SARS increased the annual TFSA contribution limit from R36,000 to R46,000. That's R10,000 more each year that can grow free from: • Income tax • Dividend tax • Capital gains tax Have you adjusted your contribution? #TFSA #Investing #HowToMoney #PersonalFinance #SouthAfrica

Same returns. Different order. Very different retirement outcomes. Poor returns in the first five years can permanently weaken a retirement portfolio. DM to test different market paths. Educational only. #HowToMoney #RetirementPlanning #SequenceRisk

Would you skip one inflation increase after a poor investment year? That small pause can give your portfolio breathing room and improve the chance your retirement income lasts. One skipped increase can protect many future payments. #RetirementPlanning #LivingAnnuity #HowToMoney

Your bank account has a pulse. A healthy cash-flow rhythm should recover after expenses, stay above buffer and leave room to save and invest. DM HowToMoney for a free 90-day Money Pulse review. Disclaimer: For educational and informational purposes only. Not financial advice.

ETFs can offer diversified, low-cost access to local and global markets - but choosing an ETF is not the same as having a retirement plan. Understand the investment, total fees, tax structure and retirement strategy. #ETFs #Investing #RetirementPlanning #HowToMoney

History helps us estimate returns, volatility and risk — but it cannot predict the future. That is why retirement plans should be tested across thousands of possible market paths, not one forecast. Past performance is not a guarantee of future results. #RetirementPlanning

Will your retirement savings last as long as you do? A single forecast cannot answer that. We model many possible market outcomes to assess how sustainable your retirement income may be. DM us for a personalised projection and retirement success probability. #retirement