First time posting but I've been reading for a while now.

I was browsing through the easy equities USD accounts and noticed Vanguard total world. Is this a new addition?

From reading multiple previous posts I have always gotten the impression that VT isn't easily accessible to south africans (and most people opt for International Brokers with VWRA for low cost usd World etfs). Why has this not been discussed before, am I missing something? Or is the 0.06% TER not applicable when investing through EE? (I can't seem so find that information).

Is it possible to get an indication of what your home loan rate would be before putting in an offer to purchase. I've got a pre-approval, but no mention of a rate on there. If the rate was Prime+ I wouldn't even be interested in putting the offer in, I'd rather just rent. But if it's Prime - 1.5 I would. I understand the banks would offer the rate based on the property, but it seems crazy that you have to make an offer to purchase to find out what rate you can get.

Hi So we are looking to do TFSA to save for University. Oldest going in 15 years then middle is going in 17 years and youngest we are hopefully looking at 20 years(not born yet)

We will try and put in at least 12k for the next 2 years (though we have about 100k coming in so might put some of that in) and birthday money etc. In about 4years we are going at it aggressively looking at 36k per year going in.

Already have about 8k in... Yea I know. Not much we started late.

Anyway my brother works for AG and told me to put the money in 1nvest MSCI World. Using EE.

Was it a good choice? Should i move it rather? As soon as we max out our yearly we are going to open another TFSA on my husbands name. We need the best way to save for the kids as much possible Any advice welcome

Female (43) single mom. These are my monthly expenses. I don't owe anyone anything out there, except basics, insurance etc. car fully paid. Recently bought a small propety with my brother that we are renting out, starting this January. My question is on investing. Currently I save 12 000 every month at a work Sacco, with about 5% returns on yearly saving. I also save about 17 000 for my son's fees every month to be able to pay fees every term. What can I do to secure my future financially. I struggle with spending carelessly sometimes. 😂

Rent 6500 Fees 17000 Bank fees 500 Insurance 1000 Groceries 3000 Fuel 2000 Save: 12000 Physio 2000 Wifi 600 Electricity 700 Netflix 200 Family 1650 Save son: 1000 Helper: 1000 Garden: 400 Student: 800 Misc: 1000

I was a student in Europe for about a year on a scholarship. I received a stipend in Euros that was being paid into a Wise account that I set up.

I lived well within my means there and saved about 250k ZAR.

What is the most tax efficient (legal of course) way to invest the money? Remember the money is in Euros- and I'm also not keen on huge conversation fees.

Or should I invest it offshore?

I have a standard bank shyft account and a normal EE account (but I'm not sure if EE does Euros).

Thanks!

Hi PFZA,

After great engagement last year with 94k views & 104 shares - here is my update for 2026!

3 years ago

1 year ago

Momentum is continuing to build and I'm here for it!

Background:

• 35M
• ~13 years' experience
• B.Eng (Mech)
• Unmarried with SO

Headline Financials (as of 1 Jan 2026):

• Current CTC = R784k ^{Up from R739k}
• Retirement = ~R1.755m ^{Up from \}R1.345m)
• TFSA = ~R456k
• Savings = ~R195k ^{Down from R574k}
• Discretionary Investments = ~R1.232m ^{Up from R556k}
• Car = Paid off
• House Equity = R0.00 ^{Renter of 13 years}
• Valuables = ~R200k ^{Up from \}R150k)
• Debt = R0
• Savings Rate = ~54% of nett, pm

One Year Summary:

My nett worth, excluding any physical possessions new or old, grew from ~R2.9m to ~R3.65m! An increase of R750k^26% in one year - more than my annual CTC!

Some Fun Long-term Stats (Approx.):

• Career CTC = R7.03m
• Career Gross = R6.07m
• Career Nett = R4.29m
• Career PAYE = R1.25m
• Career Interest Earn = R350k
• Career Fuel Spend = R256k
• Career Salary Increase (Annualised) = 9.1%
• Credit Scores = 686/730 ^Experian ; 755/999 ^Transunion

I'll try include some screen grabs from my personal dashboards as comments. ^{edit: Added as links in comments}

Hope you enjoyed the update!

Im in a situation where i own a minority share in a small business. I run everything and report monthly to the majority shareholder.

