Gold is often treated as the ultimate crisis hedge. Yet in practice it does not always behave that way. Earlier in my career I traded gold at the South African

The two-pot system is designed to give South Africans access to a limited lump sum from their retirement savings once a year, to help tide them over financial emergencies. It

In past decades, the stock market was mainly the playground for people in their late adulthood. It was largely limited to affluent, high net worth individuals due to barriers imposed

The first quarter of the year is often one of the most financially challenging periods for South African businesses. After absorbing year-end expenses, navigating delayed customer payments and contending with

Increases across more than 80 plans compared … Discovery Health Medical Scheme (DHMS) contributions will increase for 2026 from April, following a decision by the scheme in October to defer these for

Having managed money together for decades we have lost count of the number of times we convinced ourselves of being sensible when, in truth, we were just uneasy. We have

High-Wealth Individuals (HWIs), defined by the South African Revenue Service (SARS) as individuals with gross assets of R75 million or more, play a significant role in South Africa’s tax base.

There are few generations who understand the power of the side hustle more than today’s youth. But there’s also no generation that values investment as the ultimate side hustle quite

The gold price reached 45 new all-time highs during 2025, and the 65% price gain in the year dwarfed anything experienced in the 2000s bull market. In the modern era

Finance Minister Enoch Godongwana delivered the 2026 Budget on Wednesday, February 26. The 2026 Budget signals a turning point in fiscal stability. Debt is stabilising, no broad tax hikes were introduced, and

The PayInet Net Salary Index rose in January, with PayInc optimistic about real wage increases for workers in South Africa. The index tracks the nominal net salaries of an estimated

Set and forget” portfolios are quietly eroding long-term returns. Multiple global studies show that the average investor consistently underperforms the market by 3-5 percentage points each year – not because