Interesting Articles

inSite issues a FREE basic financial literacy article for interested clients on a monthly basis.

  National Wills Week 2022

From 12 - 16 September, participating attorneys will draft basic wills FREE OF CHARGE. Use this opportunity to ensure that your affairs are in order, and that your assets are protected.
  The cost of early retirement

Taking early retirement can be risky. There are some very important factors to consider first, to ensure that you live comfortably through your golden years.
  Saving for your children’s education

It’s vital to begin investing in your children’s education as early in their lives as possible. Let’s discuss some practical ways to achieve this.
  Managing debt in times of crisis

Have you found yourself juggling more financial responsibilities than usual lately? If so, you are not alone. Let's look at both simple and detailed options to defeat the burden of debt.
  Getting out of the financial woods of the pandemic

Millions of South Africans were negatively affected by the pandemic's impact on the economy. Let's discuss how to get out of the financial woods during the pandemic.
  Have you updated ALL your beneficiaries?

Do you know that you might have multiple benefits for which you need to nominate beneficiaries? Let’s discuss Fund Death Benefits, Employer Death Benefits and Funeral Benefits.
National Wills Week 2021

From 13 - 17 September, participating attorneys will draft basic wills FREE OF CHARGE. Use this opportunity to ensure that your affairs are in order, and that your assets are protected.
Adjust your attitude, adjust your bank balance

Our attitude towards handling money is often subconscious, but it still affects our financial decisions. Being mindful of your Money Attitude can help you save smarter for the future.
Simple financial tips for kids

Some of our most consistent financial habits our shaped by the relationship we have with money as children. Here are simple steps to teach children about money and saving.
Tips for first-time home owners

If you’re considering buying your first home because the property market is booming, consider these important points to note before signing on the dotted line.
Divorce and your retirement savings

Your pension or provident fund savings form part of your overall assets. Understand what happens to your retirement benefits if you divorce your spouse.
How to make your contributions REALLY count

Let's look at the value of making Additional Voluntary Contributions, and explore other reliable savings vehicles that can help you to bump up your savings.
The 2021 National Budget

The past year has been a rocky road for all global economies, but there is always hope. Find out what is contained in the 2021 National Budget and how it may affect you.
Annuitisation of Provident Funds

Some very important changes are hitting the retirement fund landscape on 1 March 2021. Let's look at the main changes, their impact on your savings, and some frequently asked questions.

Click here to download a T-day Simulation
5 ways to make the most of Compound Interest

Compound interest is one of the often-neglected gold mines of the financial world. It’s vital to know how your interest-bearing products work in order to capitalise on them.
The Psychology Behind Risk and Investing Pt 2

In this article, we help you with recognise some more of the psychological biases that could be influencing your financial and investment decisions.
The Psychology Behind Risk and Investing

In this article, we take a look at the psychology behind risk and investing, in order to help you understand the ways in which emotions can affect good decision-making
Did you start saving for retirement late?

You're not alone, and it's not too late. These helpful tips will provide some guidance on how to increase your savings pool for retirement.
National Wills Week 2020

During this week, participating attorneys will draft basic wills free of charge. Find out how to take part.
Money tips for single parents

Let's take a look at some simple ways for single parents to regain control of their finances, involve their children in money management and keep up with the changing digital landscape.
Top Financial Management Apps

Managing your finances for the long-term can be an intimidating task. These four financial management apps were designed to make money matters a breeze for you.
Investments: Is it worth it to follow the crowd?

Group mentality can be very tempting for you as an investor. Protect yourself from making big investment mistakes by remembering these important tips.
Practical financial literacy tips for kids

Parents can equip children with the knowledge and skills they need to be money-wise. Consider these important points when preparing your children for a healthy financial future.
Should you take financial advice from loved ones?

Taking financial advice from family and friends can be risky business. Find out how to filter through information in order to make the best possible long-term financial plans for yourself..
COVID-19: Reliable resources

Find reliable resources and important information to help you stay safe and informed. It's vital to plan wisely and remain focused on your long-term goals.
The 2020 National Budget Speech

Finance Minister Tito Mboweni delivered the country's annual budget speech on 26 February 2020. Find out what was in it and how it will affect you.
Wealth isn’t just about income

Building wealth is more about the choices you make with the money you have. Find out how to cultivate healthy financial habits with long-term benefits.
Five tips for staying on top of credit

January is a great time to start working on managing and clearing your credit. Find out how to reduce your debts and avoid unnecessary penalties.
UPDATE: Prescribed assets and the retirement fund industry

Before you panic, read this article to stay informed and prevent yourself from falling prey to false information and unnecessary alarm.
The four elements of personal finances

Fire, Water, Air and Earth. Find out what the 4 financial equivalents to these elements are and how they can possibly cause havoc if you are not prepared.
The basics of Inheritance Tax

If you own property in South Africa, then the South African inheritance laws apply to you. Find out what they are and how they may affect you.