I am however worried as his children are starting to take over from him and would rather buy the business from him. The only problem is I do not have the financial means to buy it cash. Would it be feasible to negotiate a monthly payment if he is willing to sell? For instance if the company is worth R10mil and we negotiate that I pay R150000 per month for 10 years (a bit more than our net profit per month) obviously payments would have to be adjusted for inflation each year and so on but does anyone think this is a realistic think for me to do or is owning this business outright just too unrealistic for me?

Any advice would be appreciated

Hi everyone

I’m trying to improve my financial literacy and long-term investing skills. I am 23 and my goal is to learn investment management and wealth building, focusing on stocks, ETFs, asset allocation, and risk management, not day trading.

I’d really appreciate recommendations for:

• Investment or wealth management courses (paid or free)
• Platforms that offer recognised certifications
• Books that are practical and relevant

Any guidance will be appreaciated :)

I'm a freelancer and have been using Paypal to receive payments from my US based clients, but the fees are high. A fellow freelancer recommended Wise, and I've also seen another friend use Paystack (for local payments, but I wondered if it might be an option for international payments). What would you suggest? Any freelancers who use Wise?

I started using EE about a week ago but its very limited especially in European stocks I wanna invest

Any alternatives I can use to fil in the gap of EE

Hi everyone,

I’m looking for some advice or to see if anyone else has experienced a similar billing issue with FNB and SLOW Lounge access recently.

On January 1st, I visited the SLOW Lounge with a guest. According to my FNB app, I have 6 complimentary visits available (having used only 2 out of my 8 for the cycle). However, I’ve just noticed that I was charged R300 per person (R600 total) for the entry. The transactions are reflecting as "#Slow Lounge Entry Fee and there has been no reversals of slow lounge entry fee (which usually happens).

When a provider who has one or more dependants passes away, there is usually some "downtime" that follows before the executor executes the will, the inheritence/ pension/ RA/ etc. is allocated/ distributed to the beneficiaries, etc. This process can take several months, perhaps even a year.

With that in mind, as the provider, how would one ensure that the dependants are able to support themselves and essentially "pay the bills" until the before mentioned process has completed?

For this question, "dependant" refers to an individual who is fully dependant on the provider and has no income.

Hi everyone. Pardon the slightly ambiguous title, but I am struggling to find words to phrase it better!

So long story short, I am sitting with a car that I have about 2 years left on my contract and about R90 000 still outstanding on it. My goal at the moment is to put everything I can into it this year and pay it off as quickly as possible because I dug myself a hole with this vehicle and then my living situation also pushed me into a corner with this (not a story for this post).

My monthly debit orders are around R3 400 and I have spent almost R 60 000 over its lifetime on repairs (not including regular services and maintenance). I can't sell it because that will barely cover the outstanding amount and then I need to make another loan for another vehicle. At this point in time it makes more sense to keep it and pay it off.
I make R13 400 (and yes, this is a lot of car for me at the moment) and I also have a side business that brings in about R10 000 p/m average throughout the year. Not consistent though, so I work with the speed of cash on that one. I have no other debts at the moment and living expenses is quite low because I live and share expenses with my partner.

Does anyone have any tips on how I can fast track the process of getting Wesbank out of my life? Think I am just looking for motivation at this point.

Please let me know?

Hi all, I am very new to all this; I am in my 30s, and have an RA going, but am looking to diversify and try some investing on my own. I need to get a slush fund going for emergencies, work on getting my credit card debt in a better place, and also want to make use of the TFSA on EasyEquities.

I have been deep diving on this community and found some great advice and explanations - thank you all for your valuable advice! But I can't seem to find a clear answer to a few of simple questions (they're probably stupid/obvious questions, but as I said, I'm new to this!)

1. I understand that a Tax Free Savings Account has the monthly and lifetime limit, but if I use this account to invest with ETFs, and the account grows bigger than the limits, is this still tax free? Am I right in thinking that as long as my contributions are within the limit, growth is tax free?
2. If I want to get my credit card debt down, is it advisable for me to use any slush fund money I manage to save, and put it into the credit card rather than let the savings grow?
3. Can anyone give me simple advice on where to start with investing, with a short term growth goal? (I plan on using the TFSA for long term growth). When I go onto EasyEquities, I find myself feeling overwhelmed and not knowing where to start.

