financial freedom
At retirement, the option to take part of your retirement fund as a cash lump sum can be appealing — but it is not always the right decision. Your lump sum election should be weighed against your tax position, income
When markets fall, headlines intensify and uncertainty rises, the greatest threat to long-term wealth is often not the market itself, but how investors respond to it. In our latest article, we explore why behavioural discipline, structure and perspective are essential
Visible consumption can easily be mistaken for financial success, but genuine wealth is usually found beneath the surface. We explore why intentional spending, consistent investing, manageable debt and the freedom to live according to your values are more meaningful measures
In financial planning, the pattern is consistent. Those individuals who live within their means, save diligently, and remain invested over decades often end up with more financial security than they ever expected. Their success stems not from sophisticated strategies but
While many South African investors make use of retirement funds to build wealth for their retirement years, many do not take the opportunity to structure their contributions in a pre-tax manner – which can inadvertently affect the growth of one’s
Keep in mind that any and all previous withdrawals and/or severance benefits are also taken into account when calculating the total taxable withdrawal, meaning that it is a cumulative total and not calculated on a pre-withdrawal basis. As such, be
Budgeting should not be viewed as a stressful or punitive exercise but rather as a normal and essential part of financial well-being. Too often, adults only start budgeting when they find themselves in financial difficulty, unintentionally reinforcing the idea that
One of the most critical decisions you’ll need to make involves the money held in your employer’s pension or provident fund. If your retrenchment is due to operational requirements or your employer ceasing operations, your retirement lump sum is considered
