Retirement

The Ultimate Guide to Living Annuities in South Africa: Retirement Income, Risks & Best Strategies

A living annuity offers retirees flexibility in managing their retirement income, but choosing the right strategy is crucial to ensure your savings last. From withdrawal rates and market risks to low-cost investment options, this guide unpacks the key factors to consider when structuring a sustainable living annuity. We explore the best performing funds, the risks of relying solely on balanced funds, and how to navigate fees, longevity risk, and portfolio construction for a secure retirement.

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estate planning 101
Estate Planning

Estate Planning 101 for South African’s: How to Secure Your Legacy in 2025

Estate Planning 101 is your 2025 blueprint to safeguarding your financial legacy. Dive into structured strategies for asset management, from leveraging trusts and life insurance to navigating tax optimization and business succession. Create a future-proof plan to ensure your assets are distributed according to your wishes, providing peace of mind for you and your loved ones.

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Structured notes and how they work for South African investors
Financial Planning

Structured Notes in South Africa: The Ultimate Guide for Investors

Structured notes have quietly moved from niche products to mainstream tools in South African wealth management. They appeal to investors who don’t want to be fully exposed to market swings, yet find the low returns of bonds or cash uninspiring. In many ways, they offer a middle ground: a blend of capital protection, enhanced yield, and tailored market exposure.

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The Art of Execution and Investing, Multibaggers, investing behaviour
Investing

The Art of Execution: What South African Investors Can Learn from Winning (and Losing) Behaviours

In investing, it’s not what you buy—it’s how you behave once you’ve bought it. That’s the central lesson of The Art of Execution by Lee Freeman-Shor, a book that shows why even top fund managers often underperform despite brilliant ideas. The difference lies in execution: cutting losers quickly, letting winners run, and resisting the behavioural traps that derail most investors

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