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# ![@thefinancialmetaverse Avatar](https://lunarcrush.com/gi/w:26/cr:tiktok::7091772444708881413.png) @thefinancialmetaverse The Financial Metaverse

The Financial Metaverse posts on TikTok about money, retirement, financial, south africa the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/tiktok::7091772444708881413/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7091772444708881413/c:line/m:interactions.svg)

- [--] Week [------] -18%
- [--] Month [-------] -1.60%
- [--] Months [---------] +90%

### Mentions: [--] [#](/creator/tiktok::7091772444708881413/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7091772444708881413/c:line/m:posts_active.svg)

- [--] Month [--] -65%
- [--] Months [--] +116%

### Followers: [------] [#](/creator/tiktok::7091772444708881413/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7091772444708881413/c:line/m:followers.svg)

- [--] Week [------] +1.70%
- [--] Month [------] +16%
- [--] Months [------] +150%

### CreatorRank: [-------] [#](/creator/tiktok::7091772444708881413/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7091772444708881413/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [countries](/list/countries) 

**Social topic influence**
[money](/topic/money), [retirement](/topic/retirement) #536, [financial](/topic/financial) #919, [south africa](/topic/south-africa) #2017, [investment](/topic/investment), [future](/topic/future), [if you](/topic/if-you), [inflation](/topic/inflation), [longterm](/topic/longterm), [financial planner](/topic/financial-planner)

**Top accounts mentioned or mentioned by**
[@tshepodarkhorse](/creator/undefined) [@user7320456632053](/creator/undefined) [@mst](/creator/undefined)
### Top Social Posts
Top posts by engagements in the last [--] hours

"VAT increase 30%US tariff hike. What does this mean for ordinary people in South Africa #ustariff #vatincrease #thefinancialmetaverse"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7491325890601733381)  2025-04-09T14:50Z [---] followers, [----] engagements


"South Africa doesn't have budget. It's now May 3rd and the financial year started in April 1st. #budgetcrisis #southafricatiktok #southafrica South Africa is in a serious crisis South Africa is in a serious crisis"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7500234940878032133)  2025-05-03T15:02Z [----] followers, [----] engagements


"This is why over 80% of Black financial advisors quit and leave the industry within [--] years. #financialadvisors #entrepreneur #hustleculture #businesssuccess #thefinancialmetaverse This is Why Black Financial Advisors Quit This is Why Black Financial Advisors Quit"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7504330054239849734)  2025-05-14T15:53Z 26.6K followers, [----] engagements


"In my almost [--] year career in financial planning I've learned that one of the most valuable financial skills you can develop is learning not to impress other people. This is one of the biggest reasons why black people end up in financial trouble. #financialskills #financialplanning #financialadvisor #financialtips #thefinancialmetaverse"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7512503651018001672)  2025-06-05T16:31Z [----] followers, [----] engagements


"There are no white billionaires in South Africa. only beneficiaries of a system built on exclusion. 👀💣 Lets talk about generational wealth apartheid economics and why economic justice still matters in [----]. If this triggered you good. Stay learn and lets have the real conversation. #whitebillion Are there genuine white billionaires in South Africa Are there genuine white billionaires in South Africa"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7513961566014852358)  2025-06-09T14:48Z [----] followers, 25.9K engagements


"If you are a financial advisor are you measuring your key metrics How was your performance this past week Did you achieve what you set out to do If not why not #financialadvisor #financialplanner #financialplanner #blackownedsmallbusiness #thefinancialmetaverse"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7515863693570149688)  2025-06-14T17:49Z [----] followers, [---] engagements


"Want to earn R100k+ per month as a Financial Advisor in South Africa Heres the mindset shift most new advisors miss: Stay in the game long enough to win. Consistency builds wealth. #financialadvisor #financialplanner #blackwealth #blackprofessionals #financialplanning #blackbusiness #thefinancialmetaverse This is the key to earning R100k+/month as a Financial Advisor in South Africa This is the key to earning R100k+/month as a Financial Advisor in South Africa"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7516611367101566264)  2025-06-16T18:11Z [----] followers, [---] engagements


"50% Municipal Debt Cancelled in Nelson Mandela Bay Big news for Gqeberha residents The EFF-sponsored budget item to cancel 50% of municipal account debt has officially been passed by council. The debt relief program is set to go live on [--] July [----] and will bring much-needed financial relief to households and businesses struggling with arrears. In this video I break down how the process will work. If you live in Nelson Mandela Bay dont miss this chance to get your finances back on track Tag someone who needs to see this DM me if you need more clarity. #nelsonmandelabaymunicipality #gqeberha"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7519158742827535622)  2025-06-23T14:56Z [----] followers, 49.8K engagements


"Explaining Investing Through Soccer Financial Advisors Tip Struggling to help your clients understand investing Heres a simple soccer analogy that makes it easy In this game: Your opponent = Inflation Your tactics = Asset allocation Your team: Strikers = Shares (Equities) Aim to score big against inflation Midfielders = Property Play both defense and attack Defenders = Bonds Steady and reliable support Goalkeeper = Fixed deposits & savings Last line of protection The better your investment formation the higher your chances of beating inflation over time. Perfect for financial advisors looking"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7519591504793308422)  2025-06-24T18:55Z [----] followers, [---] engagements


