Flat-Fee Financial Advisor: Pay for Advice, Not a Percentage of Your Wealth
Most financial advice in South Africa is still priced in a way that benefits the advisor
more than the client. This guide explains how flat-fee advice works, how it compares to
commission and AUM models, and why the fee structure matters more than most people realise.
Fee-Only Financial Advice in South Africa: And What It Actually Means?
Fee-only financial advice means the advisor is paid only by you — no commissions, no trail
fees, no percentage-of-assets charges that grow with your portfolio. This guide explains how
the different advice models work, what they actually cost, and why the fee structure matters
more than most people realise.
LIVING ANNUITY VS LIFE ANNUITY : WHAT IS THE BEST RETIREMENT INCOME SOLUTION?
Choosing between a living annuity and a life annuity is one of the most consequential and
least reversible decisions a retiree makes. This guide explains the real trade-offs, what
you’re giving up with each choice, and how to approach the decision for your circumstances.
Living Annuities in South Africa: How to Draw an Income That Lasts
Living annuities offer flexibility and control in retirement, but they also introduce real risks. This guide explains how living annuities work, key drawdown dangers, and how to choose the best living annuity in South Africa.
Financial Planning Guide South Africa: Turning What You Earn Into What You Keep
Financial planning is the process of organising your money so it supports your lifestyle today and your long-term goals in the future. This 2026 guide explains the key pillars of financial planning in South Africa, including investments, retirement, tax, risk, and estate planning — and shows how a structured plan helps you make better decisions, reduce uncertainty, and build lasting financial security.
RETIREMENT PLANNING GUIDE (2026): A practical, independent guide for South Africans building long-term financial security
Retirement planning in South Africa explained — from building capital during your working years
through to managing sustainable income in retirement. Covers the accumulation phase, transition
planning, Two-Pot system, offshore exposure, and the risks retirees face. Updated for 2026.
Estate Planning in South Africa: Protecting What You Leave Behind
Estate planning in South Africa involves far more than writing a will. This practical guide covers marriage regimes, estate duty, offshore assets, business succession, and the most common structural failures — with updated Budget 2026 figures throughout.
Best Retirement Annuity in South Africa: 2026 Fund Performance Guide
Updated to 31 July 2026, this guide compares South African balanced-fund performance over three, five and ten years and explains how to assess a retirement annuity beyond headline returns.
EVERYONE HAS A PLAN: AND HOW TO INVEST THROUGH UNCERTAINTY
Markets get rattled. Plans get tested. Carl-Peter Lehmann on uncertainty, sequence-of-returns risk for retirees, and what investment discipline actually looks like when things get uncomfortable.
Offshore Diversification: What It Actually Protects Against
It’s Not Just About the Rand The rand depreciation argument is the one most South African investors hear first. It is also the one that causes the most confusion — because it frames offshore investing as a currency trade rather than as sound portfolio construction. The long-term numbers are real and consistent. Over the past […]
Life Annuities Explained: Guaranteed Income for Life (and When They Make Sense)
A life annuity converts a lump sum into guaranteed income for life. This guide explains how
life annuities work in South Africa, the pros and trade-offs, how they compare to living
annuities, and when a blended approach makes sense. Updated with June 2026 rate benchmarks.
Granate Asset Management: How a Quiet Boutique Stacks the Odds
A candid look inside Granate Asset Management — the boutique manager pairing humility with conviction to deliver consistent, top-quartile risk-adjusted returns.