Prescribed assets and the pension fund industry

Before you panic, read this article to stay informed and prevent yourself from falling prey to false information and unnecessary alarm.

Your last will and testament

Your Will is one of the most important legal contracts you can create to ensure your loved ones are cared for and your money is distributed fairly.

Time is money – investing for the long term  

One of the most important factors that will affect your investment decision-making is your time horizon. This will determine the type of investments you should choose, whether you should make a switch and assist you in reaching your retirement goals   

The wise way to buy your first car    

Buying a car is a big deal and for many South Africans, a great milestone on the road to independence. This article provides some tips on how to make the right choice and what to look out for when buying a car.   

Setting goals the SMART way!  

Say goodbye to unachieved goals and a big hello to a new achieving you! Reach your goals the SMART way.   

Fail-safe rules for managing your finances!  

If you’ve made some savings blunders in the past, there’s no need to panic. It’s never too late to start fresh on your road to financial recovery.

Big savings blunders you may be making!  

Don’t let silly mistakes ruin your savings goals. It’s never too late to do the right thing.

2019 National Budget – How does it affect you?

How are you affected by the national budget? What’s going up and what’s coming down?

Default = Different

New regulations that aim to improve your financial outcome at retirement.

Have you considered tax-free savings?

A tax-free savings account can supplement your existing retirement plan. Learn how you can save more!

Understanding Compound Interest

Compounding can be a very powerful tool to create wealth over time. All you need is some patience and discipline and compound interest will do the rest.

A 5-step Moneyfesto.
If your new year’s savings resolutions did not go as planned, fear not. You can try again with the following 5 simple and attainable goals. It’s all about having a positive frame of mind!
It's Spring! Time to adjust your lifestyle habits and save more! 

This is the season to review and refresh your monthly spending habits that may be hurting your pocket and health. See how much more you can save with these small adjustments. 

Why is it important to have a Will? 

Find out more about the importance of having a Will and what its legal implications are. During National Wills week, you can get a free Will from an attorney. Don't miss out! 
How divorce can affect your retirement benefits. 

Divorce is never easy, but there are ways to make the process as smooth as possible. 
  Spice up your budget planning. 

Discover tips on how to manage your budget better. 
  Help kids to be Money Smart. 

Help your child understand the value of money through allowances.
  Be smart about tax

Pay less tax and allow the power of compound interest to grow your money.
How does South Africa's budget affect yours?

Finance Minister Malusi Gigaba delivered a message of restoration in his 2018 budget speech. Here’s a brief summary of how ordinary South Africans will be affected.

Have you set your financial goals for 2018?

Whether you’ve set your financial goals or not, here are three easy but meaningful ways for you to enhance your financial future.
What you need to know about the Steinhoff scandal

How are you affected? What should you do or not do? Find out in our first article for 2018.
12-Month Money Challenge

By changing just one aspect of your lifestyle each month, how much can YOU save for the best December ever?
Retiring soon? It pays to think ahead

Thinking about retirement can be overwhelming at times, especially when it comes to picking an annuity (pension) that is right for you. We take a look at the things you need to consider.
How to gain financial independence as a young adult

One’s first payday marks the first day towards becoming a financially independent adult. Here are four ‘getting real’ tips new employees need to consider while holding that payslip.
Living to be 100 - How to keep your finances on track

People are living longer. And while this can be a gift, it does pose some risks when it comes to saving enough for retirement. 
It's time for a mid-year money check-up

It is time to give yourself a money check-up, create a mid-year budget, and make some necessary financial adjustments.

Think twice before raiding your retirement

Early withdrawal from your retirement fund might sound tempting, but here is how it could cost you.

South Africa has been downgraded. How should you react?

Find out what to do, and what NOT to do, in our latest helpful article.

How are you affected by SA's budget?

Finance Minister Pravin Gordhan delivered a hard-hitting message to all South Africans in his 2017 budget speech, warning of tough financial times ahead. We have a look at some of the announcements.

How to manage your parental pocket

The world is an expensive place to live in, and raising a child makes managing your money even harder. We’ve listed some advice for keeping your budget in line while still enjoying life with your kids.

Make the most of the ways you can make money

What would you do if you lost your job? There are ways to make sure that you and your family don’t suffer financially. We share some ideas on how you can have multiple incomes.

Perfect planning for the holidays on a budget

There’s nothing that ruins the mood of a good holiday like having to count every cent you spend. Planning can go a long way. Here's how to plan a perfect holiday budget.

