Knowledge Hub | Sanlam

Less money, more month is now a harsh reality for many South Africans. Surviving the current economic downturn isn’t just about cutting back, it’s about protecting your future and avoiding quick fixes that may feel sensible in the moment, but could end up undermining your long-term financial security. In this article, Lee Hancox, head of Channel and Segment Marketing at Sanlam, will help you decide what can change in your budget – and what you shouldn’t cut – so you can survive today while keeping your long-term plans on track.

Savings

24 Jul 2026

Ugandan Business Journalist Deogratius Wamala wins 2025-26 Sanlam Financial Journalist of the Year

Business journalist Deogratius Wamala of Uganda's Daily Monitor has been named the 2025 Sanlam Group Financial Journalist of the Year. The award was presented at a gala dinner in Johannesburg marking the 51st anniversary of the prestigious awards.

25 Jun 2026

Sanlam Benchmark Survey: When a ‘small bet’ becomes a big problem

A new 2026 Sanlam Benchmark Survey reveals that gambling is becoming less of a casual pastime and more of a financial coping mechanism for many South Africans.

Articles

03 Aug 2026

Make Every Rand Work Harder: Why a Retirement Annuity or TFSA Top-Up Matters

Don't let unused tax benefits go to waste. Whether you're saving for retirement or building wealth for future goals, topping up your RA or TFSA can help you make the most of tax-efficient investing and long-term growth. Find out how a strategic top-up today can help strengthen your financial future.

03 Aug 2026

10 Small money habits that could help you save over time

This article shares ten practical money habits you can consider starting today, even on a low or irregular income, to help you stretch your rand, build some financial resilience, and feel more in control of your money.

03 Aug 2026

How to build a realistic emergency fund in 2026

This article will help you to assess how much your emergency fund should be in today's cost environment, take a first realistic step to build or top it up, choose where to keep it, and know when to review it.

03 Aug 2026

How to set financial goals you can actually achieve

South Africa has among the lowest household savings rates globally, with recent Statistics SA data showing a near‑zero or even negative savings rate. This article will help show South Africans how thoughtful planning and consistent saving can help them enjoy a financially secure and fulfilling life.

03 Aug 2026

How to maximise your tax-free savings account

A tax-free savings account (TFSA) is one of the most accessible ways to grow money in South Africa without paying tax on the returns. To maximise yours this tax year, contribute steadily within the annual limit, stay under the R500 000 lifetime cap, and treat it as a long-term investment rather than a spending account.

02 Jul 2026

Your New Year’s Budget No Longer Matches Your Reality: Here’s What To Do This National Savings Month

That which was true for your January budget – your monthly petrol allowance, electricity bill estimates, grocery allocations – will likely be well out of date. But rather than putting your head in the sand, July is an excellent time to relook your budget, regrouping to make sure you stay on top of your short-term finances and that you keep an eye on your medium and long-term goals.

02 Jul 2026

Common Life Insurance Mistakes (And How To Avoid Them)

Most people who discover a problem with their life insurance cover do so only when it’s time to claim, by which point it’s too late to fix. Whether it’s forgetting to update beneficiaries or not disclosing important details, seemingly small mistakes can have major financial consequences. We’ve highlighted six common mistakes people make with their life insurance cover and how to avoid them.

02 Jul 2026

When emergencies shape behaviour, cancelling insurance cover can deepen risk

As South Africans come under growing financial pressure, some are making financial trade-offs to free up emergency cash – like cancelling or suspending their insurance cover. But let’s say you want to cancel (or pause) your insurance premium payments. What are your options, and what actions can you take to keep your cover in place?

01 Jul 2026

Your first payslip: A guide to managing your finances.

After years of studying, side hustles, internships or job hunting, there's finally money landing in your account with your name on it. Then it arrives and disappears almost immediately. Getting your financial life on track doesn't require a massive salary. It starts with a few smart habits from your very first payslip. Here’s a six-step playbook for making better money moves, right from the start.