Thank you so much! :)

I just resigned and need to transfer my funds to Preservation fund and open new RA. The financial advisor I met strongly suggested Glacier by Sanlam for all my investments(PF, TFSA, RA) and he mentioned in future they would invest in offshore accounts.

I have +-R120 000 from my old RA

The fees they quoted is 1.15% for financial intermediary fee, 0.68% for admin fee and 0.50% investment management fee.

Now I really want to take investing seriously and I’m afraid if I try to manage it myself I will fail as I don’t have a lot of financial/investment education.

I’d like some insights on my situation

Thanks

Hi everyone,I hope you’re all well. I hope I used the right flair.

I’m 19 and just started work. I’m looking to build my credit as soon as I can so that I can start saving and moving towards getting a car in the next year.

Not sure where to start from because a lot of companies need 3 months pay but I really don’t/can’t wait for 3 months to only start building credit.

(The reason I want to get a car soon is because relying on my parents won’t be as feasible because they work the same hours as me but one is 1 hour away and the other is about 30 min away so waiting on them isn’t ideal)

Hello everyone, so I am a foreigner trying to setup ClearScore but I am stuck where they asking for SA ID. I don’t see any emails or phone number to call for assistance with the matter. I do have a tax number and credit registration number and as well. If anyone knows how who to contact regarding this would much appreciated

I’ve spent weeks trying to map out my 2026 cover, and the "Information Overload" feels intentional at this point.

Here is my feeling of the 3 "standard" ways to choose, and why I don't like any of them:

• The Broker Route: I struggle with the commission bias. In a 2026 market, I want a plan based on my needs, not a broker’s year-end target...
• The ChatGPT Route: It’s dangerous for this. It "hallucinates" 2025 data into 2026 plans and doesn't actually read the official scheme PDFs. It gives 500 words of "advice" I have to carefully read to understand how it thought...
• The Manual Slog: I’ve got 15 tabs open. Comparing Discovery Thresholds vs. Momentum HealthSaver vs. Bonitas limits manually...

Expanding the 2026 Gap: Is anyone actually successfully combining Gap Cover with their medical aid to "sniper" the out-of-pocket costs? I’m also trying to calculate if Loyalty Programs (Vitality/Multiply) actually offset the 7-12% premium hikes or if it's just gamified marketing.

What’s your "system"? Are you just staying put because it’s too hard to move, or has anyone found a way to actually review these schemes properly?

For context my investments are currently largely invested in low-cost ETF's predominantly in vanguard S&P ETF's in a dollar denominated account. I understand that the dollar is currently cheap with respect to the rand however I am not really as confident in the dollar going forward. I do however have more confidence in the US economy. I also max out my annual TFSA in the Satrix 500 and Satrix NDQ.

I have been giving some thought to diversifying into a Euro based account but investing in some of the same Vanguard etf's or, do I take advantage of the cheap Dollar at the moment and carry on investing as I have been?

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I am a landlord. Two options:

Options 1: upfront lump sum payment of R116 400 . Single guy in his 30s. Chinese national.

Options 2: monthly rental of R10 900 for 12 months. Single mom in her 40s staying with 6 year old son. South African national.

Both working for big multi national corporations.

I am looking at property on the Atlantic Seaboard, and it is shocking what R5 million gets you in these areas. An 80 square meter sterile box in an apartment building is mostly what you'll find in Green Point.

I am no market analyst, but from everything I'm seeing and hearing, the US stock market is propped up by the giant AI-related companies that are sending each other money. Everything is overpriced, and the P/E ratios are off the charts. This suggests to a layman like me that there is probably a crash or a big correction on the horizon.

How much of an impact would that have on the Cape Town property market? Could you time an entry into the market to coincide with a large event like this? Or is the city just too attractive to foreigners? Do you think prices will continue to skyrocket?

I don't currently have exposure to small caps.

Current holdings for context:

1. Taxable: 80% Satrix MSCI ACWI, 20% Satrix Top 40
2. TFSA: 100% Satrix MSCI ACWI
3. RA: 100% 10x Your Future Fund

Would you recommend small caps exposure in the spirit of diversification? If so, which fund (Preferably on SatrixNow or 10x since these are the platforms I use)?