"Unemployment in South Africa isn't just a statistic its a daily reality. I recently spoke with a gentleman from StatsSA who told me he analyzes the data every single day. His conclusion South Africans are finding creative ways to survive amidst a growing unemployment crisis. Graduate unemployment is rising. And even those who are employed often earn too little to build a decent life. Are you using a creative hustle side hustle or survival tactic to make ends meet Plug the rest of us in the comments someone out there might need your idea today. Lets talk: Why are our degrees no longer"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7523231151150910776)  2025-07-04T14:19Z [----] followers, [---] engagements


"General Mkhwanazi exposed a deep-rooted network of corruption within South Africas highest institutions. He revealed shocking allegations linking senior SAPS officials members of the judiciary politicians and even the Minister of Police to organised crime syndicates. This bombshell confirms long-held public suspicions about the capture of the justice system and the police service. As the country reels from these revelations South Africans are asking: Who can we trust Watch this video to unpack what Mkhwanazis statement means for the future of law enforcement and accountability in South"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7524031277524094214)  2025-07-06T18:04Z [----] followers, 39.8K engagements


"Many Black professionals in South Africa are earning more than their parents ever did yet still feel financially stuck. Why In this video I break down the hidden emotional trauma and inherited survival mindset that keep us living paycheck to paycheck even with a good income. If youre the first in your family to make it this is for you. Learn how to shift from survival mode to wealth-building mode. It's not just about budgeting its about reprogramming your financial identity. #financialplanning #blackprofessionals #personalfinancetips #financialadvisor #blackwealth #thefinancialmetaverse Why"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7524362936702340408)  2025-07-07T15:31Z [----] followers, [----] engagements


"Tax season is here and SARS has officially kicked off auto assessments but are you leaving money on the table In this video I break down exactly how Black professionals in South Africa can legally reduce their tax bill by contributing to a Retirement Annuity (RA). I explain the calculation using the latest [----] tax tables and a real-life example that makes it simple to understand. Whether you're a young professional self-employed or climbing the corporate ladder this strategy could save you thousands in tax and help you build long-term generational wealth. Topics Covered: SARS auto"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7524727647767629112)  2025-07-08T15:06Z [----] followers, 16.5K engagements


"Think youve got a life cover Many Black parents are sold the wrong life insurance. In this video I break down the difference between accidental death cover fully underwritten life cover and policies with no medicals and why your claim could be rejected when your kids need it most. Dont leave your childs future to chance. DM me if youd like help reviewing your current life cover policy or if youre ready to take out the right life cover to protect your family. #lifecover #lifeinsurance #insurancetips #financialadvisor #financialplanning #lifepolicy #thefinancialmetaverse Your child could be"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7526591203509423366)  2025-07-13T15:37Z 33.9K followers, 245.8K engagements


"Building generational wealth takes the same mindset as building muscle: discipline patience and long-term vision. This message is for Black families ready to break cycles and build legacies. No shortcuts just focused effort and generational thinking. #blackwealth #generationalwealth #financialfreedom #investing #financialplanning #financialadvisor #thefinancialmetaverse Generational wealth is built the same way strength is with consistency sweat and patience. This workout It's a metaphor. Just like building wealth it takes pain sacrifice and vision. We dont stop. We build for generations. Its"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7529212066670988550)  2025-07-20T17:08Z [----] followers, [----] engagements


"Are you paying for life insurance but not getting any cashback or rewards This video explains why young Black professionals should review their life cover and look for policies that offer savings or cashback benefits. Protect your future and get money back. #lifecover #lifeinsurance #lifeinsurancetips #financialplanning #financialadvisor #blackprofessionals #thefinancialmetaverse You're paying for life cover. but getting nothing back 😳 You deserve better. You're paying for life cover. but getting nothing back 😳 You deserve better"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7529564455907183878)  2025-07-21T15:55Z 18.7K followers, 20.3K engagements


"Many South African families lose generational wealth due to poor estate planning and a lack of financial literacy. In this video I share a real conversation with a man who built a R10 million estate but never consulted a licensed financial planner. We unpack the cost of dying without a plan capital gains tax estate duty executors fees conveyancing costs and the emotional and legal consequences for loved ones. If you're married in community of property and plan to leave property to your children this is a must-watch. DM me for custom advice. #estateplanning #financialplanning #blackwealth"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7532207546052971782)  2025-07-28T18:52Z 24.4K followers, [----] engagements


"She received over R2 million from the Road Accident Fund (RAF) and within [--] months it was gone. No property no investments nothing left. This is the reality for many South Africans who get a large lump sum from an RAF payout inheritance divorce settlement or pension withdrawal. Without the right financial plan the money disappears quickly due to pressure from family poor spending choices and no long-term income strategy. As a licensed financial planner in South Africa I help clients protect their payouts invest wisely and create income that lasts for life. If youve received or are expecting"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7536241812151766277)  2025-08-08T15:47Z 28.5K followers, 38.6K engagements