30 Jun 2026

What The Polygamist teaches us about family affairs

The Polygamist has sparked conversations about love, family and inheritance. Discover the estate planning lessons behind the drama, and why a valid will, trusts and a clear succession plan are essential for protecting complex family structures and preserving your legacy.

30 Jun 2026

This Father's Day: The Estate Planning Steps Every Dad Should Take

Father’s Day is often filled with small gestures of gratitude, like a phone call, a handmade card, and the predictable pair of socks, or biltong. Father’s Day is also a reminder that love is not only expressed in what we do for our families today. It’s reflected in the plans we make for their future.

25 Jun 2026

The Cost of Delay: Sanlam Benchmark Reveals South Africans Plan Too Late

The 45th Sanlam Benchmark Survey, released today, has found that South Africans believe retirement planning should begin around age 35, however on average they seek financial advice just 20 months before retiring.

18 Jun 2026

Can I trust AI-powered health tools with my health?

Wearables that flag an irregular heartbeat. Apps that scan moles for skin cancer. Hospital platforms that read retinal scans in seconds. AI-powered health tools are now part of how South Africans engage with their wellbeing.

21 May 2026

Sanlam reports resilient financial performance and a strong financial position start to 2026

Sanlam delivers strong Q1 2026 performance amid global headwinds. Supported by resilient client activity and robust growth in new business, the group sustained solid earnings growth and capital levels despite volatile operating conditions and severe weather-related claims.

25 Mar 2026

Sanlam gives AI a seat in the c-suite: SA insurance group appoints Group Chief AI Officer

Sanlam has appointed its Group Chief Technology & Information Officer, Theo Mabaso as Group Chief AI Officer on its Group Exco.

12 Mar 2026

Sanlam reports strong performance in 2025 annual results

Sanlam delivered strong 2025 results, achieving record new business of R496 billion, a 22% increase driven by strong asset management inflows and broad-based growth across life and general insurance.

03 Mar 2026

Your tax debt can delay your family’s inheritance

South Africa, February 2026: When someone dies, the South African Revenue Service (SARS) doesn’t close their tax file. Any outstanding tax returns, assessments, or unpaid tax can become a priority claim against the deceased estate

26 Feb 2026

South Africa’s 2026 Budget Speech

In this video, our Chief Economist, Arthur Kamp, unpacks what the key announcements from the 2026 National Budget Speech mean for growth, policy credibility and financial markets.

26 Feb 2026

What the 2026 Budget Speech means for your pocket

Roxanne Tobias, Actuary and Head of Marketing & Communications at Sanlam Risk & Savings, says: “The tone of this year’s Budget Speech was noticeably more constructive, and it’s encouraging to see measures that give households breathing room, especially through personal income tax relief and stronger incentives to save. The key is to translate those announcements into practical steps in your own budget.”

26 Feb 2026

SLS Legal Services - Budget Speech Highlights

The 2026 National Budget Speech, delivered by the Minister of Finance, Minister Enoch Godongwana on 25 February 2026, highlights South Africa’s progress toward fiscal stability and renewed economic confidence as the country moves beyond years of financial strain and structural challenges.

26 Feb 2026

Key takeaways from the 2026 National Budget

Gross tax revenue for 2025/26 is revised upwards by R21.3bn compared with the 2025 Budget. The tax‑to‑GDP ratio increases to 25.9%. The R20bn tax increase previously penciled in for the 2026 Budget is withdrawn. Personal income tax brackets and medical tax credits will be adjusted for inflation, after two years with no inflationary relief. Certain tax thresholds and limits are also adjusted for the impact of inflation, to assist small businesses and encourage savings.

25 Feb 2026

Budget 2026: First step to a better track record?

Arthur highlights the importance of growing the economy faster on a sustainable basis. Absent this, the fiscal math does not add up. In turn, this speaks to the need for the completion of South Africa’s economic reform programme. A good start has been made on improving electricity and transport infrastructure under Phase I of Operation Vulindlela. Attention now turns to Phase II, which includes a focus on structural reforms in local government.

