Tracking Your Net Worth: A Simple Guide
Your net worth is the single best measure of your overall financial health. It is not your salary. It is not your car. It is simple math: what you own minus what you owe.
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Pension Fund vs Provident Fund vs Retirement Annuity: What’s the Difference?
Ask the average South African what retirement fund they belong to, and you’ll get a shrug. Most of us contribute to something every month — a pension fund, a provident fund, a retirement annuity, or some combination — but very…
Emergency Fund vs Investing
A question that came up in an investment community group: Hey guys, I’ve been on the platform for the past 3 months, putting aside R600 via debit order into 3 ETFs. In this last month, I also opened a TFSA…
Best Money Market Funds in South Africa (2026)
With the SARB repo rate at 7.00% (hiked in May 2026), South African money market funds are yielding around 7% — well above inflation and significantly more than a typical bank savings account pays. If you’re holding cash for an…
Car Finance Explained: Balloon Payments, Residuals, and Hidden Costs
That R450,000 SUV the dealer said you can afford for “only R6,600 a month” sounds like a deal. It is not. By the time you make the final payment, you will have spent over R600,000 — and you’ll still owe…