South Africa Is Rewriting Its Trust Law: Here’s What Changes and What it Means for Trustees
South Africa’s trust legislation is being rewritten from scratch. What the Regulation of Trusts Bill would mean for family trusts — and why the first question is whether your trust still earns its place.
Endowments: When the 30% Wrapper Actually Earns Its Keep
Should you invest in an endowment? The honest case for South Africa’s 30% wrapper — the tax arithmetic, the five-year rule, and the estate benefits it does (and doesn’t) deliver.
Should You Consolidate Your Investments:? A South African Guide
Consolidating your investments usually means lower fees and a clearer picture, but the transfer mechanics decide whether you save money or trigger tax. A practical South African guide to moving each product type correctly.
The Cost of Financial Complexity: Who’s Watching the Whole Picture?
Financial complexity builds one sensible decision at a time — until nobody is watching the whole picture. What it really costs, why advisors rarely simplify, and five questions to ask of every structure you own.
Cross-Border Financial Planning: One Life, Two Tax Systems
If your life, income, or family spans more than one country, your financial plan has to as well. A practical guide to tax residency, currency, investing, and estate planning across borders.
The Silent Tax: What Inflation Really Does to Your Retirement — and How to Fight Back
South Africa’s official inflation looks benign. But for most retirees, the real number is significantly higher — and the difference compounds quietly over 20 to 30 years into one of retirement planning’s most serious risks
The Role of a Trustee in South Africa
Trustees carry real legal accountability under South African law. This guide covers fiduciary duties, the independent trustee requirement, sham trust risk, and how to choose trustees wisely.
ETFs in South Africa: Powerful Building Blocks, Not a Silver Bullet
ETFs are powerful, low-cost building blocks for South African investors — and actively managed ETFs are reshaping the market. Here’s how they work, where they fit, and the risks worth understanding.
Structured Notes in South Africa: What the Brochure Doesn’t Tell You
Structured notes promise capital protection and enhanced yield, but the protection is conditional and the fees are hidden in the design. A clear-eyed guide to how they work and when they fit.
AI vs Financial Planners: Don’t Mistake Information for Advice
Financial advice now comes in 30-second videos and AI-built portfolios. Is the human planner still relevant? Yes — but the job has changed, and so have the risks of getting advice from the wrong source.
Offshore Investment Wrappers: Who Actually Benefits
An offshore wrapper isn’t an investment — it’s a container. How offshore endowment and sinking-fund structures work, the tax and estate advantages, the five-year trade-off, and the honest answer to who actually benefits (and who doesn’t).
Shirtsleeves to Shirtsleeves: Why Most Family Wealth Doesn’t Last Three Generations
Most family wealth doesn’t survive three generations. Here’s why “shirtsleeves to shirtsleeves” happens — and the planning, structures, and conversations that help South African families pass wealth on intact. Updated June 2026