WHICH ARE YOU? Ever notice how two people can go through the same financial event, like a market wobble or an interest rate hike, and come out with completely different reactions? One stays calm, stays the course, and grows. The other panics, pulls out, and locks in a loss. Have you ever wondered what makes the difference? We have. And we’ve read up about it, too… We have learnt that it’s not just about portfolio size, investment knowledge, or even access to good information.

Retirement looks different for everyone. But whether you plan to spend your golden years jet setting around the world, playing on the beach with your grandchildren or tending to your garden, one thing is true: It’s going to cost you.

In the ever-evolving landscape of personal finance and wealth management, investors are faced with an increasingly wide array of choices. In South Africa, the investment universe has many options, from unit trusts and share portfolios to retirement annuities and tax-free investment accounts. Each type of investment comes with its own set of advantages and limitations, and their effectiveness often depends on the investor’s goals, time horizon, and tax considerations.