Before you commit money to anything — whether it is a savings account, a friend’s business, a share tip from a colleague, or an online investment platform — ask yourself these five questions. Write them down. Make them a habit. Question 1: What is the worst case? Not the best case — the worst. If…

You have heard the proverb. In finance, it is not just wisdom — it is strategy. Diversification means spreading your money across different types of investments so that if one performs badly, the others cushion the blow. Think about a stokvel. No single member carries the full financial burden. Everyone contributes, and the pot rotates.…

Every financial decision carries a trade-off between risk and reward. Most South Africans were never taught this. Here is everything you need to know — in plain language. Imagine you are at a taxi rank. Two taxis pull up going to the same destination. The first is the regular route — reliable, takes longer, gets…