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.
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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Articles and insights
Forex trading – is it worth the risk?
21 November 2023 · Lauren Burley Copley
New to forex trading? We share some key insights into the knowledge, skills, and discipline required to buy and sell currencies.
The best South African bank accounts for saving
07 November 2023 · Fiona Zerbst
Saving is a crucial step towards securing your financial future. We consider which South African bank accounts best help you to save.
“How I saved up for what I wanted”
02 November 2023 · Fiona Zerbst
Saving may seem daunting, but making small changes can help you achieve your goals. Three South Africans share their saving strategies.
Easy ways to invest in agriculture
31 October 2023 · Fiona Zerbst
Investing in the agricultural sector may seem out of reach to many, but crowdfarming can make this type of investment possible. We investigate.
Is it worth investing a small amount of money?
26 October 2023 · Fiona Zerbst
Investing helps you grow your money, but how do you know if you have enough set aside? We ask the experts when to save and when to invest.
Is your emergency fund big enough?
12 October 2023 · Fiona Zerbst
An emergency fund can provide you with a financial buffer in a crisis. We explain how sizeable an emergency fund should be, and how to save up for it.
Tax-free savings account or retirement annuity?
05 October 2023 · Fiona Zerbst
A tax-free savings account can contribute to retirement savings, but will it match the benefits of a retirement annuity? We ask the experts.
Why goal setting is the key to saving
03 October 2023 · Fiona Zerbst
Goal setting is vital to saving, providing you with direction and focus. This article explains how to set appropriate savings goals.
Why your property is not your pension
26 September 2023 · Siobhan Cassidy
For many South Africans bond repayment is the last financial goal, however, it's important to note how property differs from other investments, such as retirement annuities or pension funds.
Videos and podcasts you may enjoy
Savvy saving tips for Savings Month
The JustMoney team discusses the importance and benefits of saving. Watch the video for tips on how to save money.
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It’s been a year since Covid hit, and we decided to compare the prices of basic grocery items across three of the bigger supermarkets. Find out which is cheaper and whether it pays to shop around.
Kids say the darndest things – about money
It is important to teach your kids about money – how to save it, and how to spend it wisely. JustMoney spoke to some of our kids to understand their idea of what money and saving is. You won’t believe what some of them had to say!
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!