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@zolangqisha Avatar @zolangqisha Zola Ngqisha

Zola Ngqisha posts on TikTok about money, retirement, south africa, future the most. They currently have XXXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.

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Social Influence

Social category influence finance XX% countries XXXXX%

Social topic influence money 45.83%, retirement #431, south africa #1202, future 20.83%, investment #2080, reduce #709, realise #100, if you 12.5%, health 8.33%, tax bracket #475

Top Social Posts

Top posts by engagements in the last XX hours

"Unclaimed Inheritance Alert If your parent passed away while you were a minor you might have money waiting for you in the Guardians Fund Heres how to check and claim it step-by-step. Dont wait funds go to the state after XX years 📌 For South Africans aged 18+ 📍 Master of the High Court Form J251 Estate Claims #guardiansfund #unclaimedinheritance #estateplanning #lastwillandtestament #financialadvisor #thefinancialmetaverse"
TikTok Link 2025-07-11T14:55Z 57.7K followers, 45.6K engagements

"How to build generational wealth using life insurance in South Africa. Did you know you can take out life cover on your parents legally and ethically if theres insurable interest If your mom or dad is under XX and in good health you could qualify for R1 million or more in life cover. You become the premium payer and beneficiary. This strategy is a game-changer for Black professionals serious about creating legacy wealth. DM me to find out how to do it properly. #lifecover #lifeinsurance #generationalwealth #insurance #financialplanning #financialadvisor #thefinancialmetaverse"
TikTok Link 2025-07-15T15:11Z 57.7K followers, 618.2K engagements

"Many South Africans are paying too much for funeral cover without knowing theres a better cheaper option. In this video I explain the difference between funeral cover and immediate or final expense benefits a smarter solution for covering costs after death. Learn how this benefit pays out within XX hours and can be up to XX% cheaper than traditional funeral policies. If youre in good health this could save your family thousands. DM Immediate Benefit to get help from my team. #funeralcover #financialadvisor #financialplanning #lifecover #funeralinsurance #insurancetips #thefinancialmetaverse"
TikTok Link 2025-07-17T16:44Z 57.7K followers, 318.9K engagements

"Many GEPF members dont realize the long-term impact of withdrawing from their savings pot until its too late. That withdrawal doesnt just reduce your cash savings it actually cuts your pensionable service years which directly lowers your future pension payout. But heres the good news: your retirement can be repaired. In this video I break down practical proven strategies to rebuild your retirement savings. Ill show you how to use a Retirement Annuity (RA) to grow your money tax-free qualify for SARS tax rebates and protect your familys wealth through smart estate planning. Ill also explain"
TikTok Link 2025-10-08T17:05Z 57.7K followers, 37.5K engagements

"Think its too late to start investing in your 40s or 50s Not true. With just R2 XXX per month increasing your contributions by XX% annually and earning XX% growth over XX years you could build R1.7 million+ in wealth. Im Zola Ngqisha a licensed financial planning professional helping South Africans catch up on retirement savings grow investments and secure their future. Whether youre behind on your goals or starting from scratch I can show you proven strategies to turn small consistent amounts into serious wealth. #investing #retirementplanning #thefinancialmetaverse #financialadvisor"
TikTok Link 2025-08-14T16:48Z 57.7K followers, 25.2K engagements

"Attention GEPF members in South Africa 🚨 The Government Employees Pension Fund is updating its actuarial interest factors from X October 2025. This means if you resign transfer your pension or need a cash value for divorce or other exits your payout could be XX% lower on average compared to before. This does not affect your pension for life if you retire normallybut it does impact anyone planning to resign or move their money. In this video I explain what actuarial interest means in simple terms why the change matters and what you should consider from a financial planning perspective. If you"
TikTok Link 2025-09-04T19:38Z 57.7K followers, 103.1K engagements

"Most South Africans already own a unit trust through their RA pension fund TFSA or endowment but have no idea how it actually works. 😳 In this video I break down the unit trust concept in plain English. Youll learn: What a unit trust really is (using a simple stokvel analogy) How its regulated under the Collective Investment Schemes Control Act (CISCA) The tax benefits liquidity and flexibility of investing in a unit trust Why most peoples investments arent growing properly and how to fix it. Understanding unit trusts is the foundation of building wealth in South Africa . If you have an"
TikTok Link 2025-10-19T20:26Z 57.7K followers, 37.5K engagements

"Discover how a Retirement Annuity (RA) can help you grow your money tax-free and get a massive tax refund from SARS every year. In this video I explain how high-income earners in South Africa can use an RA to reduce tax accelerate wealth creation and even receive refunds of over R140 XXX all while investing in their future. Whether youre a professional entrepreneur or corporate employee understanding how to maximize your allowable RA deduction is one of the smartest financial moves you can make. Ill also show you how to combine your RA with a Tax-Free Savings Account to build long-term wealth"
TikTok Link 2025-10-26T19:24Z 57.7K followers, 72.4K engagements

"Most South Africans dont realise this between now and XX February 2026 you have a powerful opportunity to reduce your tax bill earn a refund from SARS and accelerate your wealth creation using smart financial planning tools like a Retirement Annuity (RA) and a Tax-Free Savings Account (TFSA). If youll be receiving your annual bonus soon this is the perfect time to act. The smartest investors arent just spending their bonuses theyre using them to build long-term wealth and let the tax system work in their favour. In this video Ill explain how small strategic moves before tax year-end can put"
TikTok Link 2025-11-02T21:42Z 57.7K followers, 72.4K engagements

