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“The measure of intelligence is the ability to change.” (Albert Einstein) Change can be uncomfortable and often we humans love to avoid it. In business, however, being brave enough to embrace change could be the difference between going under or thriving. All business...
When the final note is played, debts become a part of the legacy shared. (Anonymous) Debt’s journey Unfortunately, your debts don’t evaporate when you pass away. But there is a silver lining as they don’t typically hitch a ride to your family either – unless they’re...
"Too much of a good thing can be bad. After all, you can drown even in clear, clean, pure water." (J. Grant Howard) While long-term insurance is important in any financial plan, you may unknowingly be paying for more cover than you need. This is particularly possible...
Since returning to office in January 2025, President Donald Trump has implemented a sweeping series of tariff measures – the latest of which is a 30% tariff on South African exports to the US. These decisions have sent shockwaves throughout the global economy and...
"The beauty of debit orders is that they make investing a habit, not an afterthought." (Warren Buffett) We’re all human – which often means being emotional and not consistently disciplined. Debit orders remove the emotion from investing and encourage responsible...
“Our greatest motivation in life comes from not knowing the future.” (Thomas Frey) Investing is an exercise in uncertainty. When you make any investment, you are taking a bet on the future. This can be a hard thing to do. Markets move up and down, economies shift, and...
“I'll tax the street, I'll tax your seat, I'll tax the heat, I'll tax your feet.” (Adapted from Taxman by The Beatles) 1. Why do I have to pay CGT in the first place? Following a worldwide trend, South African authorities introduced CGT in 2001 to broaden the tax...
RAs: The big one Retirement Annuities (RAs) offer significant tax breaks as contributions to the investments are tax-deductible, and the growth within the funds is tax-free. You can contribute a maximum of 27.5% of your taxable income to retirement funding each...
“Focussing is about saying no.” (Steve Jobs) What is the point of investing? In simple terms, there are only two reasons to invest: To save for a specific goal like sending a child to university or taking a holiday. These are finite targets with clear time frames. To...
“A life of luxury sounds nice, but generational wealth sounds better.” (Unknown) As the old adage goes: “The first generation creates wealth, the second generation preserves wealth, and the third generation squanders it!” Our goal is to prevent this. If you’re...