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We dig into smart financial year-end moves for South African taxpayers, focusing on topping up tax-free savings and retirement annuities before the February cutoff. We show how to turn deductions and compounding into a reliable future income stream.

• why the February deadline matters for SARS allowances
• using TFSA for long-term growth, not short-term cash
• the R36,000 annual and R500,000 lifetime TFSA limits
• leaving TFSA invested after reaching the cap
• planning for tax-free TFSA income in retirement
• how RA deductions reduce taxable income now
• the value of RA lock-in to protect compounding
• recycling tax refunds back into TFSA or RA
• pairing RA and TFSA to manage retirement tax

Go and see your financial planners and discuss those two products and see how you can top it up or or adjust your debit orders and make sure it's beneficial for the long term

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