Every January, we dust off spreadsheets, download budgeting apps and promise ourselves that this will be the year we finally “get our money right”. We plan stricter categories, tighter limits and more discipline, convinced that if we just try harder, our finances will fall into place. And yet, by March or April, many of those […]

The holiday season is often associated with high spending, but it’s also an ideal time for investors to reassess their portfolios and ensure their finances are on track. Here are some useful tips to consider before heading into the December holidays. Review and rebalance your portfolio Before the holidays, take the time to review your […]

Selling property or investments can be an exciting financial milestone, whether it is cashing in on a long-held asset, upgrading to a new home, or restructuring a portfolio. However, one aspect that often catches people off guard is the tax implications of these transactions, particularly when it comes to capital gains tax. Many individuals only […]

Tax-Free Savings Accounts have become a popular way for people to save and invest without having to pay tax on the returns they earn. Introduced through Section 12T of the Income Tax Act, these accounts were designed to encourage a culture of saving by allowing individuals to grow their money without worrying about tax on […]

How Is Your Estate Taxed When You Pass Away   When a person dies, their assets do not simply disappear or automatically pass on to their loved ones without financial consequence. In many cases, the estate of the deceased is subject to a form of tax known as estate duty. This is a tax on […]

Understanding Benchmarks and The Role They Play In Your Portfolio Benchmarks play a pivotal role in the investment landscape, serving as reference points against which fund managers measure and evaluate their performance. These benchmarks, often represented by market indices, provide a standard for assessing how well a fund is performing relative to the broader market […]

How You Can Tailor Your Retirement Fund Many retirement fund members do not realise that they have a choice when it comes to how their retirement savings are invested. While most people are aware that their money is being managed by a fund or financial institution, fewer understand that within the framework of Regulation 28 […]

What to Know About How Your Retirement Fund Can Be Invested When it comes to saving for retirement, few investors stop to consider how tightly regulated their retirement funds actually are. One of the key pieces of legislation that shapes how pension funds, provident funds, and retirement annuities can invest is Regulation 28 of the […]

Fables With Financial Wisdom – Part 2 In our previous article, we explored several classic fables that provide timeless financial lessons and wisdom to apply to your financial decisions. These stories help illustrate the importance of saving, investing wisely, and making prudent financial decisions. In this week’s article we will look at a few more […]

Fables With Financial Wisdom – Part 1 Throughout history, fables have been used to teach valuable life lessons. From Aesop’s timeless tales to modern parables, fables and stories have a wonderful way of simplifying complex ideas into memorable narratives. Finance is no different, several fables illustrate important financial concepts in ways that are easy to […]