Connor Stubbs

It will all make sense one day.

[Connor Stubbs @ConnorStubbs10]

This pandemic has only made our music library’s better.

[GenZInvestor @GenZInvestor4]

The financial mistake that costs more than any other:

Not starting because you think you need a lot of money first.

R50 a month invested consistently for 20 years beats R10,000 invested once and forgotten.

Stop waiting for the "right amount." Start with what you have.

[GenZInvestor @GenZInvestor4]

Wealthy South Africans don't just earn more.

They structure their money differently.

Here are 4 accounts they use to legally pay less tax and compound faster, most of which you already have access to 🧵

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1. The TFSA

R46,000/year, R500,000 lifetime limit.

Zero tax on growth, dividends, or withdrawals. Ever.

The wealthy don't see this as a "savings account", they max it every year and fill it with high-growth assets.

It's the most efficient wrapper in the country.

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2. The Retirement Annuity (RA)

Contributions are tax deductible up to 27.5% of income.

Translation: the government reduces your tax bill for saving for your own future.

For high earners, this is one of the biggest legal tax breaks available.

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3. The tax-free "wrapper" - endowments

Less known, but powerful for higher earners.

Inside an endowment, income is taxed at a flat 30% and capital gains at roughly 12% effective.

If your marginal rate is above 30%, this structure can be more efficient than holding investments in your own name.

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4. The offshore account

Wealthy South Africans don't keep everything in rands.

Direct offshore exposure through a USD account or offshore-domiciled funds protects against rand depreciation and concentration risk.

You don't need millions. EasyEquities has a USD account built in.

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The takeaway:

Building wealth isn't only about picking the right investment.

It's about holding it in the right account.

TFSA → RA → offshore → endowment

The wealthy aren't smarter. They're just better structured.

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[GenZInvestor @GenZInvestor4]

The best ETF is the one you'll actually hold through a crash.

A "perfect" ETF you panic-sell in a downturn is worse than a "good enough" ETF you hold for 30 years.

Your behaviour matters more than your ticker choice.

Pick something diversified and boring. Then don't flinch.

[Connor Stubbs @ConnorStubbs10]

@AllisonLucas__ @MusaOzil__ @zulfikarsenal I'm the one that commented in the above picture, but I'm pretty sure it was all banter

[The Highbury Corner @HighburyCorner_]

Per Mertesacker knows… 😉

[Connor Stubbs @ConnorStubbs10]

@HighburyCorner_ @now_arsenaI I will do anything

[Connor Stubbs @ConnorStubbs10]

@HighburyCorner_ W journalism

[Connor Stubbs @ConnorStubbs10]

@CharlesHSavage @Arsenal @EasyEquities

[Connor Stubbs @ConnorStubbs10]

@elonmusk Bruh keep our name out your mouth

[GenZInvestor @GenZInvestor4]

I'm not sure exactly why I pay for my medical aid.

December 2024 I broke my ankle and they refused to pay a cent for anything.

September 2025, They refused to pay for my visit to the GP.

January 2026, they refuse to pay for my surgery to remove a tumor in my hand.

Every. Single. Time.

[GenZInvestor @GenZInvestor4]

Finally registered for my fourth and final year at varsity!

Hoping 2026 will be a great year. I have a lot lined up for the year.

Balancing work and university. I also plan to get registered this year as a financial planner if the stars align.

[GenZInvestor @GenZInvestor4]

Top performing ETFs on EasyEquities during 2025:

1) Satrix RESI: +151.14%
2) 1nvest Platinum: +122.48%
3) NewPlat ETF: +113.38%
4) Satrix Shari'ah Top 40: +89.77%
5) 1nvest Palladium: +81.32%
6) NewPalladium ETF: +78.30%
7) 1nvest Rhodium: +69.68%

Do you own any?🤔

[GenZInvestor @GenZInvestor4]

Best performing shares on the JSE in 2025:

1) Choppies Enterprises: +843.75%
2) Sibanye Stillwater: +323.49%
3) Northam Platinum: +254.90%
4) DRDGOLD: +251.93%
5) Gold Fields: +210%
6) Impala Platinum: +205.46%
7) Valterra Platinum: +158.27%
8) Harmony Gold: +137.36%

Miners🔥⛏️

[Connor Stubbs @ConnorStubbs10]

@grok add Rudolph the Red Nose Reindeer

[Connor Stubbs @ConnorStubbs10]

@grok add a picture of Santa to my family Christmas picture

[GenZInvestor @GenZInvestor4]

My third purchase using Bitcoin at Pick n Pay using @VALRdotcom pay.

This time, I got some wine (yes, box wine, I am a student😂😁) for Christmas Eve.

[Younginvestor @YoungInvestor03]

This is so cool, I've been earning passive income from my crypto every hour for the last few days on the @VALRdotcom app!

Check this out, I've been staking Avalanche with a 15% APR and Solana with a 9% APR.

It's so cool seeing my money work for me🔥🤩

[GenZInvestor @GenZInvestor4]

When you use money as a spending ticket:

• Money dissappears as soon as it's earned.
• Payday always feels like it's a countdown to broke.
• Lifestyle creep happens.
• Working until you die becomes a reality.

When you use money as a tool:

• You spend money to make more money.
• You become less stressed financially.
• Compound Interest works for you.
• Work becomes optional sooner.

Which path are you picking?

[GenZInvestor @GenZInvestor4]

I'm Shopping This December Using My Crypto

You can earn up to 100% CASHBACK on your purchases just by using VALR Pay.

For real, you can pay for groceries, coffee or fuel with crypto in SA 🇿🇦 using @VALRdotcom at any merchant where Zapper or Scan-to-Pay is enabled.

Here's how:🧵

[GenZInvestor @GenZInvestor4]

@YoungInvestor03 and I have decided that we will be staking crypto this month on the @VALRdotcom app to earn a little bit of extra cash.

Super stoked as I have never done this before.

Here is a tweet explaining exactly what staking is and how you can do it:
https://t.co/00FU7b4PTr