You built a portfolio. You picked your ETFs, split between local and offshore, maybe added some bonds or property. Then the markets did what markets do — some parts went up, others went down, and now your neat 60/40 split…
A fixed deposit locks a rate for a term. A money market fund does not. After the rate hikes in 2026, both are paying more than a normal savings account. Which one is better depends on the date you need…
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.
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…
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.…