Financial Planning Archives

What the World Cup Final Can Teach Us About Investment Decisions

By Katlego Mei, CFP ® Before the 2026 FIFA World Cup final, many people believed Argentina would win. They had the reputation, the experience, and the weight of public expectation behind them. Yet Spain lifted the trophy. That result offers a useful lesson for investors: confidence is not certainty. Investment decisions often follow the same[...]

by Katlego Mei
Posted on August 4, 2026
in Financial planning, Retirement, Tax Planning

By Katlego Mei, CFP ® Tax season can feel complicated in retirement, especially when your income comes from several sources. A careful review before submitting your return can help you avoid delays, reduce the risk of an incorrect assessment, and make sure you do not pay more tax than necessary. For South African retirees, the[...]

By Frank Daubenton, CFP ® Most people will spend weeks planning a holiday. They compare destinations, read reviews, consider risks, evaluate costs and think carefully about the experience they want. Flights are researched, accommodation is scrutinised and alternatives are weighed up. The decision-making process is often deliberate because the outcome feels immediate and tangible. Yet[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Many people hear the words “financial planning” and immediately think of investments. They picture unit trusts, retirement funds, market performance and charts showing whether their money has grown. Investments are part of financial planning, but they are only one part. Real financial planning is about connecting your money to[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Diversification is one of the most common principles in financial planning. Most investors have heard the phrase, “don’t put all your eggs in one basket.” It is simple, familiar and true. But it does not fully explain what diversification means when you are building an investment portfolio. True diversification[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Starting to invest is one of the most important financial decisions a person can make, yet it is often delayed for too long. Many people wait because they want the timing to feel right. They hope markets will settle, uncertainty will ease, and a clearer moment to begin will[...]

By Katlego Mei, CFP ® Many people think a good investment strategy is only about growth. They focus on returns, market performance, and picking the right products. That matters. But there is another part of investing that deserves just as much attention: liquidity. Liquidity simply means having access to money when you need it. It[...]

by Jonathan Theunissen
Posted on April 21, 2026
in Budgeting, Financial planning, Investing

By Jonathan Theunissen, CFP ® Intelligence helps people solve problems, build careers, and handle complexity. But money does not always reward intelligence. Many capable, successful people still overspend, delay investing, take unnecessary risks, or avoid basic financial planning. That may seem surprising, but it is common because money decisions are rarely driven by knowledge alone.[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Investing is often described as a rational process shaped by facts, data, and careful decision-making. In reality, it is far more human than that. Every investor brings emotion into the process, whether they realise it or not. Fear, doubt, impatience, and even optimism influence the way people respond to[...]

By Katlego Mei, CFP ® For many people, earning more should mean making real financial progress. Yet that is often not what happens. Income rises, but savings do not. Debt remains. Financial stress stays close. The reason is usually lifestyle creep. Lifestyle creep happens when your spending rises as your income rises. At first, it[...]

Financial Planning

What the World Cup Final Can Teach Us About Investment Decisions

Before You File: A Tax Checklist for South African Retirees

Why Investors Spend More Time Choosing Holidays Than Structuring Wealth

What financial planning actually means

What does diversification actually mean in your investment portfolio?

The Power of Phasing In Capital When You Start Investing

Why Liquidity Matters at Every Stage of Life

Why Smart People Still Make Bad Money Decisions

Why Long-Term Investors Need Perspective During Short-Term Noise

Lifestyle Creep: The Quiet Threat to Building Wealth

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