The upside of downsizing – embrace freedom and flexibility

How to live a simpler life within simpler means. The less your monthly expenses become, the more you are saving for your future after retirement.

Where there's a Will there's a way

Create your own certainties in life by keeping your Will updated. Find out what you need to know.

It’s how you play the game that counts

How to set financial goals and strive for your own Olympic gold medal. 

Drop, cover and hold on. Your Brexit safety guide.

How to keep your money safe until the Brexit dust settles.


Time to set your half-year savings resolutions!

We’re halfway through the year, but are you halfway to your 2016 savings goals?

Manage your money. Look forward to your future!

How to get into the habit of planning ahead and making sure that your financial future is sweet. 

Junk status? What does it mean?

We've been hearing a lot about South Africa's credit rating– but do you know what it really means?
How are you affected by SA's budget?

Here's a simple summary of what goes up, what goes down, and what stays the same.
Know thyself

It helps to be aware of your personal strengths and weaknesses when deciding on an investment strategy.
Don't let the markets get you down

They do bounce back eventually, so think long term and you will breathe easier.
Moving to a new employer? 

Make the right decision with your hard-earned savings!
Are you well preserved?

There are a number of good reasons for keeping your savings intact no matter what.
Are you prepared?

What should you do to make sure you're ready for retirement? Find out here.

Tax directives at withdrawal are not reversible! Find out what this means, and what you need to do about it.

Because bad advice can be worse than none at all

So don't take chances with your finances! Here's how to make sure you select a reliable advisor.
Build today. Benefit tomorrow.

It doesn't have to be hard to secure your future. There are a few simple tips you can follow to free up your finances.
Don't get bitten by a loan shark!

The long-term misery is NOT worth the short-term reward of quick and shady loans.

Find out how much you spend if you buy on credit: How much will that item really cost?
Money and relationships

If you and your partner have differing relationships with money, it is important to discuss your expectations, as not doing so might lead to unhappiness.

Try our calculators: Financial Likeness and Money Relationship with Partner
A brand new way to save

The new tax-free savings accounts are a great way to supplement your retirement savings. Find out more about how they work in this article.
Which parts of the national budget affect you directly?

Find out in our easy-to-follow, graphic breakdown of the highlights.
Don't deflate your bank account!

It's always a good time to save, and to create better spending habits. Find out how and why in our great new article.
Making the right choices from the start

If you're just beginning your career, being financially responsible may not be on your list of priorities. Read our article to find out why you should be considering your future right now.
Dealing with debt in December

If you do have debt that you’re worried about, there are ways to keep it in check, and eventually get rid of it completely. Find out more in our last article for 2014.
Retirement Reform: Update

Some things will be changing and some things are going to stay the same for a while yet. Find out what's what in our latest article.
Miraculous, marvellous, compound interest

It was amazing enough to impress Einstein… imagine what it can do for you! Find out how compound interest works – and how to make it work for you.
Shedding light on hidden costs

The third and final of our articles for prospective home-owners deals with the extra costs that may trip you up when you settle on a place to buy. Be informed and avoid nasty surprises.
Preservation How to kill your bond

What a wonderful day when we are finally debt free! And with careful planning, that day might be sooner than you think.
Should you rent or should you buy?

We all want to live in a place that makes us happy. Sometimes, renting can seem like a more comfortable option… but what are the disadvantages? Read our latest article to find out whether you should reconsider your decision and if so, what you need to be aware of.
Brilliant Budgeting!

"A simple fact that is hard to learn is that the time to save money is when you have some."–Joe Moore

Now more than ever, you need to take a more active role in understanding and managing your finances. Budgeting is the easiest way to reduce your expenses and increase your savings. We've even got a helpful budget template ready for you to use: just click here.
Stay safe - stop switching lanes

Trying to time the market is ineffective at best, and usually very risky. Find out how to manage your investments in our latest article.
Retirement Reform changes - what you need to know

You will remember that the Minister of Finance announced proposals in the 2013 Budget Speech
aimed at reforming the retirement industry. These changes will impact all members from 1 March 2015.
How does the annual budget affect you?

Fortunately, it's not all bad news this year. Find out how you will need to readjust your personal finances in light of South Africa's newest budget.

Click here to see a graphic summary of the budget changes
Interest rate up? Don’t let it get you down!

On the 29 January 2014, South African Reserve Bank governor, Gill Marcus, announced that the interest rate would be increasing by 0.5%. What should you be doing to counteract the effects?
Back to school Savings

It’s January and many of us are feeling the pinch as 2014 begins. If you are a parent and your children are heading back to school, there are lots of ways to make this month a little easier on your pocket.

What's New

National Wills Week 2022
The cost of early retirement
Saving for your children’s education
Managing debt in times of crisis
Getting out of the financial woods of the pandemic
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