"Most high income professionals are unknowingly giving SARS tens of thousands every year that they could legally keep and invest. If youre earning in the 41%45% tax bracket and youre not maximizing your Retirement Annuity + Tax-Free Savings strategy you are losing money. Full stop. This is how the wealthy protect their income reduce tax and build long-term wealth without gambling in the markets. The return is guaranteed through tax efficiency but only if you act before the tax year deadline. Dont let another year pass while others use this strategy to get a 40%+ instant return and you dont. ✅"
TikTok Link 2025-11-05T19:54Z 57.7K followers, 71.6K engagements

"Most South Africans think their family trust is protecting their assets but XX% of living trusts fail because theyre never funded never managed and never compliant. As a licensed financial advisor Im breaking down the REAL mistakes that social media experts never talk about. If your trust has no bank account no resolutions no meetings or assets still sitting in your personal name its not a trust its a ticking time bomb. And when SARS or creditors challenge it its already too late. This video is for anyone who wants to build generational wealth the RIGHT way. My subscribers get access to"
TikTok Link 2025-11-16T21:36Z 57.7K followers, 19.8K engagements

"Most high earners dont realise how much tax and inflation are robbing them every month. You can be earning at the 4145% bracket doing everything right and still be losing almost half your interest to SARS without even seeing it happen. If youve worked hard to get where you are you deserve a strategy that protects your wealth not one that quietly drains it while you sleep. If you are a High-income earner in South Africa you need to start thinking differently about where you park your money especially if you have large balances sitting in a savings account. This video is for the professionals"
TikTok Link 2025-11-19T21:27Z 57.7K followers, 129.1K engagements

"High income earners often believe they are safe because the money is good today. The house is paid on time the cars are financed the lifestyle looks stable. The danger is that this comfort creates the illusion that your future is automatically secured. It isnt. When you stop working your lifestyle will not slow down. Your expenses will not shrink. Your expectations will not change. What does change is the income. Without a fully funded retirement plan the lifestyle you worked so hard to build becomes the very thing that breaks you later. This is the harsh truth many high earners learn too"
TikTok Link 2025-12-05T19:57Z 57.7K followers, 9396 engagements

"Most South Africans who receive a large lump sum from the Road Accident Fund (RAF) inheritance pension withdrawal or divorce settlement lose it all within X years. Why They make the same three money mistakes: lending to friends and family without repayment spending before creating a plan and failing to invest for long-term income. In this video I break down how to avoid these pitfalls so your payout lasts for life. As a licensed financial planner in South Africa I help clients protect and grow their settlements through smart investment strategies budgeting and wealth protection. If youve"
TikTok Link 2025-08-10T13:23Z 57.7K followers, 44.3K engagements

"I recently received a DM from a GEPF member who said I had X years of service but after withdrawing R30000 from my two-pot savings my years dropped to X. That message really shook me because most GEPF members have no idea that withdrawing from the savings component actually reduces their pensionable years of service and that directly affects how much theyll earn when they retire. In this video I break down exactly how the two-pot system works why your years of service drop after a withdrawal and what that means for your long-term pension. I also show how a small withdrawal today could cost"
TikTok Link 2025-10-06T13:44Z 57.7K followers, 224.8K engagements

"Thinking of putting your house into a living trust Before you do watch this A lot of South Africans believe trusts automatically save tax but if your only asset is your primary residence that might not be true. In this video I break down the real pros and cons of setting up a living trust when you only own your home. ✅ Youll learn how the R2 million Capital Gains Tax (CGT) exemption on a primary residence actually works ✅ What the R3.5 million Estate Duty abatement means for your estate ✅ And how these two rules can determine whether a trust helps you or hurts you financially. Most people set"
TikTok Link 2025-10-12T19:34Z 57.7K followers, 186.5K engagements

"Most people have no idea whats actually happening inside their pension fund. Money leaves your account every month but you dont check the balance the growth or how its invested. Thats how people wake up at XX or XX and realise they cant retire because their biggest asset was never monitored. If you want to build real wealth and retire with dignity you have to understand your pension fund. Know your balance. Know your returns. Know your strategy. This is your future. If you need help breaking it down just reach out. Ill show you exactly what to look for so you dont get caught off guard later."
TikTok Link 2025-11-21T20:48Z 57.7K followers, 12.6K engagements

"Its one of the biggest hidden struggles among high-income earners in South Africa. You can earn well close major deals work in banking finance law medicine yet still feel unsure about your own money. And most people will never admit it. Theres this pressure to look like youve got everything under control: your investments taxes retirement trusts estate planning all of it. But behind the scenes many professionals feel lost with their personal finances. A Momentum study found that XX% of South Africans dont use a licensed financial planner. One of the top reasons Embarrassment. The fear of"
TikTok Link 2025-11-26T18:58Z 57.7K followers, 10.1K engagements

"Most South Africans dont realise how much wealth theyve missed by keeping money in fixed deposits money markets and 32-day notices. While savers earned small interest balanced funds delivered 12%15% a year and the resource sector exploded with 80%+ growth in just XX months. The real economy is shifting valuations are still low and smart investors are positioning themselves early for the next wave. If youre serious about building wealth in South Africa and you want guidance from a licensed regulated financial advisor send me a DM. Dont take chances with unverified influencers. Get advice that"
TikTok Link 2025-12-09T16:43Z 57.7K followers, 11.9K engagements

"Most people lose money not because they choose a bad investment but because they invest without a plan. If youre asking Whats the best RA Best TFSA Best investment company youre already putting yourself at risk. Thats exactly how scammers and unlicensed influencers pull people in. Serious investors understand that real wealth is built by aligning your goals time horizon tax bracket risk profile asset allocation liquidity needs and estate plan. This is how high-income earners business owners and professionals protect and grow their money with confidence. If youre saving in the dark hoping for"
TikTok Link 2025-12-10T20:40Z 57.7K followers, 5417 engagements