Death and (Capital Gains) Taxes: Don’t Get Caught Out

Capital Gains Tax (CGT) is not a flashy, Ferrari-driving, Gucci-wearing kind of tax. Instead, it quietly goes about its business in the background, day in and day out. This doesn’t make it any less consequential.
Many estates that appear financially secure can come under unexpected pressure from Capital Gains Tax at death. The good news is that there are several relief mechanisms within the tax system that, with careful planning, can meaningfully reduce this impact.

Why Every South African Also Needs a “Digital Will”

Estate planning in South Africa has followed a well-trodden path: we draft a will, appoint an executor, and ensure our physical assets – the house, the car, the Krugerrands – are accounted for.

However, in an era where our lives are increasingly hosted in the cloud, a significant portion of our estates is becoming invisible. Without a “digital will” or a comprehensive folder, your heirs may find themselves locked out of your financial, sentimental, and professional life.

What if You Live Longer Than You Thought You Would?

We spend our whole lives planning for retirement. While nurturing our nest egg, we worry about short-term risks. Things like wars, elections, interest rates, leaking roofs and tax breaks.

But how many of us stop to consider the prospect of living to 90 or 100? People are living longer than ever before. But most of us don’t pay enough attention to longevity when planning for retirement. Read on for some tips on how to have a long and happy retirement.

Climbing a “Wall of Worry” on an Unstable Footing

Global markets are currently climbing a classic “wall of worry”, stubbornly rising against a persistent backdrop of uncertainty.

However, this rally is increasingly viewed as fragile, driven more by positioning and narrative than by a fundamental assessment of the real risks arising out of the Iran war.

Is SA’s Investment Tide Changing?

For over a decade, the best you could say about South African markets was that there was a lot of unrealised potential. At worst, there was a sense of structural decay.

But could a shift be underway? In this article, we look at the changing sentiment towards South Africa and what it might mean for local investors.

Snakes and Ladders: Managing Your Money in a World That’s Lost the Rulebook

What could a childhood board game possibly have to do with investment advice? Quite a lot, it turns out.
Uncertainty has always been a feature of human history. But in recent years, the volatility has ramped up several notches. Change is everywhere, it seems, and there’s always a fresh crisis around the corner. But amid all the turmoil there is also opportunity. You just have to be prepared to land on a few snakes…

How Long Is a Piece of String? Investing Through the Iran War

Since bombs first fell on Iran in late February, causing most asset prices to tumble, the question on everyone’s lips has been: How long will the war last? The truth is nobody knows. With intense uncertainty about the endgame of the war now the biggest factor in global financial markets, here are five key considerations for investors when it seems there’s no end in sight.

Adjusting the Sails Strengthens Long-Term Wealth

The 2026 Budget was greeted with wide acclaim, but not much was made of the seemingly insignificant increase of the annual CGT exclusion from R40,000 to R50,000.

It might not seem like much, but the extra R10,000 will make rebalancing your portfolio every year more important than ever. As any yachtsman will tell you, the only way to reach your final destination is to make continual small adjustments along the way.

Economic and Market Overview – March 2026

An Economic and Market overview of February 2026 from Chrome.

Market Update: The Investor Costs of Living with Unending Tariff Uncertainty

In February, the landmark Supreme Court ruling reining in the US President’s tariff powers was initially greeted with excitement. But Trump swiftly announced a global 10% tariff, before upping it to 15%. This highlights the nature of the perma-crisis we are living through: it’s the relentless uncertainty, not the tariffs themselves, that inflicts the most serious damage. Find out what that means for investors.

UK Pension Deadline

Upcoming changes from the UK government mean that the opportunity to make low‑cost Class 2 voluntary National Insurance contributions from abroad is ending on 6 April 2026.

Budget 2026: What it Means for You and Your Investments

Good news at last. Budget 2026 wasn’t just delivered on time, it also contained plenty to make South African investors smile.

There is also real optimism about the country’s economic growth prospects. So much so that Budget 2026 has been called a fiscal turning point for SA, as important milestones are achieved. Read more good news from the Budget here…

COFI: Building A System that Works Better for You

The long-awaited Conduct of Financial Institutions (COFI) Bill is set to be tabled in parliament in the next couple of months.
While FSPs will be scrambling to update their policies and processes during the three-year transition period, consumers can look forward to getting fairer results at every step of the financial journey.

Read on for the lowdown.

The “Grey Zone”: It’s Time to Redefine Retirement

Retirement has long been seen as a binary switch: you worked until 60 or 65, and then shuffled off to live off your pension.

But so much has changed. Economic shifts, increased longevity, and the “fractionalisation” of the workplace have birthed a new era: The “grey zone”. In this article, we explore why it’s time to look at retirement in a completely different way.

NATIONAL TREASURY BUDGET SPEECH UPDATES FOR THE 2026/2027 TAX YEAR

The 2026 South African Budget, delivered on 25 February 2026, introduces significant tax relief measures effective from 1 March 2026.

This article highlights the key changes and how they impact investors.

Economic and Market Overview – February 2026

An Economic and Market overview of January 2026 from Advantage.

Market Update: Our Survival Guide for Investors in 2026

An eventful and eye-opening January served as an early warning for investors. Peace of mind is off the table for now and policy uncertainty, geopolitical shocks, and rapid sentiment shifts are likely to define the year ahead.

The Most Important Financial Concept Is …

As investors, we worry about all sorts of things: the state of the economy, the rand, the gold price, and how different funds are performing. But none of these things has as much impact as something we think about a lot less – time.

In this article, we look at why time is the most important consideration in financial markets, based on a lesson we can all learn from perhaps the greatest investor of them all – Warren Buffett.

The 25x Rule: Busting the Myth of the Magic Number

For decades, South Africans have been told to use a simple formula to figure out how much money they will need in retirement: multiply their annual expenses by 25.

But retirement is different now. People live longer. Inflation is less predictable. The markets are less stable. And the way people spend money is changing.

Read more to learn how we can help with this process.

How to Maximize Your Tax Savings: The Smart Year‑End Checklist for 28 February

As we approach the end of the tax year, now is an ideal time to make a few strategic adjustments that can strengthen your financial position.
These steps are simple, high-impact, and designed to help you make the most of the tax incentives available to South Africans.

Read on to make sure you end the tax year right.

Read more to learn how we can help with this process.

How to Maximize Your Tax Savings: The Smart Year‑End Checklist for 28 February

Read on to make sure you end the tax year right.

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