Practical money guides for South Africans
FinDude 
How to Invest in Gold in South Africa Complete guide for South African residents Last updated: December 2025 Quick Facts 1oz Krugerrand costs approximately R63,000-R80,000 in December 2025 Krugerrands are VAT-free (0% VAT) Gold protects against inflation and rand weakness Only buy from licensed dealers registered with SARB Never pay upfront fees for investment advice … Read more
Smart Retirement Strategies for South African Educators Complete guide for teachers planning a secure retirement Last updated: December 2024 Quick Facts for Teachers GEPF retirement age stays at 60 for current retirees You contribute 7.5% of salary, employer adds 13% Pension increases with inflation every year GEPF is 119% funded and financially secure Never pay … Read more
Understanding How Capitec Savings Account Interest Works Complete guide for South African savers Last updated: December 2025 Quick Facts Interest rates range from 2% to 6% based on balance Interest calculated daily, paid monthly into account No monthly fees on savings plans R30 minimum balance required Access Anytime account gives instant access to money Table … Read more
Understanding SARS Foreign Employment Income Exemption Complete guide for South African residents working abroad Last updated: November 2025 Quick Facts First R1.25 million of foreign income is tax-free Must work outside SA for 183 days per year Need 60 continuous days outside SA Only for employees, not self-employed Must still declare all foreign income to … Read more
Day trading can be exhilarating. It’s a fast-paced world where your next trade could lead to impressive gains, or unexpected losses. However, alongside the thrill of trading comes a pressing question: how will these activities be taxed? For South African day traders, the choice between trading as an individual or through a company can significantly … Read more
Understanding the Path Out of Debt Review in South Africa Complete guide for South African residents seeking financial freedom Last updated: December 2025 Quick Facts Clearance certificate costs around R3,000 Credit bureaus update within 20 business days Only NCR-registered debt counsellors can issue clearance You must settle all short-term debts first Free debt review removal … Read more
When it comes to using a credit card, many South Africans want to know how to get the most out of their spending. With grocery and petrol prices rising, finding a card that offers good rewards and cash back can feel like a quest for buried treasure. If you and your partner are planning to … Read more
South Africa’s financial landscape continues to evolve with the advent of digital banking options, one of which is TymeBank. A recent Reddit post highlights the experiences of a new TymeBank account holder, shedding light on some interesting features and quirks of the platform. Opening a TymeBank account presents account holders with the opportunity to enjoy … Read more
Maximizing Tax Savings Through Retirement Annuity (RA) Contributions How to reduce your SARS tax bill while saving for retirement Last updated: December 2025 Quick Facts Save up to 27.5% of your income from SARS tax Maximum deduction is R350,000 per year Your RA investment grows tax-free Get a SARS tax refund when you contribute First … Read more
Understanding Rental Deposit Interest for Tenants. A practical guide for South Africans with everything you need to know.