Savings and investments play an important role in your financial well-being. Make good money choices by knowing the options that cater to your short and long-term needs.
Overview
Did you know? Only 8% of South Africans can maintain their standard of living and are set to retire comfortably. However, it’s never too late to start investing.
Saving and investing may sound like the same thing, and to some degree, they are. They both involve setting aside money for your future benefit. Savings are funds that are kept aside to achieve short-term goals. Investments, on the other hand, are assets that are acquired with the aim of increasing income over the longer term.
We explore the differences between saving and investing, and consider how you should decide which one to pursue.
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Quick guide
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Secrets to a successful stokvel
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Articles and insights
Rethinking insurance? How to navigate risk in a changing world
2 April 2024 · Fiona Zerbst
As financial priorities shift, many people – particularly younger consumers – are reconsidering insurance. We investigate alternative ways to manage your risk.
Get the best out of your solar investment
29 February 2024 · Fiona Zerbst
With load shedding showing no sign of abating, solar installations are increasing in popularity. We investigate how to make the most of a solar investment.
Should you top up your retirement annuity?
22 February 2024 · Fiona Zerbst
Making additional contributions to your retirement annuity can benefit you greatly. We explore why and when you should consider topping it up.
Stokvels – how to invest safely
13 February 2024 · Marlize De Villiers
Stokvels provide a practical and simple way to save by pooling money with others. We explore their mechanics, and how to choose one that suits your needs.
“How I manage my finances as a retiree”
8 February 2024 · Fiona Zerbst
Persistently high inflation rates are taking their toll on pensioners. We explore what three senior citizens are doing to protect their financial wellbeing in retirement.
How to manage university costs
30 January 2024 · Fiona Zerbst
With the cost of tertiary education rising above inflation, it’s vital to manage the associated expenses. We explore how students and parents can make smart financial choices.
How to choose the best bank account for your child
25 January 2024 · Marlize De Villiers
Most banks offer accounts for young customers. We outline how to find the best option for your child, explore the available products, and compare their benefits.
Saving or investing? Explore your options
23 January 2024 · Fiona Zerbst
Saving or investing – which is best for building your nest egg? Two financial planners provide tips.
Want to leave a financial legacy? Here’s how
18 January 2024 · Fiona Zerbst
Leaving a financial legacy can help you secure intergenerational wealth – but you will need a well-considered plan. We examine how to lock in value for your family.
Videos and podcasts you may enjoy
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The JustMoney team discusses the importance and benefits of saving. Watch the video for tips on how to save money.
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Keep track of your financial wellness
To qualify for financial products, you will need a favourable credit score. Therefore, it’s important to regularly check your credit report and take active steps, if needed, to improve your score. By registering with JustMoney, you will gain access to your free credit report and a credit dashboard. Your credit score will be shown within a range of bad to average to good, numbering from 1 to 1,000. Your financial decisions will impact your score – click to see yours now!
