How to Make Your Generosity Work Harder for You in 2026

The holidays may be over, but the spirit of giving doesn’t have to fade. For many clients, the new year is the perfect time to pause, reflect, and plan…
When it comes to charitable donations you shouldn’t only plan how much to give – but how to give in a way that maximises impact while minimising tax.
As your financial advisers, we can help you design a giving plan that aligns with your charitable values and your tax strategy. Done right, generosity can deliver two wins at once.

The Challenges of Investing Offshore without Sound Financial Advice

Death and taxes (idiom) ” Death and taxes ” is a phrase commonly referencing a famous quotation written by American statesman Benjamin Franklin: “Our new Constitution is now established and has an appearance that promises permanency; but in this world nothing can be said to be certain, except death and taxes.”

Do You Need a Second Will for Your Overseas Assets?

Increasingly, South Africans are acquiring foreign assets – investments, bank accounts, properties and the like. If that applies to you, you’ve no doubt wondered whether your local South African will is enough to cover all your assets globally, or if it only applies to your local assets?

Market Update: SA and Europe Outpace the US Stock Market

It appears that Trump-related investor optimism has dissipated, leaving the US stock market in the red since he took office.
Uncertainty, it seems, is the order of the day and investing for the long-term (but expecting realistic returns) is the only solution.

8 Things You May Not Know About Capital Gains Tax

What is Capital Gains Tax (CGT)? Why do you have to pay it? How is it calculated? And how can you keep its impact on your finances to a minimum?

We’ll answer all these questions and several others in this handy explainer on one of the most poorly understood aspects of our tax law.

Navigating Inheritance Conversations: Turning Tough Talks into Lasting Legacies

After your passing, the last thing you want is conflict among your heirs and unnecessary legal drama.

Evolving Wealth Part 3: Gen X, Risk Averse but Quick to Adapt

Born between 1965 and 1980, Gen Xers have lived through times of economic turmoil, making them the first living generation to be worse-prepared for retirement than their parents. But they’re also equipped with some financial planning superpowers: they think on their feet and never take anything for granted.

Market Update: Expect the Unexpected in 2025 – And Plan for it

Investor anxiety set in late last year and has continued into early January, with both local and global uncertainties creating an environment that’s ripe for volatility.

Market Update: The Good, Bad and Ugly of Trump’s Return

While initial enthusiasm surrounding Trump’s likely market-friendly economic policies drove the S&P 500 index above 6,000 points for the first time, investors are now carefully weighing the opportunities and risks ahead.

Burgernomics: Decoding Currency Values with the Big Mac Index

The Big Mac Index, created by Pam Woodhall and first published in The Economist in 1986, offers an easily digestible way (pun intended) to assess currency values and the purchasing power parity (PPP) between countries. Comparing the price of a McDonald’s Big Mac in different currencies gives a basic snapshot

Do You Recognise Yourself in Any of These Client Case Studies?

As financial advisors we work with lots of different people. Although no two situations are identical, we do see the same themes coming up again and again. For this article we asked some of our colleagues in the South African financial planning industry to share a memorable client story. Do

Three Pot System 101: What You Need to Know Before 1 September 2024

We’re ready to help you navigate the “three-pot system,” (often referred to as a two-pot system) which will be implemented on 1 September this year. This change in the law is meant to help you harmonise your long-term savings with short-term financial agility, enabling you to navigate immediate financial challenges

How Elections May Impact Markets in the Months Ahead

South Africa’s momentous elections will impact financial markets for months to come, we just can’t predict how. Even if an investor-friendly coalition is agreed in the next week, you can still expect plenty of ups and downs. Foreign investors may dip in and out based on their risk appetite, but

Demystifying Retirement Planning Lingo

Being able to retire comfortably is the ultimate goal. But getting there will require familiarising yourself with a few different financial vehicles. What’s the difference between a pension fund and a provident fund? And how will the two-pot system change things? Read on for a primer on some of

Why Your Marital Contract Really Matters

It’s normal not to want to prepare an antenuptial contract, as it feels like you’re preparing for divorce – absolutely the last thing you want to think about when you’re caught up in the thrill of planning a wedding.

Read on for an overview of the choices available to you – and their financial consequences.

HOW TO TAKE ADVANTAGE OF THE DONATIONS TAX ALLOWANCE

Tax is one of the most important aspects of financial planning.
The donations tax allowance is one of the most under-utilised exemptions, and it’s available to everyone.
Read on to find out how to take advantage of it.

WHAT’S COOKING WITH THE THREE-POT SYSTEM?

The much talked about two pot system for retirement savings hasn’t even come into being. And now government’s proposing a three-pot system (although they’re still calling it a two-pot system).
Read on for an in-depth discussion of the pros and cons of the pending changes to retirement planning in South Africa.

How to Invest When There’s So Much Bad News

South Africa has some serious problems, and there’s little sign of them getting better.

So, what should a South African investor do in this situation?

What is True Wealth?

When people talk about wealth, they tend to think of material possessions. But true wealth requires a mindset that goes beyond just accumulating money.

Read on to learn how to think differently about wealth and why it is about more than just your finances.

2023 Budget Speech with Kevin Lings

Kevin Lings, Chief Economist at Stanlib, unpacks the 2023 budget in this 15 minute video.

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