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According to the US Bureau of Labor Statistics, the average person stays in a job less than four years. Most people will switch employers multiple times. This might mean you have more opportunities to boost your salary and career prospects, but it also means you’re triggering many decisions about what to do with your retirement savings. Let’s look at how the “two-pot” retirement system has changed resignation rules for fund members, and break down your options when mov...

After years of market turbulence followed by surprisingly resilient recoveries, many investors are asking an unexpected question: “Am I being too cautious?”  Let’s look at how recent experience shapes our perception of risk, why discipline still matters, and the role thoughtful financial advice plays in keeping emotions from driving investment decisions.For a long time, a second income was a nice-to-have: a “side hustle” that brought in some extra spending mo...

Earning a first paycheck is a big step in anyone’s life. The value of that money in your bank account goes well beyond just the financial. It’s a significant psychological shift. It is a moment of great opportunity, but also one fraught with challenges. In this article we look at how to navigate your first salary and to optimise it for your future like a seasoned financial architect.  We all know investing is about building wealth over time. By saving consistently and inv...

They say that nothing comes for free, but for South African investors there is an exception. Tax-free savings accounts give investors tax-free growth on their money, making them a powerful wealth creation tool. They are most powerful when they are given time to work their compounding magic. In this article, we examine just how incredible the results can be if you open one for a child the day they are born.With all the turmoil in South Africa, you could be forgiven for thinking it’s not t...

We spend our whole lives planning for retirement. While nurturing our nest egg, we worry about short-term risks. Things like wars, elections, interest rates, leaking roofs and tax breaks. But how many of us stop to consider the prospect of living to 90 or 100? People are living longer than ever before. But most of us don’t pay enough attention to longevity when planning for retirement. Read on for some tips on how to have a long and happy retirement.Global markets are currently climbing ...