HowToMoneySA

Smarter money guidance for South Africans: save, invest, insure, tax, estates and retirement. Education only, not advice. DM for personal planning.

[HowToMoneySA @HowToMoneySA]

2025 living annuity stats are coming soon.

Latest ASISA data shows average drawdowns fell from 6.6% in 2023 to 5.6% in 2024.

Good sign,but it’s fund-size weighted, so larger portfolios influence average.

Money habit: review your drawdown yearly.
#HowToMoney #RetirementPlanning

[HowToMoneySA @HowToMoneySA]

A fake fine can become a real loss.

The RTMC warns that fake NaTIS fine emails are circulating and pushing people to pay through fraudulent links.

Money habit: never pay a fine from an email link.
Pause. Verify first.
#HowToMoney #ScamAlert #PersonalFinance #SouthAfrica

[HowToMoneySA @HowToMoneySA]

South African household debt:
61.8% = household debt vs yearly after-tax income
52% = share of debt linked to mortgages/home loans
8.4% = after-tax income used to service debt
Question: what % of your income goes to debt each month?
#HowToMoney #Debt #PersonalFinance

[HowToMoneySA @HowToMoneySA]

South Africans may be funeral-covered, but income-undercovered.ASISA found formally employed South Africans had enough life & disability cover for only 39% of the income families would need after death/disability.Funeral cover pays for the event.
Income cover protects life after.

[HowToMoneySA @HowToMoneySA]

The latest headline is not your strategy.
Markets move. Headlines shout.
But your long-term plan should not change every time the news cycle gets louder.
Money habit: pause before reacting.
Ask:
Has my goal, time horizon, plan changed?
#HowToMoney #Investing #PersonalFinance

[HowToMoneySA @HowToMoneySA]

Salary Growth vs CPI 📈

CPI is now 4.5%.

If your raise is higher than that, you're ahead...

...unless lifestyle inflation catches you first.

💡 Save or invest 50% of every increase.

#HowToMoney #PersonalFinance #SouthAfrica #Investing #Budgeting

[HowToMoneySA @HowToMoneySA]

Don’t confuse volatility with failure.
The JSE ALSI was down about -4.8% in the first half of 2026.
When markets fall, the biggest risk is not always the market. Sometimes it is panic.
#HowToMoney #Investing #PersonalFinance #JSE #BehaviouralFinance

[HowToMoneySA @HowToMoneySA]

SA household saving ratio: -1.4%
That means households are, on average, spending more than their disposable income.
For many people, the money runs out before the month is over.
Money habit: On payday, save first even if it starts with R100.

#HowToMoney #Savings #PersonalFinance

[HowToMoneySA @HowToMoneySA]

Will your retirement income last as long as you do?

Retirement could last 20 years.
30 years.
Maybe longer.
The exact number is unknown.
That’s why drawdown rate, fees, investments and inflation matter.

#HowToMoney #RetirementPlanning #LivingAnnuity

[HowToMoneySA @HowToMoneySA]

Lower retirement fund costs mean more of your own contribution stays invested.

Admin fees in typical SA umbrella funds have fallen from 1.63% (2006) to 0.25% (2026).

Small percentages can make a big difference over decades.

#HowToMoney #Retirement #Investing

[HowToMoneySA @HowToMoneySA]

Retirement success is not only about return. It is also about cost.

If fees are lower, more of your money stays invested and compounds.

Money habit: check your retirement fund statement once a year and ask what you are paying in total.

#HowToMoney #RetirementPlanning

[HowToMoneySA @HowToMoneySA]

Gold may no longer back currencies - but it still backs confidence.

Gold remains a key reserve asset for diversification, crisis protection and trust.

Source: World Gold Council
#HowToMoney #Gold #GoldReserves #Economics

[HowToMoneySA @HowToMoneySA]

A R1,750–R3,000 Ellis Park ticket may look cheaper than NFL, NBA or FIFA WC tickets.

But relative to SA earnings, it can absorb about 6-10% of average monthly pay.

Affordability is not just the price.

It is the price compared 2 income.

#HowToMoney #Springboks #MoneyLessons

[HowToMoneySA @HowToMoneySA]

Your family doesn't inherit your will.

They inherit your plan.

A will is essential, but it's only one piece of estate planning.

Would your family know where to find everything if something happened to you today?

#HowToMoney #EstatePlanning #Legacy

[HowToMoneySA @HowToMoneySA]

#howtomoney

[HowToMoneySA @HowToMoneySA]

A lower monthly car payment doesn't always mean a cheaper car.

It could mean:

• Longer term
• Balloon payment
• More interest
Always ask:
"What will I pay in total?"

#HowToMoney #PersonalFinance #CarFinance #MoneySmart

[HowToMoneySA @HowToMoneySA]

The last five years before retirement are a runway, not a waiting room.

Review:
• income need
• drawdown
• tax
• liquidity
• investment risk

What you do before retirement can shape decades of income.

#HowToMoney #RetirementPlanning #RetirementIncome

[HowToMoneySA @HowToMoneySA]

Retirement can last 30 years or more.

Average life expectancy is not enough for retirement planning.

Longevity is a range, not a date.

A long life needs a long income plan.

#HowToMoney #LongevityRisk #RetirementPlanning

[HowToMoneySA @HowToMoneySA]

Your financial profile is becoming much bigger than your bank balance.

Understanding your data is becoming just as important as understanding your money.

Know what you're agreeing to.

#HowToMoney #FinancialLiteracy #ConsumerFinance #DataPrivacy

[HowToMoneySA @HowToMoneySA]

Received a SARS auto-assessment?

Don't assume "auto" means "correct".

Before clicking Accept, check:

✔ RA contributions
✔ Medical aid
✔ Investment income
✔ Donations
✔ Bank details
Two minutes could save you money.
#TaxSeason #SARS #HowToMoney