Articles
Take a look at our latest articles.
Two-pot system has much to give today, but can also take from tomorrow
In his Business Day article, Jonathan Botha CFP® considers the initial effect the introduction of the two-pot system has had on South Africans and explains why he believes it has the potential to foster stronger retirement readiness across South Africa.
JSE delistings raise concentration risks
In this Business Day article, Jonathan Botha CFP®, looks at why the number of listings on the JSE, Africa’s largest stock market, halved over the past 20 years.
The two-pot retirement system is actually three pots
In this Business Day article, Jonathan Botha unpacks the two-pot, or rather, the ‘three-pot’ retirement system. Will retirees be disadvantaged or does it seek to improve retirement outcomes and reduce reliance on state support?
South Africa Budget Speech 2024: Raiding the reserves or taking profits?
South Africa's budget speech on 21 February 2024 gave two clear indications that our government is facing financial pressure. The two indicators of financial pressure. The first indicator was...
Joint Wills in South Africa: When are they used?
Your will is one of the most important documents you will sign in your life so it's worthwhile to get professional advice when drafting it. In most cases we do not recommend the use of joint wills -...
Two-pot system: Early access to retirement funds in South Africa 2024
The new "two-pot" retirement fund system allows partial early access to your retirement funds - recognising that life is uncertain and people will encounter emergencies. It's our government's way of...
Is cash really king? Holding cash in South Africa in 2024
Cash investments in South Africa are offering lucrative returns in 2024, thanks to local interest rates that have soared to levels we haven't seen since 2009. While cash is generally considered a...
Home coming
Despite the volatile conditions in South Africa, there appears to be a trend of skilled South Africans returning to home soil. Both the real estate industry and the tax industry have quoted data...
South Africa grey-listing progress update
In 2023, the Financial Action Task Force (FATF) grey-listed South Africa. Here's why, and what has been happening since... What is the FATF and grey-listing? The Financial Action Task Force (FATF)...
How to avoid personal finance fraud: South Africa 2024
Fraud in 2024 is less about people pretending to be something they are not, and more and more about people using software or digital means to fraudulently gain access to your information or...