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Financial planning


Save & Invest

I don't have enough money to save or invest...

Do you find yourself in the same situation?

Saving often seems hard at the beginning because it requires discipline and patience. Most people think they don't have enough money to save but you can start saving with just R5! The most important thing is to have a goal and plan for how to get there.


Set a savings goal

Determine if it is a short-, medium- or long-term goal.

What's your savings goal?

Determine how much you need to save monthly to achieve your goal.

Adjust your budget to reduce unnecessary expenses.

Add your savings amount to your budget.

Ensure your money is transferred to a separate savings account.

Practical ideas to start saving

  • Cut down your spending on luxuries like expensive clothes, takeaways, alcohol, cigarettes and entertainment.
  • Reduce your usage of electricity, airtime and water.
  • Grow your own vegetables and take lunch from home.
  • Save money by repairing broken items, recycling, repurposing or reusing things instead of simply buying new items.

Also remember

  • You don't need a lot of money to save. Every little bit counts.
  • Always set a goal to keep you motivated.
  • You can have short-term and longer-term savings goals.

Short-term savings and investments

Savings account

Determine how much you need to save monthly to achieve your goal.

Noticed/fixed deposit/call account

For these accounts you must give your bank notice when you want to withdraw your money.

Money market

These accounts are for short-term investments of less than 12 months.


A group of people who come together to save on a regular basis. This can be formal or informal.

Medium-term savings and investments


Unit trusts

A Unit Trust is a saving and investment
product where a group of individual investors put their money together for the purpose of investing.


Endowment policy

A regular investment where you pay via debit order and you receive a single payout at an agreed time e.g.: five or ten years.


Tax-free savings account

With a tax-free savings account you can save up to R33 000 per year.


Long-term savings and investments

Retirement savings: these are long-term savings options that provide a pension which is paid out monthly or as a lump sum when you retire.

Pension fund: a long-term saving that provides you with a pension when you retire.

Provident fund: a long-term savings that provides a lump-sum payment to you on retirement.

Retirement annuity: A long-term investment where you save regularly to give you an income when you retire.

Property investments: this is a long-term investment in a property that is rented to a tenant or an investment in a property fund which invests in publicly-listed real estate companies.