25 Feb 2026

Budget 2026: What South Africans Refuse to Cut from Their Personal Budgets

The things we protect in our lives often matter as much as the policies debated in Parliament, and a Sanlam survey aims to shed light on the deeply personal choices behind household budgets. It shows that while money is tight, South Africans are steadfast about what they refuse to compromise on.

11 Feb 2026

Sanlam renews title sponsorship of the Sanlam Cape Town Marathon through to 2031

Sanlam and the Sanlam Cape Town Marathon have confirmed the renewal of Sanlam’s title sponsorship for a further five years, securing the partnership through to 2031.

05 Feb 2026

Sanlam launches ZARU Stable Coin with Industry Partners

Now Open to Qualifying Participants Launch of New Digital Currency 'ZARU' to Bring the South African Rand to the Global Internet Economy

11 Dec 2025

Home for the holidays? The perfect time for family chats about estates

Home for the holidays is the perfect moment for families to have crucial estate planning conversations, especially when assets and loved ones are spread across multiple countries. David Thomson CFP unpacks why global estate planning matters.

03 Dec 2025

Don't put scams on your festive 'VISHLIST'

Over the past year, financial institutions, regulators and law-enforcement partners have seen a noticeable escalation in fraud cases involving fake investment opportunities, advance-fee schemes and identity impersonation.

24 Nov 2025

SA Reaches Highest Financial Confidence Yet

South Africans’ financial confidence has reached its highest level in three years, rising from 47 in 2024 to 53 (out of 100) in 2025.

13 Nov 2025

Sanlam Operational Update 30 September 2025

Sanlam reported in its nine-month operational update that it continues to deliver positive results across key lines of business.

13 Nov 2025

South Africa’s G20: Tackling the Issues That Matter Most

The G20 is, arguably, the world’s most influential economic forum. Far more than a diplomatic milestone, it is a real chance to ensure African priorities shape global solutions.

23 Oct 2025

Africa's Digital future can't wait - A G20 wake-up call

As the world’s leading economies prepare to converge in Johannesburg for the 2025 G20 Summit in November, Africa stands uniquely poised – not just as a host, but as a voice for emerging markets.

16 Oct 2025

2025 Capital Markets Day

Sanlam highlights its strategy, growth ambitions and revised financial goals at the 2025 Capital Markets Day.

01 Oct 2025

Evidence-based strategies to close digital skills gaps are well within Africa’s grasp

Africa faces a growing digital skills gap as technology, data and AI rapidly advance. Public-private partnerships can offer solutions, but strategy development requires collaboration among government, industry, and educational stakeholders.

17 Sept 2025

2025 Sanlam Legacy Wills Survey Report

The 2025 Sanlam Legacy Wills Survey reveals a concern: will-drafting among South Africans has dropped to 34% (from 39% in 2024), while 66% still don’t have a will. Dive into what motivates people to draft wills—and what we can do to help more move from intention to action.

04 Sept 2025

Sanlam 2025 Interim Results

Sanlam reports strong growth and operational performance in its 2025 interim results, despite a challenging operating environment.

13 Aug 2025

The skills dividend: Africa’s youth is the world’s most valuable asset

By 2035, more young Africans will join the workforce annually than the rest of the world combined. Being home to the world’s youngest population is an opportunity – a vast pool of energy, creativity and ambition – making Africa’s youth the world’s most valuable asset.

04 Aug 2025

Build Generational Wealth: Leave a Legacy That Lasts

Leaving a Legacy Is About More Than Money Generational wealth is about more than financial assets, it’s about the values, knowledge and skills we pass down to secure a stronger future for our families.

04 Aug 2025

Protected Inheritances: How to Keep Assets in the Family

Protected Inheritances – Keeping It in the Family Your assets should go to the people you intend. Discover how a clear, updated will can protect inheritances and keep family assets secure for future generations.

