In my latest podcast, I caught up with Adrian Hope-Bailie, the founder of Fynbos Money, to discuss their new products, which include retirement annuities and family accounts. I must be honest: I am a fan of what Fynbos Money is doing, because...
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Cash in a lower-rate cycle: safe haven or silent risk?
Zander Loots, financial adviser at Alexforbes, warns investors about the risk of holding too much cash as interest rates trend lower. Cash offers comfort. It doesn’t fluctuate, it’s easy to access, and the balance doesn’t move when markets wobble....
What smart investors do when markets dip
With the Middle East conflict rattling global markets, Consult by Momentum CEO Johan Minnie explains why your best strategy right now is staying calm, staying invested, and diversifying smartly. You probably got a fright if you opened your...
Understand how much capital gains tax you must pay when selling your home
Robyn Kymdell, admitted attorney at Foreign Buyer Property Solutions, delves into the minutiae that need to be considered when determining how much capital gains tax needs to be paid on the sale of one’s primary residence. In his 2026 Budget...
Same car but very different insurance premiums?
Why is it that two South Africans can insure the same make and model of car and still end up paying very different monthly premiums – sometimes by hundreds of rands? The reason is that insurers don’t only quote based on the vehicle itself. They...
A buyer’s and seller’s guide to the five Certificates of Compliance
When selling your home, one of the less frequently discussed (but important) considerations is the need for several Certificates of Compliance (CoCs). These CoCs are required prior to the official transfer of a home, as proof that some of the...
Cabinet approves new visa and citizenship policies
Cabinet has approved the Revised White Paper on Citizenship, Immigration and Refugee Protection (CIRP), marking one of the most complex and consequential governance undertakings of South Africa’s democratic era. The policy is a significant move...
You can now use WhatsApp to check if you have unclaimed dividends
As we move into the second quarter of 2026, it’s a great moment to pause and reflect on the progress made on the goals that were set at the start of the year: review budgets, make adjustments where needed, and look for practical wins such as...
Navigating market turbulence: Why $100 oil isn’t the crisis it used to be
While the war in the Middle East is devastating lives and will have lasting geopolitical consequences, market commentators do not believe that the high oil prices will have a negative impact on markets. They do believe that now is not the time to...
Know your retirement income options
When you reach retirement age, hopefully you have accumulated enough money to live off. But that’s only half of the job done. You also need to understand how best to use that money in order to generate an income for the rest of your life. There are...
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A foreign buyer’s guide to securing a mortgage in South Africa
Michelle Phillips, Senior Attorney: Exchange Control & SARS Engagement at Tax Consulting SA, breaks down the sometimes confusing rules that govern the amount that banks are allowed to lend to a foreigner who wants to buy a property in South Africa. As an...
What to do if you’re turned down for a home loan
Gavin Lomberg, CEO of ooba Home Loans, has some practical advice if you find yourself turned down for a home loan. Contrary to popular belief, a rejected home loan application does not necessarily signal the ‘end of the road’ on your homebuying journey. Although an...
Tackle the one financial stress that weighs you down
Atlas Finance Director, Brett Caminsky, has a three-step plan to help you win on your financial journey in 2026. Every January, South Africans make familiar promises: “I’ll save more,” “I’ll budget properly,” “I’ll get my finances under control.” But by March, life...
Six ways couples can manage their money – which one is right for you?
Money doesn’t have to be a trigger in your relationship if you both get on the same page with how to plan, manage and share it, says Johan Werth, Franchise Principal and Financial Planner at Consult by Momentum. How couples organise their finances is one of the most...
Why a balanced budget matters to all South Africans
At the Momentum post-budget breakfast, Momentum Securities CEO Steven Schultz said something that perfectly captures why the debate around our national budget should matter to every South African – not just economists and policy wonks. Schultz said: “The national...
The first person you should tell when you’re terminally ill
Greg Bradfield, Wealth Manager at Alexforbes, explains what you should do to prevent financial chaos if you should receive a terminal diagnosis. Most financial plans are built on hope – hope for long lives and long retirements, that children will grow up and become...
Great news for savers and SMEs, but don’t be fooled by inflation adjustments
There was a lot of good news in the 2026 Budget Speech for investors and savers, but our personal income taxes remain higher than they should be. Ahead of today’s Budget Speech, I was expecting changes to the tax limits and thresholds for our investments, but I was...
What South Africans refuse to cut from their household budgets
As Finance Minister Enoch Godongwana prepares to deliver the National Budget 2026 on 25 February, most South Africans aren’t thinking about trillions of rand, tax forecasts, or GDP growth. They’re thinking about school fees, rent and whether there’s enough left over...
Don’t sleep on your R40 000 capital gains tax exemption
I wrote about my son's ordeal with SARS, where he started to receive final letters of demand – despite being a student, for my News24 column. That situation taught us a lesson I want to share with you now, especially with the tax year-end deadline of 28 February...
Retirement planning: Why the tax benefits matter – and why they are not enough
Adriaan Pask, CIO at PSG Wealth, explains how true financial security requires disciplined investing, mindful spending, awareness of behavioural biases, and a realistic assessment of your long-term income needs. As we approach tax year-end, many South Africans will be...