Life has a way of throwing curveballs when you least expect them. A car breaks down on the way to an important meeting. A geyser bursts and floods your kitchen. Or worse—you lose your job in tightening economic times. Without…
When markets tumble and headlines scream about crashes, most investors panic. They sell at the worst possible time or freeze with indecision. But what if I told you that market downturns offer legitimate opportunities for moderate-risk investors to build wealth?…
Retirement investing doesn’t need to be complicated. While financial advisors promote elaborate strategies with dozens of funds, the most effective approach for most South African investors requires just three JSE-listed ETFs. Welcome to the three-fund portfolio – a simple, powerful…
When most South African investors think about growing their wealth, they immediately jump to equities – the Top 40, international stock markets, or dividend-paying shares. While equities certainly deserve a place in most portfolios, there’s another asset class that often…
If you’re self-employed, a freelancer, or simply want to boost your retirement savings beyond your employer’s pension fund, you’ve probably heard about Retirement Annuities (RAs). But between the tax jargon, Regulation 28 restrictions, and various fund options, RAs can seem…