We know from studying history that entire generations can share a similar money attitude or behaviour due to a major financial event that their generation experienced. What effect, if any, will the Covid pandemic have on this generation? In this...
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The effects of delaying your retirement
What if you could change your retirement by working just one more year? André Wentzel, Head Client Solutions Savings at Sanlam, explains how delaying your retirement by one, three or five years could fundamentally change your savings and enable a...
Relief for struggling restaurants
Soft loans and payment holidays are available for restaurants still battling to survive the pandemic. At the beginning of May, my favourite local coffee shop closed its doors after 20 years of trading. My neighbourhood shopping centre, which caters...
Money and divorce
David Thomson, Senior Legal Adviser at Sanlam Trust, shares some practical tips about the financial side of divorce. The news of Bill and Melinda Gates filing for divorce after 27 years of marriage sent shockwaves through the philanthropic world....
Listen: Your midlife money makeover
In this interview with financial planner Kim Potgieter (@KimPotgieterM3), Maya (@mayaonmoney) discusses Kim’s new book Midlife Money Makeover. The book delves into how our relationship with money and those money stories we grew up with either help...
Competition will cut car ownership costs
Freedom to have your car repaired by a non-dealer will increase competition and reduce the cost of repairing and insuring your car. A couple of years ago when I was buying a second-hand car that didn’t have a service plan, I discovered what a...
Treasury says “no” to pension loan proposal
National Treasury has made it clear that it does not support any calls to allow members to borrow money from their pension funds. This was in response to a Private Member’s Bill to amend the Pension Funds Act. This Bill was put forward by DA MP Dr...
Lack of savings leaves SA vulnerable
A lack of emergency savings left households vulnerable to the economic shock of Covid-19. The last five years have been tough for South African consumers as salaries failed to keep up with inflation, unemployment grew, and debt levels increased....
Tips for a successful used car purchase
Ernest North, co-founder of AI-driven insurtech Naked, looks at some of the steps to follow before committing to a used car purchase. Numbers from TransUnion show that South Africans financed around 79 000 used vehicles in the first three months of...
Four signs that could predict a market crash
Pieter Hundersmarck, fund manager at Flagship Asset Management, wants us to learn from history when it comes to the factors that could trigger a market crash. While the future is unlikely to be an exact repeat of the past, history is full of...
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Beware: fraudsters are everywhere
Ramesh Ramdeen, Head of Fraud at FNB Wealth and Investments and Ashburton Investments outlines some key things to look out for to avoid becoming the victim of fraudsters. Investment and financial fraud is on the rise across the world. Each day thousands of people are...
Listen: Transform your relationship with money
“So many of us are bonded to our idea of wealth even though it isn’t working for us or the planet, because of the very nature of our relationship with money,” says John Sanei (@iamjohnsanei), futures strategist and bestselling author. “We expect money to fulfil our...
Why you should use virtual cards
Virtual cards offer more protection when you’re making purchases – especially online. Angelique Ruzicka finds out how they work. Shopping online has always come with risks, especially when it comes to fraud, but the introduction of virtual bank cards is doing much to...
Removing the rand from the offshore investment equation
Kyle Wales, fund manager at Flagship Asset Management, says that we should consider offshore investment for the right reasons, not simply because we fear rand weakness. Many investors base their decisions to invest offshore purely on their subjective assessment of the...
Habits that set successful investors apart
When investing, sometimes the best course of action is to do nothing. Having the ability to block out the noise, and look through the cycle, are some of the cornerstones to investment success over the long term. Nomi Bodlani, head of strategic markets at Allan Gray,...
Pros and cons of a pension-backed home loan
If you're looking at taking out a home loan, it may be worth enquiring whether you can use your pension fund as a guarantee for the loan. A pension fund is permitted by the Pension Funds Act to lend a member an amount of money for the purposes of purchasing or...
Listen: Why institutions are taking bitcoin seriously
If you want to understand bitcoin, blockchain and the related crypto-asset world, listen as Chris Becker, blockchain technologies specialist at Investec Private Bank, unpacks the world of blockchain technologies and explains why we are just at the start of a...
Move away from exchange control
South Africa is moving from a framework of exchange control to capital-flow management, but what does that mean for the ordinary South African investor? Over the last few years, exchange control for individuals has been incrementally lifted, making it easier for South...
What is a money market fund?
Absa has announced the closure of its 25-year-old Absa Money Market Fund. Saleh Jamodien, Research & Investment Analyst at Glacier by Sanlam, gives a comprehensive overview of what a money market fund is, and suggests some options for investors to consider. The...
Can students truly bank for free?
Angelique Ruzicka takes a look at the bank account offerings for students, as banks try to entice a younger crowd with reduced or zero fees in the hope of bagging a client for life. In March, Absa ditched fees for all of its student cheque accounts. Cowyk Fox,...