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Saving can be a scary topic.
We often don't know where to start, how much to save, how long to save for, or what investment accounts are best suited to our individual or family goals. Most people think the word ‘investment’ is associated with a lot of money. For the average South African, making enough money to pay all the bills and still find even a little to save every month is already a challenge. It can feel overwhelming, but that’s often due to not understanding what an investment is and the different ways to invest. We have one of the best interest rates in the market to help you get the most out of your savings.
Three popular misconceptions about investments
You can start investing only if you’re rich and debt free.
You need a large lump sum to make an investment.
When you invest your money, it’s locked away for a long time and you have no access to it.
The reality is that you can start investing with just R250. And while for some investments you need to invest a lump sum for up to five years, we offer several investment products that combine competitive interest rates with various access options with a notice period as short as 24 hours.
Saving is a long-term game. Forgetting to save every month?
Set up a recurring payment to your investment on payday – this way you'll never forget to save. Want to know how? here is how to do it:
No backup plan = No backup
Savvy clients have backup savings to cover unforeseen expenses. Start small and try to have one month’s salary saved up for emergencies by this time next year. Back up your savings with JustInvest.
Worried about not having enough savings when you retire? You are not alone.
The earlier you start, the more options you give yourself later in life. Your retirement may still be a long way off, or perhaps it’s right around the corner. Wherever you are in life, it’s critical that you put the necessary plans in place to ensure you have enough savings to retire comfortably.
Popular with our clients currently : Grow your money tax free!
The interest you earn on most investments is taxable. Luckily, you’re allowed to save up to R36 000 a year, and R500 000 over your lifetime in tax-free investment solutions (TFIs). You can open a tax-free account with a R500 000 limit for each one of your minor children. Ready to take action?
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