An additional percentage point in annual investment fees may seem insignificant, but over a lifetime it can compound into millions in lost retirement savings. Yet many South Africans remain unaware of the fees they are paying to invest and grow...
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From forecasts to probabilities: Why being ‘right’ matters less than being prepared
Investors have long accepted that markets are uncertain. What is becoming increasingly clear, however, is that uncertainty itself is changing – and with it, the way portfolios need to be constructed. Speaking at a recent investment forum,...
South African women are winning at money – and losing sleep over it
Dr Thomas Brennan, CEO and co-founder of Franc, explains how South African women are achieving stronger financial outcomes through disciplined, long-term investing, but at the same time, they lack financial confidence. As someone who founded a...
Should owning a home still be the financial goal?
Property is still a good investment, but not for the reasons many South Africans think. For generations, South Africans have been told that owning a home is the ultimate wealth-building strategy. It's advice that has become almost financial gospel:...
South Africa is looking up – should you bring your money home?
Local markets are giving investors reasons for optimism, but that doesn’t mean you should cash in all your offshore chips, says Johan Minnie, CEO of Consult by Momentum South Africa is having a moment. After years of worrying about everything that...
Maximising new tax benefits to boost long-term investment outcomes
Shaun Duddy, head of Product Development at Allan Gray, explains how investing earlier, along with tax relief over time, can meaningfully improve long-term investment outcomes. You may have seen the good news in the 2026 Budget that you can now...
End June deadline: beat the tax shock on your Section 12J exit
By the end of June this year, every Section 12J investment in the country will reach its mandatory five-year maturity, triggering a capital gains tax (CGT) liability for the many investors who participated. Section 12J was a government tax...
Unlocking financial freedom with a debit order
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...
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...
Previous Articles
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 panic. Despite the...
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...
The real risk isn’t a recession, it’s how you react to it
PSG Wealth’s Adriaan Pask says that investors should use mental models to find stillness amid volatility. With gold reaching all-time highs, the JSE All-Share Index making massive gains, US fiscal concerns and continued geopolitical uncertainty, there doesn’t seem to...
Three concerns for investors to watch in an uncertain world
Adriaan Pask, CIO at PSG Wealth, considers the major areas of concern in a volatile global investment landscape – and how investors should approach them. With global economic shifts unfolding rapidly, investors often find it difficult to distinguish what truly matters...
Are optimists better investors?
Adriaan Pask, CIO at PSG Wealth, looks at research that investigates how optimists – those who tend to hold positive expectations about the future – make better decisions that improve their financial outcomes. An optimist is defined as someone who tends to be hopeful...
Money Bootcamp: Building wealth through smart investing
In today’s financial landscape, the gap between those who build substantial wealth and those who struggle financially often comes down to one critical factor: understanding the power of compound growth and making informed investment decisions. This was the focus of...
Navigating market speculation
Adriaan Pask, Chief Investment Officer at PSG Wealth, explains how investors can strategise for consistent and thoughtful investments. Twenty-four-hour trading apps, viral stock tips and a growing menu of leveraged exchange-traded products have created the most...
Investing and fatherhood
Siyabulela Nomoyi, Quantitative Portfolio Manager at Satrix, explains how fatherhood has influenced his investing decisions. Fatherhood reshaped my perspective on investing. I have a toddler discovering the world, a nine-year-old full of questions, and a teenager...
In times of crisis, it’s worth taking a step back
The last few weeks have been a rollercoaster ride as Trump’s policy decisions have given new meaning to uncertainty! The markets have not experienced this level of volatility since 9/11. With tariffs on and then off again, no one is predicting anything, as honestly,...
Simplifying the investment process
One of the most common question I receive is, "Where do I start investing?" With this in mind, I recently interviewed Adrian Hope-Bailie, founder of Fynbos Money, about this new investment platform, and how he aims to simplify the investment process for people who...