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Category: Saving & Investing

Long Term Investment Solutions

The Ultimate Gift: Maximising Your Child’s TFSA from Day One

They say that nothing comes for free, but for South African investors there is an exception. Tax-free savings accounts give investors tax-free growth on their money, making them a powerful wealth creation tool.
They are most powerful when they are given time to work their compounding magic. In this article, we examine just how incredible the results can be if you open one for a child the day they are born.

Why South Africans Are Better Investors Than We Think

With all the turmoil in South Africa, you could be forgiven for thinking it’s not the best place to be an investor.
On the contrary, the qualities developed here often translate remarkably well into investing. South Africans tend to think practically. We are adaptable, emotionally resilient and generally capable of functioning through changing circumstances without completely losing momentum. Read on to feel good about yourself.

Markets Are Easy to Access. Wisdom Isn’t

Advances in technology have opened financial markets up to anyone who owns a smartphone. But easy access does not necessarily translate to stellar investment outcomes.
While online platforms have made investing easier than ever, long-term success still depends on discipline, structure, and avoiding costly mistakes. Much of the value financial advisors add comes from helping investors stay focused on long-term goals.

Higher-for-Longer: Navigating Inflation, Interest Rate Uncertainty

The uncomfortable reality is starting to sink in. Interest rates are going higher, not lower as expected earlier this year, and that the era of cheap money is not returning any time soon.
As Warren Buffett has pointed out, the government can’t print oil. That means investors need to consider how inflation may affect their portfolios, without panicking.

Climbing a “Wall of Worry” on an Unstable Footing

Global markets are currently climbing a classic “wall of worry”, stubbornly rising against a persistent backdrop of uncertainty.
However, this rally is increasingly viewed as fragile, driven more by positioning and narrative than by a fundamental assessment of the real risks arising out of the Iran war.

Snakes and Ladders: Managing Your Money in a World That’s Lost the Rulebook

What could a childhood board game possibly have to do with investment advice? Quite a lot, it turns out.
Uncertainty has always been a feature of human history. But in recent years, the volatility has ramped up several notches. Change is everywhere, it seems, and there’s always a fresh crisis around the corner. But amid all the turmoil there is also opportunity. You just have to be prepared to land on a few snakes…

Budget 2026: What it Means for You and Your Investments

Good news at last. Budget 2026 wasn’t just delivered on time, it also contained plenty to make South African investors smile.

It provides relief for taxpayers, assists small businesses and – very importantly – encourages savings by adjusting various tax brackets, caps and limits.

There is also real optimism about the country’s economic growth prospects. So much so that Budget 2026 has been called a fiscal turning point for SA, as important milestones are achieved. Read more good news from the Budget here…

Your Year-End Tax Checklist: Smart Moves Before 28 February

“The avoidance of taxes is the only intellectual pursuit that still carries any reward. (John Maynard Keynes) 1. Boost your retirement savings Contributing to a Retirement Annuity (RA) before 28 February can reduce your taxable income and grow your long-term wealth. If you haven’t maximised your annual tax deduction for contributions to retirement funds, this…
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The Most Important Financial Concept Is …

“The power of compounding reflects the principle that small, consistent improvements yield disproportionately large results over time.” (Morgan Housel) In his book The Psychology of Money, Morgan Housel makes a great observation about Warren Buffett: more than 97% of Buffett’s wealth was accumulated after his 65th birthday.  This isn’t a point about Buffett’s ability to…
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Market Update: Our Survival Guide for Investors in 2026

January offered investors an early stress test for 2026. A rapid succession of geopolitical shocks, policy surprises, and market reversals left portfolios swinging sharply between risk-on and risk-off. Far from an anomaly, this turbulent start may well be a preview of the year ahead: expect policy uncertainty, geopolitical noise, and abrupt shifts in market leadership.…
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