10X Investments 27Four Abacus Life Abax ABSA Life Alex Forbes Allan Gray Apex Group Argon Asset Management Ashburton Investments AVBOB Bateleur Capital Bidvest Life Boutique Collective Investments BrightRock Bryte Life Cadiz Camissa Asset Management Capitec Life Catalyst Fund Managers Centriq Ci Collective Citadel Coronation Discovery EasyPay Insurance Fairtree Fedgroup FirstRand Investment FirstRand Life Assurance FNZ Foord SA GenRe Granate GTC H4 Investments Hannover Re Hollard Life Just SA Khumo Capital King Price Laurium Capital Liberty Holdings M&G Investments Matrix Fund Managers Mazi Asset Management Mergence Momentum Group Munich Re Nedbank Wealth NewFunds Capital Ninety One Novare Oasis OIG Invest Old Mutual Outsurance Life Insurance Peregrine Perpetua Personal Trust PPS Prescient Prime Financial Services Prowess Investments PSG Rezco RGA Re RMA Life SA-H2 Africa Sanlam Sasfin Asset Management SCOR Swiss Re Sygnia Taquanta TBI Terebinth Capital TriAlpha Truffle Vodacom Life Vunani Workerslife

Home

Tough financial times?

Wish you could keep ahead of your expenses

Find out how to keep your cash flow positive

Thinking of withdrawing from your retirement savings pot?

Be sure you understand the tax you will pay

Watch: Tax and your savings pot withdrawal

Featured Items

Financial planning

May 14, 26

The electric car you think you can’t afford might actually cost you less

Think electric cars are out of your price range? With big fuel price hikes and new, more affordable electric vehicles, it may be time for a rethink. The sticker price of a car is not your only cost – you also need to give some thought to your running and maintenance costs, especially if you can charge using solar power at home.

Investments

May 13, 26

Why saving feels harder than ever

Are you struggling to save despite your best intentions? Rising costs have made saving feel tougher than ever. Knowing the hidden challenges behind your dwindling resolve to save can help you turn things around. Read on if you are ready to make sense of your finances and start saving for a brighter future.

Learn

What is household contents insurance?

Insurance can seem unimportant until life takes an unexpected turn and it matters most. For this reason you should understand how household contents insurance works, how it differs from building cover and how to value your belongings accurately and avoid the risk of underinsurance.

Financial planning

May 05, 26

Don’t let past decisions trap your future wealth

Psychological traps can cause us to stick with financial choices that do not serve us. This results in us continuing to invest time, money or effort in projects, investments, or services because we have already committed resources, even when it no longer makes financial sense.

Learn

What should I know before signing surety?

When you sign surety for a person or business, you agree to be accountable for the debt if they default. This offers a creditor peace of mind, but it places a huge burden of responsibility on you.

Good financial habits

Apr 24, 26

Naming the money traumas shaping South African lives

Many South Africans know what they should be doing with their money but are constantly pulled back by something invisible - the financial wounds we don't talk about.

Life planning

Apr 24, 26

How to make inheritances for overseas heirs simple, fast and tax smart

If your adult children live abroad, ensuring your estate is set up efficiently can spare them unnecessary stress and delays after your passing. Take steps now to understand what is required to transfer inheritances overseas and what both you and your children need to do to ensure your estate is wound up quickly and tax efficiently.

Learn

How can retirement savings be split on divorce after retirement?

Splitting retirement savings on divorce is trickier if one spouse has already retired and used their savings to obtain a pension. The key is how the pension was secured.

Life planning

Apr 21, 26

Umbrella trusts, beneficiary funds can help with the care of elderly dependants

Caring for elderly dependants, especially those living with dementia, is challenging. Doing so while raising children or living in another country is particularly difficult. Umbrella trusts and beneficiary funds are two vehicles that can be used to ease the problems that come with financial needs and incapacity.

Financial planning

Apr 16, 26

What I wish I had known before my first payday

If you learn six basic lessons before you even earn your first pay cheque, you can build a strong foundation for your financial future. Most people learn these lessons later in life but the earlier you learn them the greater the benefits you can harness.

Tools and Calculators

Show All

Financial health check

Have you taken charge of your financial situation or do you tend to stick your head in the sand when it comes to managing your money?

Try it now

Debt repayment calculator

Find out how much interest – and how many months of repayments - you could save on your debt if you pay off a little extra every month.

Try it now

Budget planner

Allocate your income wisely to cover all your living costs, insurance and contributions to your savings.

Try it now

Savings goal calculator

Work out how much you need to save to achieve your goals.

Try it now

How much will my savings grow calculator

Work out how much your current savings will amount to with the help of compound interest over time.

Try it now

Fund classification tool

Look up how your fund can invest or how funds in a category can invest.

Try it now

Tax deductible retirement fund contributions calculator

Work out how much more you can contribute to your retirement fund in order to save on tax.

Try it now

Living annuity drawdown calculator

Use this calculator to test if your savings invested in a living annuity will support the income or drawdown rate you want in retirement.

Try it now

Retirement Annuity Calculator

Use this calculator to work out what your retirement savings will be worth by the time you retire and estimate how long those savings will be able to provide the pension you want in retirement.

Try it now

Educational Topics

A good financial footing

Becoming adult is all about being able to make your own choices. And that includes making choices about your money - ones that will ensure you set off to climb to the peak on a good financial footing.

Settling down

When you decide it is time to set up your home and work life on a more permanent basis in one place, possibly with a life partner, it is likely to be the time you start incurring some big costs. A little planning can help with big expenses.

Mid-life

As you become more settled in your mid-working life years, your financial affairs can get more complicated. You may have a growing family, you may find yourself single with children. Where ever you are in life, some basic financial principles apply.

Later working years

Your later working years could be time of stability, good earnings and an empty nest. Or it could be a time of juggling support for elderly parents as well older children. This is the time of life characterised by setbacks such as retrenchment, divorce or serious illness. Whatever this life stage brings, it is time to focus on paying down debt and saving hard for a time when you may no longer wish to work.

Getting financial advice

Financial advice can be worth every cent if you find a suitably qualified adviser who has your best interests at heart. Advice is regulated, so there should be more competent advisers out there, but you need to do your own due diligence before you can hire the right person.

Estate planning

Making a will, setting up a trust for minor children, ensuring your estate pays the least estate duty – every one can benefit from some estate planning.