04 Aug 2025

Does Your Family Structure Change How You Draft Your Will?

Does Your Family Structure Change How You Draft Your Will? Your family structure influences how your will is drafted. Ensure your wishes are clear and your loved ones are cared for.

01 Aug 2025

Fiduciary Estate Planning | Secure Your Legacy with Sanlam

Making the right estate planning choices today ensures your legacy is protected tomorrow. Learn how a fiduciary-first approach keeps your loved ones’ best interests at the heart of every decision.

15 Jul 2025

Africa’s Untapped Blue Economy Could Unlock Millions of Jobs For SA’s Youth

Africa faces soaring youth unemployment and the green economy offers hope through climate-aligned job creation. Yet, one area remains largely overlooked - Africa’s vast blue economy.

30 Jun 2025

Do interest rates really matter when settling debt?

As the interest rate fluctuates, you may have wondered what impact this has on your outstanding debt. How much more or how much less will you pay as a result?

25 Jun 2025

South Africa Hosts the G20 in 2025

South Africa is taking centre stage in global affairs in 2025 as we host the G20 Summit in November. But what exactly is the G20 - and why should it matter to you?

12 Jun 2025

A Father’s Day ‘fintervention’ - What financial DNA did Dad give you?

Cape Town, June 2025: It’s Father’s Day – that time of year when we celebrate our father figures: the dad jokes, the dodgy dance moves, the questionable music taste. And depending on your age, you might even be catching yourself doing the same cringey things your Old Man did. But there’s something else we are likely to have inherited – our dad’s financial DNA.

03 Jun 2025

Sanlam Pays Out R6.62 Billion in Claims in 2024

Cape Town, 27 May 2025 – Sanlam Risk and Savings paid out R6.62 billion in individual insurance claims in 2024 (up 9.24% from 2023), with a sharp increase in cancer claims, and cardiovascular claims showing an uptick compared to last year.

06 Jun 2025

Lizeka Mda Joins Independent Judging Panel

Ms Lizeka Mda has joined the independent judging panel of the Sanlam Group Awards for Excellence in Financial Journalism.

02 Jun 2025

SANParks and Sanlam Expand Zero-Interest SMME Loans to Table Mountain National Park

Small business suppliers near Table Mountain National Park are set to benefit from interest-free loans, thanks to the expansion of the Sanlam Group and SANParks SMME Support Programme. Aimed at promoting economic inclusivity, the initiative now extends to suppliers within a 50km radius of the park, following its success in Kruger, Garden Route, and Addo Elephant National Parks.

21 May 2025

Sanlam Salutes the Cavaliers’ Return to the Currie Cup Premier Division

Sanlam congratulates the Sanlam Boland Cavaliers on their triumphant return to the Currie Cup Premier Division, marking their first appearance since 2016. As the team's title sponsor, Sanlam celebrates the Cavaliers' grit and determination, which have inspired pride, unity, and hope across the Boland region.

15 May 2025

Sanlam Reports Strong Q1 2025 Performance

Sanlam today announced a strong start in its operational update for the three-months ending 31 March 2025, in a period marked by escalating geopolitical tensions and shifting economic policies.

16 Apr 2025

Have a Little R.E.S.P.E.C.T for My Wishes

Drafting a will ensures your final wishes are respected, and could save your loved ones from long and potentially expensive legal disputes.

16 Apr 2025

Estate Planning for Disabled Loved Ones

An estimated 70% of South Africans do not have wills. This is especially concerning for parents of children with disabilities.

15 Apr 2025

Your Will vs Your Family Structure

South Africa is a diverse country that is home to families of all shapes, sizes and descriptions – nuclear, blended, extended, and more.

15 Jan 2025

80 Is SA’s Real Retirement Age

Most of us think we’ll retire at 65. However, the reality is quite different. According to Sanlam Corporate’s internal member data, South Africa’s true retirement age – the age at which most citizens can afford to retire comfortably – is closer to 80.

