Advice

Starting a small business can be an exciting journey, but it often comes with many challenges. Business owners frequently face hefty bureaucratic processes, tax compliance issues, and the need to make informed decisions about their company’s structure. For aspiring entrepreneurs, gathering the right resources and information can make all the difference. One crucial step in … Read more

Starting a new business can be exciting, but it often comes with challenges. One common hurdle for entrepreneurs in South Africa is registering for Value Added Tax (VAT) with the South African Revenue Service (SARS). Some business owners have reported waiting months to complete this process. This delay can complicate sales, especially with the burden … Read more

For many people who work overseas, the idea of investing back home can be tempting. One such individual is considering renting out a two-bedroom apartment in Cape Town while living abroad. This might sound appealing, but it brings up some important questions about finances and practicality. Understanding the Costs The person is currently earning a … Read more

Smart Ways to Invest R6,000 Monthly for a Year Complete investment guide for South African residents Last updated: November 2025 Quick Facts R6,000 per month = R72,000 per year to invest Tax-Free Savings Accounts offer 100% tax-free growth Interest rates in 2025: Fixed deposits 8-12%, savings 4-7% Minimum investment: As low as R100 with some … Read more

Becoming an actuary is a challenging yet rewarding career choice. Actuaries use math, statistics, and financial theory to analyze risks and help businesses make informed decisions. If you are considering this path, you might wonder which degree to pursue. Let’s explore different degree options, their benefits, and their drawbacks. Actuarial Science Degree One of the … Read more

Investors often grapple with choosing between funds that distribute returns immediately or those that accumulate returns over time. This decision can significantly impact your overall wealth due to the way taxes work on different types of returns. The total return on any investment is made up of two parts: capital returns and yield returns. Capital … Read more

Starting Your Retirement Savings Early: A Complete Guide for South Africans Why beginning now can change your entire future Last updated: December 2025 Quick Facts Only 6% of South Africans can retire comfortably Starting at age 25 requires saving just 12% of your income Tax benefits give you back up to R2,000 per month You … Read more

Overcoming Debt in South Africa Your complete guide to becoming debt-free Last updated: December 2025 Quick Facts 9.82 million South Africans have impaired credit records Debt review can reduce your monthly payments by 30-50% You are protected from legal action during debt review All fees are regulated by the National Credit Regulator Free help is … Read more

Future of Interest Rates in South Africa: What You Need to Know Understanding how interest rates affect your money in 2025 and 2026 Last updated: December 2025 Quick Facts Current repo rate: 6.75% (November 2025) Current prime rate: 10.25% (November 2025) Rates have dropped 1.50% since September 2024 More cuts expected in 2026 Lower rates … Read more

How to Buy an Apartment with R100,000 Deposit in South Africa Your complete guide to homeownership in 2025 Last updated: December 2025 Quick Facts R100,000 deposit is 10% of a R1 million property Prime interest rate is now 10.50% (December 2025) Properties under R1.21 million pay no transfer duty Average apartment prices: R688,000 to R1.6 … Read more