Buy or Rent in South Africa 2026: Make the Right Choice for Your Future
One of the most important financial decisions in life is whether you should buy or rent property. With interest rates finally easing and the property market showing signs of recovery, the timing has never been more critical. Let’s break down everything you need to know to make the best choice for your situation. The Case […]
Think You Were Misled About a Car Purchase? Read This
In South Africa, purchasing a motor vehicle is a significant financial decision. It is therefore essential that purchasers receive honest and complete information regarding the vehicle’s condition before making a decision. Unfortunately, circumstances still arise where purchasers are misled into buying defective vehicles due to false or incomplete representations made by sellers. The recent judgment […]
The Consequences of Making Loans to Trusts
Family trusts have long been a central feature of South African estate and wealth planning, with high-net-worth individuals using trust structures to protect assets and to save certain assets, particularly from estate duty. However, many taxpayers who hold substantial assets baulk at the idea of losing complete control over any assets that they may transfer […]
Your Will is Set, But Who is in Charge? A Guide to the Executor of Your Estate
Completing your last will and testament is one of the most responsible steps you can take to protect your loved ones. It provides clarity, minimises conflict, and ensures your assets are distributed according to your wishes. However, a will is only as effective as the person tasked with carrying it out. This crucial role is […]
“Can’t Buy Me Love” (Money and Relationships)
Money may not be able to buy you love, but it sure can make or break it! Money can be a source of joy, opportunity, and growth, but in relationships, it can also be a source of stress and conflict. Financial disagreements are one of the leading causes of tension in relationships, often stemming from […]
Section 12J Investments: The Numbers Don’t Lie
No hype, just solid numbers outlining the impact of the tax breaks on your investment returns when using a Section 12J vehicle. Jerry Maguire (portrayed by Tom Cruise) will go down in film history for his memorable quote when he shouted, “Show me the money!” However, while I’m unlikely to achieve anywhere near a similar […]
Capital Gains Tax considerations for retiring small business owners
Retirement for small business owners is not simply a case of handing in your resignation letter and having a big party at which the company presents you with a gold watch. It often involves the not inconsiderable task of selling your business particularly if there is no ‘heir apparent’ to take over the reins. And […]
Are you giving signals, trading tips, or trading on behalf of others? beware!
You’re at a braai with friends, and the conversation turns to the latest hot stock or cryptocurrency. Feeling confident in your recent trading success, you offer specific advice to a friend, telling them exactly what to buy and sell. While you might have good intentions, this scenario could land you in hot water if you’re […]
Key considerations before borrowing money in South Africa
Securing a loan is a common approach for financing various personal and business needs in South Africa, from purchasing property to covering unexpected expenses. However, the decision to borrow money requires careful thought and planning. Here are essential factors to consider before you commit to a loan. Assess your financial situation: Evaluate your needs and […]
Don’t lose that tax loss!
Sustaining losses on certain activities, blissfully assuming that SARS will chip in at year-end? Make sure that this loss is not ‘lost’ forever. Many people have invested in second properties based on the knowledge that, for the first few years at least, they would have to fund the shortfall until such time as the rents […]
