The Illusion of Control in Investing
There is something deeply reassuring about feeling in control. Therefore most of us prefer to believe that, with enough research, careful analysis, and constant vigilance, we can steer outcomes in our favour. In many areas of life, that belief is justified since effort and competence are often closely linked to results. As we know, if […]
Daily Report 16 April 2026
SA Company News: The Johannesburg Stock Exchange All-Share Index closed 0.33% lower at the 119 353 level as resource stocks weighed on the market. Resources fell 1.27%, dragged lower by declines in precious‑metal miners, with Gold Fields down 2.7% and AngloGold Ashanti off 3%. In contrast, Financials edged up 0.11%, supported by a 1.12% gain […]
Why Your Brain Is Wired to Sabotage Your Wealth and How to Outsmart It
If there is one uncomfortable truth about personal finance, it is that the greatest threat to your investment returns is not the market, inflation, politicians, or even fees, but your own brain. We like to believe that we are rational, thoughtful decision-makers, especially when it comes to something as important as our money, yet decades […]
Tips for Managing Money in a Marriage
Money between spouses has a way of becoming either a quiet source of strength or an unspoken point of tension, and the difference usually lies not in how much there is, but in how it is structured, communicated, and managed over time. The idea of “optimal” financial structuring is less about rigid rules and more […]
Why Allocation Is More Powerful Than A High Income For Creating Wealth
It is easy to assume that people with high incomes automatically become wealthy. After all, if you earn more, you can save more, and if you save more, surely wealth follows. Yet real life tells a different story, because very often even high earners feel perpetually stretched, while individuals with more modest incomes quietly build […]
Breaking Down The Impact Of The 2026 Budget
A couple of weeks ago the Finance Minister, Enoch Godongwana delivered the 2026 national budget, and one of the clearest messages for ordinary South Africans was that there would be some tangible relief from the pressure that inflation and cost-of-living increases have placed on household budgets. After two consecutive years in which personal income tax […]
Think Of Your Emergency Fund As An Investment Strategy
People often describe an emergency fund as a safety net or a buffer, while others refer to it as a simple financial habit that responsible adults should maintain. Many frame it as something separate from investing, almost like the boring cousin of a “real” investment portfolio. It earns little, sits quietly in a bank account, […]
The Real Reason Most Retirement Plans Fail
When retirement plans fall apart, people are quick to blame the market, as it is an easy explanation. Yes, markets are volatile, economies go through cycles, headlines are dramatic, but in most cases, the real damage was done long before the downturn arrived. Retirement plans do not usually fail because of a single bad year, […]
Why Allocation Is More Powerful Than a High Income for Creating Wealth
It is easy to assume that people with high incomes automatically become wealthy. After all, if you earn more, you can save more, and if you save more, surely wealth follows. Yet real life tells a different story, because very often even high earners feel perpetually stretched, while individuals with more modest incomes quietly build […]
Time To Top Up Your Tax-Free Savings and Retirement Contributions
As the end of February approaches, many are focused on school terms, year-end work pressures, or simply getting through the first stretch of the year. Very few people think of it as a financial deadline, yet the last day of February marks the end of the tax year, and with it, an important opportunity to […]