Understanding Personal Finance
MindfulFinance
A South African resource dedicated to clear, unbiased education on investing, saving, and managing money responsibly. No sales pitches — just straightforward information you can trust.
A South African resource dedicated to clear, unbiased education on investing, saving, and managing money responsibly. No sales pitches — just straightforward information you can trust.
We believe that better financial decisions start with better understanding. In South Africa, many people feel overwhelmed by investment choices and jargon. This blog is here to explain concepts plainly and share research-based insights — nothing more, nothing less.
No sponsorships, no commissions, no hidden agendas. Just honest information.
Written with local tax rules, retirement funds, exchange controls and market realities in mind.
We reference academic studies, historical data and regulatory sources wherever possible.
Have a topic you’d like explained? Drop us a message — we often turn reader questions into articles.
MindfulFinance started because too many South Africans receive financial advice that is confusing or driven by someone else’s commission.
Here we take a step back and look at the principles that have stood the test of time — diversification, understanding costs, the role of patience, and how local regulations actually work.
Tax-free savings accounts and retirement annuities explained
Unit trusts vs ETFs vs direct shares
Offshore investing within Regulation 28 limits
Read the Articles
From beginner concepts to more advanced South African investment structures — everything explained in plain language.
How ETFs work on the JSE and why they’re popular in SA.
Annual changes and how they affect South African investors.
Understanding volatility and keeping emotions in check.
A few kind words from South Africans who read MindfulFinance.
Johannesburg
Finally someone explaining Regulation 28 and offshore limits without trying to sell me something. Thank you!
Cape Town
The plain-language comparison of ETFs on the JSE helped me move my old unit trusts across with confidence.
Durban
Your article on tax-free savings accounts made me realise I had been using mine completely wrong for three years. Fixed it this week — thank you!
Pretoria
I’ve read dozens of investment blogs. MindfulFinance is the first one that never makes me feel stupid and never tries to sell me anything. Keep going.
We read every email. Reader questions often become future articles.
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