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
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.
Early retirement – is it really feasible?
9 January 2024 · Fiona Zerbst
The idea of early retirement may be appealing, but achieving it can be a challenge. We find out if this is a realistic goal, and if so, how to realise it.
Investors: what’s your risk tolerance?
28 December 2023 · Fiona Zerbst
Your risk tolerance helps determine your investment strategy – but how do you find the right balance between risk and reward? We investigate.
5 Tips for wisely spending your bonus
7 December 2023 · Fiona Zerbst
A bonus is a windfall, but spending it unwisely can be a temptation. We consider how to use the extra cash to improve your financial position, and outline the pitfalls to avoid.
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.
Savvy Shopping Showdown
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!