Guides
Investing
Funds, shares and fees, without a forecast of next year's return.
An ETF, a unit trust and a single share can all fall. The fact sheet and the fee are the documents. Past performance is a history, not a promise.
Tax-free accounts and retirement funds are wrappers. The investment inside them is still an investment.
How to use this section
Read the guide, then open the comparison or calculator it links to. If a comparison has no live figures, that is deliberate. Unverified rates are not published.
Guides in this section
How to start investing
Pay the expensive debt, keep an emergency fund, then use a low-cost fund you understand. A platform is not the investment. Reviewed 28 October 2026.
Read guideSaving and investing
Saving is keeping rand you expect to get back from a bank. Investing is buying assets that can fall. Reviewed 29 October 2026.
Read guideETFs and unit trusts
Both can hold a basket of shares or bonds. An ETF trades on an exchange. A unit trust is bought from the manager at a dealing price. Neither is a bank deposit. Reviewed 29 October 2026.
Read guideDividends and capital gains tax
Dividends withholding tax and capital gains tax are different. A tax-free investment can change both. A trading profit may not be a capital gain at all. Reviewed 29 October 2026.
Read guideRetirement annuities and the two-pot system
A retirement annuity can reduce taxable income within limits. The money is locked up on purpose. A two-pot withdrawal is not a savings account. Reviewed 29 October 2026.
Read guideOffshore investing and the rand
Moving money offshore needs an authorised dealer and the exchange-control allowance that applies to you. This guide does not print a rand allowance. Reviewed 29 October 2026.
Read guide
Calculators and comparisons
Questions readers ask
Is this advice?
No. It is general information for South African readers. Personal recommendations belong with an authorised financial services provider.
Sources
Page updated 28 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.
- Financial Sector Conduct Authority
Financial Sector Conduct Authority · checked 28 October 2026
- National Credit Regulator
National Credit Regulator · checked 28 October 2026