Is a 5% Employer Contribution Enough for Retirement?

Is a 5% Employer Contribution Enough for Retirement?

If you’re formally employed, chances are your payslip includes a retirement fund contribution — often around 5% of your salary.It may feel reassuring. It may feel automatic.And on paper, it looks like you’re doing something responsible. And to be fair, you are.That 5%...
Is the Lowest Fee Always the Best Deal?

Is the Lowest Fee Always the Best Deal?

It’s one of the most common financial questions people ask — and it’s a good one: “Am I paying too much in fees?” It’s one of the most common questions around investment fees. We’re taught to watch out for hidden costs. We’re told that low fees = high efficiency. And...
What’s Riskier: A Tech Stock or an Empty Emergency Fund?

What’s Riskier: A Tech Stock or an Empty Emergency Fund?

Financial well-being can’t be measured by merely looking at how much you earn.   Saving money only works when there is a gap between what you earn and how much you don’t spend. This is the figure that matters most! Let’s compare an exercising weight loss program to...
Terrible reasons to not save for retirement

Terrible reasons to not save for retirement

The importance of saving specifically for retirement is something the vast majority of South Africans underestimate, and there are terrible reasons to not save for retirement. Here are some of the worst: 1. I don’t plan to retire I’m afraid that in most...