Latest Article

The “Grey Zone”: It’s Time to Redefine Retirement              

Retirement has long been seen as a binary switch: you worked until 60 or 65, and then shuffled off to live off your pension.
But so much has changed. Economic shifts, increased longevity, and the “fractionalisation” of the workplace have birthed a new era: The “grey zone”. In this article, we explore why it’s time to look at retirement in a completely different way.

Read more
EconomyFinancial PlanningSaving & Investingtax

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…

Read article
Financial PlanningGeneral Interest

COFI: Building A System that Works Better for You

The long-awaited Conduct of Financial Institutions (COFI) Bill is set to be tabled in parliament in the next couple of months.
While FSPs will be scrambling to update their policies and processes during the three-year transition period, consumers can look forward to getting fairer results at every step of the financial journey.
Read on for the lowdown.

Read article
Financial PlanningSaving & Investing

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…

Read article
Financial Planning

From TikTok to Your Wallet: Understanding Social Media Money Trends

“Social media is merely an extension of real life, not a substitution.” (Abhijit Naskar) On social media, anything can go viral. And that includes financial advice. Platforms like TikTok have encouraged the spread of some interesting ideas, including three notable trends: “loud budgeting”, “cash stuffing”, and “no-spend challenges”. At their heart, these all focus on…

Read article
Financial PlanningGeneral Interest

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 aspect of your finances around the braai. It’s to keep your peace and your…

Read article
Financial PlanningSaving & Investing

Are You Financially Fluent or Just Faking It?

All that glisters is not gold.” (William Shakespeare, The Merchant of Venice) 1. Cash ain’t king Let’s cut to the chase: cash is not optimal for long-term investments. While it is the safest asset class, shares, property, and commodities generally produce better long-term returns.  Unit trusts work well in diversifying asset classes. What’s more, cash…

Read article
Financial Planning

Empower Yourself by Understanding These Key Investment Terms

“An investment in knowledge pays the best interest.” (Benjamin Franklin) One of the biggest hurdles for new investors is the jargon. The investment world is filled with acronyms, technical terms, and specialist language that can be intimidating. But this language barrier shouldn’t stop you from asking questions or investing in your future. So, here is…

Read article
Financial PlanningSaving & Investing

AI & Us: A Smarter, Smoother Wealth Journey

“By 2045, we will have multiplied the intelligence, the human biological machine intelligence of our civilization a billion-fold.” (Ray Kurzweil) Imagine that your financial planners (that’s us) possess a superpower: the ability to scan global markets in seconds and identify tax-saving opportunities as the deadline looms. While this may sound futuristic, it’s already a reality.…

Read article