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…
If you own cryptocurrency but it’s just sitting in your wallet doing nothing, you’re missing out on potential passive income. Crypto staking is the digital equivalent of earning dividends on your shares – but instead of quarterly payouts, you can…
You’ve just received a bonus, an inheritance, or sold an asset. Now you’re sitting with R100,000 (or more) and facing a critical decision: should you invest it all immediately, or spread it out over several months? This is the dollar-cost…