Where to keep your savings, by when you will need the money
The date you need it decides the product, not the interest rate. Why R100,000 left alone for ten years buys R65,000 worth of things.
Investing Basics
Interest rates, tax-free savings and building wealth safely.
Tax-free savings accounts: the rules, and the mistake most people make
R46,000 a year, R500,000 for life, no tax on growth. Why withdrawals do not restore your allowance, and why holding it in cash wastes it.
Compound interest: why starting small beats starting later
Why ten years of delay costs R1.4 million, why the minimum payment keeps you in debt for a decade, and why the first ten years feel like nothing is happening.