What if You Live Longer Than You Thought You Would? “Aging is an extraordinary process whereby you become the person you always should have been.” (David Bowie) We often think of getting older as getting worse. But more and more, it’s something else: a long period of living well. People today aren’t [...]
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 [...]
This Festive Season, Learn how to Talk About Money With Grace “The biggest problem with communication is the false belief that it has happened.” (George Bernard Shaw) Navigating casual financial conversations isn’t about avoiding the subject altogether. It's about handling it with purpose and grace. The point isn't to pore over every [...]
The Psychology of Generosity “We make a living by what we get, but we make a life by what we give.” - Winston Churchill We often look at numbers when planning our finances: how much do we earn from investments, how much have we saved, and when will we be able to [...]
Do You Need a Second Will for Your Overseas Assets? “Only put off until tomorrow what you are willing to die having left undone.” (Pablo Picasso) If you own assets outside South Africa, you may have wondered: Is my local will enough? This is a question many South Africans are asking, and [...]
How Fit Are You Financially? “He who has health has hope; and he who has hope, has everything.” (Thomas Carlyle) Doing a financial health check can sound like a daunting idea. But it needn’t be. Just checking a few simple things can give you a good idea of whether you’re financially healthy [...]
The US and You: Why What Happens in America Impacts Your Portfolio “The markets are like weather; you may not like it, but you have to bear it.” (Rakesh Jhunjhunwala) South African investors don’t need to follow every twist in American politics or economics, but you can’t ignore them either. The world’s [...]
Understanding South Africa's New 'Two-Pot Retirement System' for Retirement Funds South Africa is set to introduce a significant reform in its retirement funding system with the implementation of the ‘Two-Pot system’. The Two-Pot system aims to address several key issues within the current retirement savings framework by balancing the need for long-term [...]
Persistent Emigration and Tax Misconceptions Many people still have the misconception that if they have obtained an alternative or second residency, they no longer have a South African tax obligation. This is not true. There is no other way to cease South African tax residency than to follow a formal process that [...]
Reconnecting to Reality At times share prices and even broad stock markets can appear unhinged. Wild swings both positive and negative stir investor appetite to invest more, or to run for the hills. For instance, NVIDIA, a very large company making computer processors, has risen 72% so far this year, while Boeing [...]