29 Nov 2024

Breakthrough HIV Vaccine Innovation – A Game-Changer for South Africa

South Africa is on the brink of transformative progress in managing HIV, thanks to groundbreaking advancements in vaccinations and emerging treatment public health outcomes and insurers’ support for people living with HIV.

29 Nov 2024

Burnout and Black Friday – How to Spend Smart this Festive Season

As year-end approaches, burnout starts to creep in for many South Africans, often coinciding with the allure of Black Friday and the festive season sales.

29 Nov 2024

Don’t Let Black Friday Take You into the Red

This Black Friday, resist the urge to "spave" – spending to save on deals you might not need.

26 Nov 2024

A Single Mom’s Guide to Guardianship

As a single mom, planning for your child’s future is essential, especially if you're not on good terms with the other parent.

21 Nov 2024

New SMME Fellows Bring Hope For SA

Sanlam and the University of the Western Cape (UWC) celebrated the first graduating class of the Fellows Leadership and Mentoring Programme, designed to equip small businesses with the skills and support necessary for sustainable growth...

14 Nov 2024

Sanlam Reports Robust Operational Update

Sanlam today announced its operational update for the nine-month period ending 30 September 2024, maintaining the positive performance seen in the first half of the year, with continued double-digit growth on most key earnings and new business metrics.

24 Feb 2024

Key takeaways from the 2024 National Budget

Tax revenue performed better than expected in 2021/22 and 2022/23, largely as a result of higher commodity prices. Over the past year, however, many of the risks identified in the 2023 Budget Review have materialised.

21 Feb 2024

Budget Speech 2024 – Take a Look in the Mirror and Budget Speech Yourself

Minister Godongwana continues to walk a tricky tightrope, determinedly working to decrease government borrowing, while aiming to bridge the gap between revenue and expenses. For many South Africans, this narrative is all too familiar.

21 Feb 2024

Budget 2024: Budget Execution Risk Is High as the Treasury Hits Taxpayers

Budget 2024 reflects a familiar outcome. The government’s debt ratio continues to drift higher over the next two years amid a tepid economic growth rate and growing demands for additional expenditure. These pressures have resulted in significant revenue-raising measures aimed mainly at personal income taxpayers over the next three years.

16 Jan 2025

Sanlam Recognised as a Top Employer for the Tenth Year Running

Sanlam has been ranked the 10th Top Employer in South Africa for 2025, based on the Top Employers Institute's global ranking methodology.

13 Mar 2025

Budget Speech Highlights

The issues that the Budget addressed were economic growth, the Public Wage Bill, growing deficits and finding revenue to fund the economy.

13 Mar 2025

The 2025 National Budget

The 2025 National Budget brought news of a lower VAT increase than initially proposed – but included a commitment to spending restrictions.

13 Mar 2025

Key Takeaways from the 2025 National Budget

Our Finance Minister delivered a revised budget on Wednesday, with a smaller proposed increase in VAT than what was planned in February.

18 Jun 2025

Why the Budget Speech Matters to You

Roxanne Tobias shares her Budget Speech insights and how it will influence your budget.

16 Jan 2025

Sanlam Recognised as a Top Employer for the Tenth Year Running

Sanlam has been ranked the 10th Top Employer in South Africa for 2025, based on the Top Employers Institute's global ranking methodology.

26 Jun 2025

It’s Only Dangerous When We Panic

It’s human to feel unprepared when something hard hits. And when we feel unprepared, we panic. But panic doesn’t fix anything… it only makes it worse. Panic drives us to cash out investments, cancel vital cover, or make hasty choices that compound the damage.

26 Jun 2025

Preparing for Rain

Did you ever go exploring at the back of your Gogo’s kitchen cupboard, and find a rusty old tin with folds of cash stashed away? Generations ago, people saved money in old coffee tins and tea boxes. These ‘rainy day funds’ weren’t flashy, but they worked. They covered the car repairs, the broken toilet and the emergency doctor’s visits.

