Find Clarity at the Halfway Mark: Book Your 2026 Mid-Year Financial Health Check
South Africans are operating in a mixed financial environment. Inflation has eased, and improvements in the national budget have helped restore some market confidence. However, everyday costs continue to rise faster than many households can comfortably absorb. Medical aid, healthcare, transport, education, and electricity costs remain under pressure, while high interest rates continue to make […]
Entrepreneurs: Prepare for Risk, Not Just Growth
Many small and medium enterprises (SMEs) are walking a financial tightrope. For business owners already balancing rising costs, late payments, and economic uncertainty, a single unexpected shock can be the difference between keeping the doors open and closing them for good. SMEs account for 91% of formal businesses, employ around 60% of the workforce, and […]
Time Is, Indeed, Money!
How to make time work for your money. It’s often said that time is money, and when it comes to your finances, that’s absolutely true. The principle of the time value of money is simple: money available today is worth more than the same amount in the future, because it has the potential to earn […]
Understanding the Two-Pot Retirement System: Questions and Answers
As of 1 September 2024, significant changes have been introduced to the retirement landscape in South Africa with the implementation of the two-pot retirement system. This system allows members of pension funds, provident funds, and related schemes to access a portion of their savings while still working. With this shift, it is essential to understand […]