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Investing your money wisely is one of the best ways to secure your financial future. If you live in Cape Town and want to grow your wealth, understanding the top investments South Africa offers is essential. South Africa has a diverse economy with many options for investors. From property to stocks, and even small-scale ventures, there is something for everyone. In this post, I will guide you through some of the best ways to invest your money, helping you make informed decis

Planning for retirement can feel overwhelming. But it doesn’t have to be. With the right approach, you can build a secure financial future that lets you enjoy your retirement years without worry. I want to share some clear, practical steps to help you plan your retirement investment strategies effectively. Whether you are just starting or already saving, these tips will guide you toward making smart decisions. Understanding Retirement Investment Strategies Retirement investme

Investing your money wisely is one of the best ways to secure your financial future. But with so many options and complex information out there, it can feel overwhelming. I’m here to help you navigate this journey with clear, practical advice tailored for those living in Cape Town. Whether you’re just starting or looking to improve your current investment strategy, this guide will walk you through the essentials step by step. Why Expert Financial Advice South Africa Matters W

By Mzovuyo Mabandla, Financial Adviser at Liberty, Standard Bank Century City, Cape Town. A client asked me last week: What's the real difference between putting your money into banks vs companies like Liberty/Sanlam that do insurance and financial services? It's a good question many everyday South Africans are thinking about, especially with things like the recent interest rate cuts by the South African Reserve Bank (SARB) and a bit more hope after the 2024 elections. In ou

Story 1 – Thandi, 31, Uber driver & single mom, Mdantsane Thandi took out Lifestyle Protector in 2022 when she was still driving for Uber full-time. Premium: R487 a month for R50 000 monthly income protection + the free Child Illness Protector. In March 2024 her 6-year-old son was diagnosed with leukaemia. Child Illness Protector paid out R100 000 lump sum within 14 days – no questions, no medicals. Thandi stopped driving completely for 9 months to be with him at Frere Hospit

Athi is 18. He lives in Duncan Village, East London. Matric certificate still warm in his hand, he’s working the till at KFC in Hemingways Mall, taking home about R4 800 a month after UIF and transport. Every month he puts R500 – sometimes R300 when the month is tight – into a tax-free savings account. He chooses the Satrix MSCI World ETF because it’s cheap (0.35% fees) and gives him the whole world in one click. He’s not trying to get rich quick. He just doesn’t want to be b

In today's fast-paced world, understanding your financial future is more important than ever. With the right knowledge and tools, you can take control of your finances and build a secure future. This blog post will provide you with expert advice on how to navigate your financial journey. Financial literacy is not just for accountants or financial advisors. It is for everyone. Whether you are just starting your career, planning for retirement, or managing a family budget, unde

In today's fast-paced world, managing your finances can feel overwhelming. With so many options available, how do you know which path to take? At Liberty Financial Advisory, we believe that understanding your financial landscape is the first step toward maximizing your wealth. This blog post will guide you through essential insights and strategies to help you make informed decisions about your financial future. Understanding Your Financial Goals Before diving into investment

Investing can feel overwhelming, especially for beginners. With so many options available, it is easy to get lost in the details. However, smart investments can lead to financial freedom and security. In this post, we will explore essential financial tips that can help you make informed decisions and grow your wealth. Understanding the basics of investing is crucial. Before diving into specific strategies, let’s clarify what investing means. At its core, investing is the act