26 Jun 2025

Crisis is Inevitable

Several years ago, our world was rocked by a crisis that none of us could have imagined. Some of us are still recovering from the losses experienced; we hope that you’re one of the few who are hopefully growing from the lessons learnt.

16 Feb 2022

Financial Planning for Your Parents

As we become adults, our parents reach an age where it becomes our turn to help them with their finances.

08 Mar 2022

What Do You Focus on in Your Financial Plan?

Financial planning is about so much more than making and sticking to your budget. That’s just the entry point.

08 Mar 2022

What Succession Financial Planning Looks Like

Financial planning is a personal journey, because whilst we think money might be universal, it’s deeply personal.

08 Mar 2022

It’s More Than Wealth, It’s About Living Well

As Forrest Gump once said, “There’s only so much money a man really needs; the rest is just for showing off.”

20 Apr 2022

Strategic Thinking

Strategy is deciding where you want to be and how you’re going to get there. We list five steps to get there.

20 Apr 2022

The Heart of Successful Financial Planning

How you work with money is linked to how you live your life; so too is the heart of successful financial planning.

20 Apr 2022

Go SWOT Yourself

Without a plan, our future goals won’t become a reality. SWOT is a process to help you put a plan in place.

04 May 2022

Insecurity Can Lead to Insight

It is normal to feel anxious during times of insecurity and crisis, but you have the power to overcome obstacles.

04 May 2022

The Importance of Thinking Ahead

When it comes to your financial plan, you should take control and not only react to your decisions’ consequences.

04 May 2022

It’s About the Team, Not the Race

At SFP, we’ve found that those who join a winning team experience more success than those who try to go it alone.

05 Dec 2022

Can You Survive Without an Income?

Many clients struggled economically in lockdown, so we’d like to take a moment to discuss income protection.

05 Dec 2022

Insulate and Protect Your Assets

Adequate asset protection should be in place before a claim or liability occurs.

05 Dec 2022

The End-of-year Clarity

With another year almost done, you may need to check your risk and protection planning for all those “what ifs”.

23 Jan 2023

Ask for Help

You’re not weak, everyone needs support. We thrive when we work together, so do not hesitate to ask for help.

23 Jan 2023

How to Be More Productive

This article discusses four tips you can apply today to be more productive.

23 Jan 2023

Gifts That Can't Be Wrapped

Giving to yourself may sound selfish, but self-care is important and will leave you with more to offer others.

01 Mar 2023

Monotasking for the Win

In today’s digitally overwhelmed world, multitasking may not be as healthy as we’ve been led to believe.

02 Mar 2023

Temperament, Not Intellect

“The most important quality for an investor is temperament, not intellect.” — Warren Buffett

01 Mar 2023

Seeing right

Meaningful living comes from focusing on the positives. At SFP, we strive to look for colour and fluidity in life.

13 Aug 2025

Questions every woman should ask herself

South african women are critically undercovered, despite growing role as breadwinners

23 Oct 2025

A look inside our inaugural #SanlamSMMECollective

Over 500 passionate entrepreneurs joined us to make a collective commitment to South Africa’s business backbone.

18 Sept 2025

Sanlam Corporate & B20: The Workplace is Key to Unlocking Financial Inclusion

As South Africa takes on a leadership role within the B20/G20 in 2025, the global focus on inclusive growth is intensifying. Sanlam Corporate believes that one of the most powerful, and often overlooked ways to advance financial inclusion is through the workplace.

12 Jun 2025

Sanlam Supports South Africa's G20 Presidency

The Sanlam Group – together with its subsidiaries - SanlamAllianz and Santam – today announced its sponsorship of the Group of Twenty (G20) summit, set to take place in Johannesburg in November this year.

17 Jun 2025

It's time to accelerate a better working South Africa - with confidence

As Sanlam Corporate gear’s up to release their 44th Sanlam Benchmark research, we are once again faced with the reality that, when it comes to retirement, expectation often does not meet reality.

01 Mar 2026

Which everyday money habits are secretly hurting your credit score?

