MSCI World ETFs for South Africans
MSCI World is one index. The Satrix, Sygnia and 1nvest funds that use the name do not cost the same, and several world ETFs track a different index.
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The Cheapest Retirement Annuities in South Africa
The cheapest retirement annuity is the one with the lowest all-in fee on the fund you were going to buy anyway. It is not the provider with the best advert, and it is not automatically the name people say is…
Dividends Tax, Interest, and Capital Gains Tax (CGT) in South Africa
Three taxes hit a normal investment account in South Africa. Dividends tax takes 20% before a dividend reaches you. Interest above a small exemption is taxed at your marginal rate. Capital gains tax (CGT) takes a slice when you sell.…
Are You Saving Enough? A Quick Check for South Africans
Most South Africans think they are saving enough. Most are wrong. Household saving in South Africa has sat close to zero for years — and has often been negative. That is not a typo. As a country, we spend roughly…
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.