deep meaning, the…
South African social influencers and gig economy participants are now firmly in Sars’ crosshairs, following the revenue authority’s announcement of a new taxpayer segment aimed at tightening compliance in the digital space.This development signals a clear shift in Sars’ strategy: all income,…
Heritage Month has always been a time for me to reflect on where we come from, for example, the languages, traditions, and values that connect us. But over the years, I have come to realise that heritage is not only about the past. It is also about what we pass forward. And that includes something…
Heritage Day in South Africa is celebrated as a colourful display of our diverse cultures and traditions. We gather with family and friends, share stories, and celebrate the values passed down through generations. But what if our heritage could also include a foundation of financial…
A will is considered by many to be a simple, free legal document - something you can easily download online, fill out, and have a few friends sign. While the idea of free will is tempting, it overlooks the fact that a will is not just a simple document, but rather an act of love and a final…
The September 2025 Household Affordability Index has shown that the cost of putting food on the table remains a challenge for South African families, with the average household food basket recorded at R5 379,42.This marks a slight month on month decrease of R1,20 from August but still represents a…
About a decade ago, the financial services world was abuzz with the concept of robo-advice – financial advice provided by a “bot” on an online platform. Basically, you could punch in details such as your income, savings, expected retirement date, and risk profile, and the bot would do the…
In South Africa, money is never just money. It’s a symbol, a story, a social contract. It’s how we honour our ancestors, support our families, and prepare for tomorrow. And as Heritage Day approaches this September, it’s time to ask: What does our heritage teach us about money? South Africa’s…
Use a spring reset to get ahead of the ‘silly season’. For many, September feels like a reset button. The days are longer, the weather warmer, and, according to a recent survey by digital lender Finchoice, more than 90% of surveyed customers see spring as a ‘fresh start,’ especially when it comes…
Even when assets are substantial, the absence of a valid Will or the presence of multiple conflicting Wills can leave families facing uncertainty, delays, and legal complexities.A Will gives you control over how your estate is distributed. Having a valid Will is not just about protecting your…