As National Debt Awareness Month has just drawn to a close, many of us are feeling the strain of what’s often referred to as the annual ‘debt hangover’.

01 Feb 2026

An adviser’s guide to navigating rands, sense, and relationships

Sanlam’s 2025 Financial Confidence Index reveals that only 33% of South Africans say they don’t feel scared or self-conscious talking about money. This means almost two-thirds still find “money talk” awkward or taboo.

11 Feb 2026

Love, loans and credit scores – why money talk is the new love language

This Valentine’s Day, as couples cosy up over candlelit dinners, there’s another kind of intimacy that deserves attention: financial honesty. With many South Africans feeling the squeeze of rising living costs, it’s no surprise that money is a major source of tension in relationships. In fact, according to the 2025 DebtBusters Money-Stress Tracker, 91% of respondents felt that money stress affected their home life.

07 Jul 2026

Sanlam SANParks SMME Fund Surpasses R50 Million Milestone Through Interest-Free Funding for Rural Businesses

More than R50 million has now been deployed through interest-free funding to small, medium and micro enterprises (SMMEs) operating in communities surrounding South Africa's national parks through the Sanlam-SANParks SMME Fund.

Learning

30 Jul 2026

Protect Your Momentum: The Hidden Cost of Disrupting Your Retirement Annuity

The value of a Retirement Annuity isn't only measured by your contributions. It also includes the benefits that accumulate over time, such as compound investment growth, tax advantages, and rewards like Sanlam's Wealth Bonus. Understanding these benefits can help you appreciate the full value of maintaining your retirement savings strategy for the long term.

27 Feb 2026

Death and Taxes

Keeping your SARS tax affairs in order is more than a legal obligation. It is a key part of protecting your estate, preserving your legacy, and ensuring your loved ones are not burdened with unnecessary costs or delays after your passing.

23 Oct 2025

Life Without the Job Title: Conversations in Retirement

Life Without the Job Title: Conversations in Retirement is a video series that follows real South Africans as they navigate one of life’s most profound transitions: retirement. But this isn’t a series about financial planning — it’s a series about people.

11 Feb 2025

Legacies of Love

In South Africa, about 20 million people, or half the working population, have active debt. Many may not realise that this debt will not disappear when they pass on but will be transferred to their next of kin.

28 Aug 2025

Maintenance defaulters face new credit penalties

Parents who fall behind on maintenance payments now risk credit score drops and denied loans. Learn how the new rules work and how to stay compliant.

28 Aug 2025

Marital contracts explained: Protecting love and your estate

Before saying “I do”, understand your marital contract and its impact on your assets and inheritance. Learn how the right contract can protect your estate and loved ones.

28 Aug 2025

Secure your legacy: Estate planning for vulnerable loved ones

Protecting vulnerable loved ones starts with protecting your legacy. Thoughtful estate planning helps ensure their future security, care, and quality of life.

28 Aug 2025

Securing the legacy of orphaned minors

Beneficiary funds play a vital role in protecting South Africa’s orphaned minors. By safeguarding their inheritance, providing financial security, and ensuring access to education and care, these funds help secure a brighter future for vulnerable children.

28 Aug 2025

The State of Wills in South Africa

The 2024 Sanlam Legacy Wills Survey reveals that while 98% of South Africans want to leave a legacy, only 39% have a will. This disconnect highlights the critical role advisers can play in turning intent into action.

12 Nov 2025

How to Budget When One of You Sticks to the Shopping List

Couples often have very different shopping ‘personalities’. One partner arrives with a precise list and sticks to it; the other leaves with the latest cereal flavour, chocolate slab or magazine, and forgets the milk!

09 Mar 2026

YOUNG, SMART, SCAMMED Why reporting is the best defence against fraud

South Africa ranks among the countries most exposed to scam attempts globally – with one in five of us saying they experience at least one scam attempt every day, according to the Global Anti-Scam Alliance (GASA) Global State of Scams 2025 Report.

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