Practical workshops, planning tools, and long-term guidance designed for South Africans who want to build real wealth — starting today.
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A selection of upcoming initiatives designed to improve how we deliver financial guidance and support.
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Read moreYou’ve learned the basics. Now put a real plan in place with a workshop designed around your income, your goals, and the South African financial landscape.
Book a free consultationPractical outcomes that change how you manage your money, step by step.
Stop guessing where your salary goes. You’ll leave with a spending plan built around your actual expenses and goals, not a generic template.
Understand which accounts and tools work best for your situation — from TFSAs to emergency funds — so your money starts working for you.
Learn how to begin investing with small amounts using ETFs, fractional shares, and low-cost platforms. No jargon, no pressure.
Get a realistic repayment strategy that prioritises high-interest debt first and shows you exactly how much you’ll save in interest over time.
Identify the insurance gaps you didn’t know you had — life cover, disability, and income protection — without being sold a policy.
Walk away with a personalised plan that connects your short-term decisions to your retirement and property goals, reviewed every year.
The 50/30/20 rule splits your after-tax income into three categories: 50% for needs like rent and groceries, 30% for wants like dining out or hobbies, and 20% for savings or debt repayment. In South Africa, you can track these categories using your banking app or a simple spreadsheet. Adjust the percentages based on your actual expenses—if your rent takes up 60%, reduce the wants category accordingly.
The annual contribution limit for a TFSA is R36,000, and the lifetime limit is R500,000. Any amount you contribute above the annual limit is subject to a 40% tax penalty. You can hold cash, ETFs, or unit trusts inside the account, and all returns—interest, dividends, and capital gains—are tax-free.
Yes. Several platforms in South Africa allow micro-investing with as little as R100. You can buy fractional shares of companies or invest in ETFs through apps like EasyEquities or Sygnia. The key is to start small, choose a diversified fund, and reinvest your dividends to grow your portfolio over time.
A retirement annuity (RA) offers a tax deduction on contributions but locks your money until age 55, and you must use at least two-thirds of the fund to buy a pension. A TFSA has no tax deduction on contributions, but you can withdraw your money at any time without penalty (though you cannot replace the withdrawn amount). For long-term retirement savings, an RA may be more tax-efficient; for flexible savings, a TFSA works better.
Look for a certified financial planner (CFP) registered with the Financial Sector Conduct Authority (FSCA). Ask about their fee structure—fee-only advisors charge a flat rate or hourly fee, while commission-based advisors earn from product sales. Check their track record, read client reviews, and ensure they specialise in your needs, such as retirement planning or debt management.
Start by calculating your average monthly income over the past six months. Build a buffer fund equal to one month of essential expenses. During high-earning months, save the surplus in this buffer; during low-earning months, draw from it. Use a separate savings account for taxes if you are self-employed, and set aside 25–30% of each payment for SARS.