A Couple’s Guide to Managing Your Finances

Seven simple tips for positively managing your finances together with your partner. The subject of ‘finances’ may seem as though it’s the antithesis of romance, since we all know that financial problems can act to the detriment of relationships However, working to manage your finances effectively together is often vital to building and maintaining a […]

When to Re-Evaluate Your Investment

Market turmoil is not the signal to adjust your investment strategy. When markets are volatile, investors would be forgiven for wanting to make portfolio changes as a way of trying to stay in control. However, we would caution against altering your investment strategy or its execution—unless it was incorrect at the outset, or your personal […]

The Dangers of Single-Spouse Financial Planning

The ability of families and retired couples to plan effectively to protect their financial future can be hampered when just one person is entirely responsible for all financial matters. Our team routinely consults with clients who are surprised—or even bewildered—when they find themselves to be the surviving spouse following a partner’s death. Particularly with the […]

Build Your Emergency Safety Net Fund Today

Ask any trapeze artist, and they’ll tell you that a safety net is a non-negotiable part of flying high. While few of us are circus performers, an emergency savings fund is still one of the most important requirements for our peace of mind and financial stability. Life has a way of throwing curveballs.  Whether it’s […]

Struggling to Make Ends Meet at Varsity?

South African universities recently opened for the first term of the year—but for many students, money worries have overshadowed the excitement of returning to campus. Education costs typically increase at a higher rate than general inflation, and affordability is a major issue for most students. The average cost of a South African university education could […]

Why Honesty Is the Best Policy When Dealing with Your Financial Advisor

The foundation of any relationship with a financial advisor is built on trust and transparency. Clients are expected to share intimate details about their financial lives, similar to how one would discuss health issues with a doctor. This level of openness ensures that advisors can provide tailored advice that accurately reflects the client’s financial health […]

Essential Financial Lessons Every Parent Should Pass Down

It’s true; financial literacy is as crucial as academic education, and many of us find ourselves reflecting on the lessons we wish were imparted by our parents. Growing up in South Africa, where economic challenges and opportunities coexist, understanding money management from an early age could have set a solid foundation for personal financial success. […]

Avoid unnecessary costs abroad: Say no to dynamic currency conversion

Although exchange rates can make traveling abroad expensive, it’s possible to minimise extra costs for the sake of convenience. A significant aspect of travel is the excitement of exploring the unfamiliar, such as a new environment, customs, or food. However, when making payments overseas, many people prefer using their domestic currency to feel more at […]

Smart budgeting tips to make the most of your income

Have you ever found yourself puzzled by your bank statement, wondering where all your money went? Those daily coffees and occasional treats can add up faster than you think. The good news is that you can regain control of your finances and start living within your means. It’s not just about creating a budget; it’s […]

Avoid the long-term implications of skipping a bond repayment

Are you feeling the financial pinch? You’re not alone. Many South Africans are finding it increasingly difficult to meet their credit obligations. The cost of living is on the rise, disposable incomes are shrinking, and servicing debt has become a significant challenge. Homeowners are feeling the strain too, with financial institutions noting a surge in […]