Tag: FinancialPlanning
Higher earners face a closing window as tax year-end approaches
With the end of the 2025/2026 tax year fast approaching, South Africans have a narrowing window to make financial decisions that can meaningfully improve their savings outcomes. Acting before the tax year closes can deliver immediate tax benefits and lasting financial advantages. February ranks among the most important months on the financial calendar.
Retirement and estate planning working together
Estate planning and retirement planning rarely appear in the same discussion. This separation often obscures the importance of retirement and estate planning as a connected process. This is because they focus on different life stages. People often treat them as separate aspects of financial planning. However, it remains important to consider your retirement funds when constructing your estate plan.
Tax diagnostic review – a strategic reset for the year ahead
As we step into 2026, there is no better time for taxpayers to gain clarity on their standing with the South African Revenue Service (SARS). Many individuals assume their tax affairs are in perfect order. However, as the saying goes, assumption is the mother of all mistakes. When dealing with SARS, that mistake can become costly.
Build your retirement early – small steps, long-term security
More people are starting to save for retirement in their twenties, however, many still feel financially unprepared for the future. According to our 2025 Retirement Insights Survey, the average starting age for retirement saving is 27.
Diversifying offshore is a must for prudent portfolio management
Today’s investment landscape is increasingly complex for South African investors. Heightened market volatility and political uncertainty make portfolio management more challenging. Offshore investing remains a critically relevant strategy for preserving and growing wealth while managing risk. Diversifying offshore is not just a luxury; it has become a necessary consideration for prudent investors.
The hidden cost of bargain-hunting this Black Friday
As South Africans gear up for the Black Friday rush, the excitement of “unmissable” deals intensifies. The promise of saving big often hides a deeper truth. Most shoppers end up spending more, not less. This reality reflects the hidden cost of bargain-hunting, which often slips past unnoticed. The thrill of discount shopping can quietly erode long-term wealth.
