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Maximising the benefit of a tax-free investment

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South Africa has one of the lowest household savings rates in the world. To encourage the culture of savings, the government introduced tax-free investment and tax-free savings accounts in 2015 to incentivise good savings habits.

Women – leave a legacy your loved ones deserve

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As a result of the pandemic, women are more financially exposed than ever. According to our latest Household Financial Wellness Insights, released together with UNISA, women who make up 51.1% of the South African population, were hardest hit by the lockdown.

Life insurance or funeral insurance?

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About 7 million South Africans have funeral insurance; this is according to Finscope’s 2019 statistics. This figure underlines the importance we place on making sure our loved ones have a dignified send-off. The question to be asked is whether it is necessary to have both types of insurance policies to achieve long-term financial stability.

A financial strategy allows us to live well and end well

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A question that’s not asked often enough is whether the way we go about retirement planning is necessarily the best way. All too often, this milestone is overshadowed by the pressure of whether we’ve saved enough to see us through our next life stage: a new stage in which our future is directly correlated to how well we’ve managed to plan in the past.

Common money saving mistakes and how to avoid them

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With the cost of living increasingly expensive, it is important to know how and where to save money. In this way, you can get a handle on your finances and feel more in control. We all have different money management styles. Along the way can find ourselves making mistakes, which can cost us a lot and possibly set us back on our money saving quest.

Couple’s guide to managing finances effectively

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The subject of 'finances' may seem as though it’s the antithesis of romance, as we all know that financial problems can act to the detriment of relationships. But working to manage your finances effectively together is often vital to building and maintaining a strong and healthy relationship with your significant other, and can even bring couples closer together.

Estate planning – your will is critical

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While we will all face the inevitability of death one day, many of us find it scary to confront our own mortality. But good estate planning is a critical aspect of broader financial planning; without it, our dependants may be left in a precarious financial position. 

The pitfalls of low premium-high excess insurance

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2020 is not coming up roses in the economy department and all indicators point to a tough year for consumers. In tough times, looking for ways to cut back, save, and make your money work harder for you, is always a good idea.

Spring cleaning your finances

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In South Africa, 1 September is known as Spring Day, signalling the approaching change in season from winter to summer. This time of year is known to act as a trigger for people to tackle their annual 'spring cleaning' ritual – they get rid of old or unused items, deep clean the house and do some general re-organising.

What is the right time and where to invest in turbulent...

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The stock market can be volatile, but it’s a market that many people will delve into at some point in their lives whether directly buying shares or through their employer retirement saving fund. I believe that investments should form a core part of any financial planning, even during uncertain times.

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