Practical money guides for South Africans
Getting started with investing in South Africa. Covers the JSE, ETFs, EasyEquities, Sygnia, unit trusts, and cryptocurrency.
In short: If you pay income tax and will not need the money before retirement, a retirement annuity (RA) usually gives your next R1,000 the biggest boost, because SARS gives you back tax at your marginal rate. If you want access to the money, or you pay little or no tax, a tax-free savings account … Read more
The two-pot retirement system explained. How it works, how to access your savings pot, tax implications, and whether you should withdraw. Complete SA guide for 2026.
Capitec savings account interest rates for 2026. Compare Global One rates, fixed deposits, and tax-free savings. Calculate how much your money will grow.
Investing for Beginners with Just R100 Complete guide for South African residents starting their investment journey Last updated: November 2025 Quick Facts You can start investing with as little as R5 on some platforms Tax-Free Savings Accounts let you grow money without paying tax Fractional shares let you own pieces of expensive company shares Time … Read more
Sygnia Alchemy vs EasyEquities: Complete Comparison Guide for South African Investors Which investment platform is right for you? Last updated: November 2025 Quick Facts Both platforms are FSCA regulated and safe to use EasyEquities is better for beginners with no minimum investment Sygnia Alchemy offers lower fees for ETF investors with larger portfolios You can … Read more
JSE vs International Markets: Complete Investment Guide for South Africans Where should you invest your money in 2025? Last updated: December 2025 Quick Facts JSE minimum: R300 per month or R1,000 lump sum You can invest R1 million offshore per year without SARS approval JSE had 435 listed companies as of December 2025 S&P 500 … Read more
In short: A tax-free investment, usually called a tax-free savings account (TFSA), lets you invest up to R46,000 a year from 1 March 2026 (it was R36,000 before that) and R500,000 over your lifetime. All interest, dividends and growth inside it are tax free, and so are withdrawals. If you go over either limit, SARS … Read more
In short: You can buy, sell and hold crypto assets in South Africa, but they are not legal tender: the Reserve Bank does not recognise them as currency. The Financial Sector Conduct Authority (FSCA) licenses crypto asset service providers (CASPs) that give advice, intermediary or investment-management services under the FAIS Act. As at 31 March … Read more
Beginner-friendly guide to How Long Does Sanlam Take to Pay Out Investment. How to get started, fees, and what to expect.
Sygnia 101: Complete Beginner’s Guide to Investing Everything you need to know about Sygnia investments in South Africa Last updated: November 2025 Quick Facts Start investing from R500 per month Low fees from 0.35% per year Manage investments online via Alchemy platform Over R350 billion in managed assets JSE-listed company regulated by the FSCA Table … Read more