Break free like Freddie, with a TFSA

Break free like Freddie, with a TFSA

Do you have tax fatigue? There is relief for savers. A tax-free savings account (TFSA) is exempt from tax on capital gains, interest and dividends. TFSAs were introduced in 2015 to incentivise and encourage household savings. TFSAs are ideal for long-term investors or...
Challenge the conventional financial journey

Challenge the conventional financial journey

Let me borrow and translate a verse from my favourite Afrikaans rock band Fokofpolisiekar’s song, Tygerberg Vliegtuig:“All the instructions they give us. Work, get married and have children. And possibly then suffer from depression. Someone has to ask why. Someone has...
Should I stay, or should I go… ?

Should I stay, or should I go… ?

Lyrics from the Clash’s hit, “…you got to let me know, should I stay or should I go?” rings so true for investors and their money during these unprecedented times, either in pursuit of better returns or to hedge against South African specific risk. A handful of...
Fees… as certain as death and taxes.

Fees… as certain as death and taxes.

Unit trust investments, whether made directly or underlying to another financial product like a living annuity, have one certainty, and that is the impact of the fees that you pay. The rest, like your return or the level of volatility, remains completely uncertain. In...