Image by: Towfiqu barbhuiya collection. Let’s be honest for a second. When you finish your varsity studies and take your first official steps into the working world, nobody gives you a handbook on how to manage your life. Suddenly, you are expected to navigate a workspace, figure out transport, and make your starter budget stretch to cover real-world expenses. By the way I have never had to do a budget for my own finances, I was on NSFAS in varsity and trust me there is nothi

Image supplied. Justin Sinani Nkhata - Retirement planning is often seen as a numbers game, but the truth is that it begins long before calculators, spreadsheets and investment projections enter the conversation. At its core, retirement planning combines vision, mathematics, realism, honesty and a trusted relationship with a financial adviser. Before you sit down to discuss your retirement strategy, it is worth asking yourself an important question: What does your ideal retir

Image supplied. Finance Minister Enoch Godongwana’s 2026 National Budget includes several consumer facing tax moves aimed at easing pressure on households and encouraging long-term saving. While some expected increases were announced (such as fuel levy and sin taxes), the Budget Speech also offered relief through inflation-linked adjustments to personal income tax brackets and higher limits for tax-efficient saving. Roxanne Tobias, Actuary and Head of Marketing & Communicatio

Archived . Build your financial crew Surround yourself with people who understand money – it could be a credit coach, financial adviser, or even a savvy friend – someone who can help you navigate the credit maze. Don’t do it alone; lean on those who have walked the path before. Start with the basics Begin with small steps. A cell phone contract or a retail store account is an excellent way to dip your toes into the credit pool. Remember: only spend what you can pay off in ful

On image: Sanlam Financial Advisor, Justin Sinani Nkhata. Understanding Retirement Income Solutions There are several income solutions available to choose from when you retire, each meeting different requirements. The two traditional options currently used to provide retirees with an income from their retirement savings are a guaranteed life annuity and a living annuity. However, when it comes to selecting a sustainable retirement income solution that allows for a confident r