Insights
Financial Perspectives
Short takes on markets, money, and the financial decisions that matter. For in-depth topics, see the Guides.
What Is Income Protection and Do You Need It?
Your ability to earn an income is your most valuable financial asset. Income protection ensures that a disability or illness does not wipe it out.
The Tax-Free Savings Account: South Africa's Most Underused Wealth Tool
Every South African adult can invest R36 000 per year completely tax-free. Very few are using this correctly — or at all.
Estate Planning: Why a Will Is Not Enough
A will is the starting point, not the finish line. Without the right structures, your estate could take years to wind up — and cost far more than necessary.
Understanding Retirement Annuities in South Africa
An RA is one of the most tax-efficient savings vehicles available to South Africans. Here is what you need to know before you invest.
Life Insurance Is Not Just for the Wealthy
Many South Africans delay getting life cover because they think it is unaffordable. The real risk is going without it.
The Power of Starting Early: How Compound Growth Works
Time is the most powerful variable in building wealth. Starting five years earlier can be worth more than doubling your contributions.