"STOP cashing out your pension when you change jobs If youre a young professional especially in South Africa this could be the difference between retiring rich or working forever. Most millennials change jobs every [--] years and every withdrawal kills your compound growth reduces your retirement savings and triggers hefty SARS taxes that eat into your tax-free allowance for later in life. Example: R100 [---] preserved at 9% R2.3 M at [--] 📈 Add R3 000/month (growing 5% p.a.) R17.3 M 🚀 Dont throw away millions. Preserve your pension protect your future and build generational wealth."  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7537406336624119046)  2025-08-11T19:06Z 28.3K followers, [----] engagements


"Most people think putting money in a fixed deposit is the safest way to invest. ✅ It feels secure but heres the hidden truth: if youre in a 36% tax bracket the tax man takes a huge chunk of your growth. Lets say you invest R1 million for [--] years at the same effective return of 8.72% per year: In a fixed deposit your entire return is taxed as interest at 36%. Your after-tax return drops to about 5.9% per year you end up with R1.33m. In a balanced equity fund the same 8.72% is taxed more efficiently: dividends at 20% capital gains at 14.4% and part of the interest tax-free. Your after-tax"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7541143024752020754)  2025-08-21T20:46Z 46.8K followers, 12K engagements


"A Tax-Free Savings Account (TFSA) is one of the most powerful retirement planning tools in South Africa. If youre [--] years old today and contribute the maximum R36000 per year youll reach the lifetime limit of R500000 in just [--] years. With an 11% growth rate that investment can grow to over R3.7 million by the time you retire at [--] completely tax-free. Even after adjusting for 5% inflation thats still worth more than R1.1 million in todays money. After [--] years you dont even have to contribute anymore your TFSA keeps growing while you invest elsewhere. #TFSA #taxfreesavings"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7542543303758171413)  2025-08-25T15:20Z 37.7K followers, 119.2K engagements


"Many people think the only way to grow money is through savings or fixed depositsbut over time those rarely beat inflation. 📉 In this video I explain how a unit trust investment works using a simple stokvel analogy. Just like in a stokvel investors pool their money togethergiving them greater buying power and access to investments they could never reach on their own. Youll learn: ✅ What a collective investment scheme is (and why it matters) ✅ How returns are generated in a unit trust ✅ The role of diversification in protecting and growing your wealth ✅ Why markets may be volatile in the"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7543392113946414343)  2025-08-27T22:14Z 38.4K followers, [----] engagements


"Thinking of withdrawing your pension when you resign or retire from the public sector Before you cash out watch this South Africans have already withdrawn over R35 billion under the new two-pot system but many dont realize the massive tax bills lost growth and long-term financial risks. This video explains the dangers of taking your pension in cash without professional guidance especially for government employees like teachers nurses police officers and civil servants. Without expert advice you could lose years of compound growth pay unnecessary tax and compromise your familys financial"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7544063937373834512)  2025-08-29T17:41Z 38.3K followers, 22.3K engagements


"🚨 Nelson Mandela Bay BREAKING NEWS 🚨 The Municipality has announced a 50% debt cancellation program for ALL residents and businesses. This groundbreaking debt relief dispensation was conceptualized by the EFF to provide much-needed financial relief especially in the aftermath of Covid-19 and its devastating impact on families households and businesses across the Metro. This program allows residents of Nelson Mandela Bay Municipality to settle their outstanding municipal debt at HALF the amount owed an unprecedented opportunity to breathe again financially. 💡 ⚠ IMPORTANT: The offer is only"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7544728870612700417)  2025-08-31T12:41Z 33.9K followers, [----] engagements


"September is Wills Month in South Africa with National Wills Week running from [----] September. But did you know that 70% of estates reported to the Masters Office have no valid wills Even worse simply having a will is not enough if you havent made the financial provisions to cover executor fees debts taxes and guardianship for minor children. Without proper planning your estate could take years to wind up leaving your loved ones financially stranded. In this video I explain why a will must always go hand in hand with licensed financial planning to protect your family and ensure they inherit"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7545141062478875925)  2025-09-01T15:20Z 38K followers, [----] engagements


"Whether its a retirement payout a RAF claim or an inheritance most people who receive a lump sum end up broke within a few years. The Momentum Consumer Financial Vulnerability Study shows why: those who dont seek financial advice from licensed professionals face poor outcomes while those who do enjoy financial security sustainable income and wealth growth. As a licensed financial planning professional I help you protect and grow your money so it lasts. Dont gamble with your financial future get advice before making a decision with your payout. #financialplanning #retirementplanning #rafpayout"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7545973019974372628)  2025-09-03T21:09Z 42.5K followers, [----] engagements


"Too many South African professionals and families are investing in ways that dont align with their goals or life stage. If youre in your 30s your portfolio should look completely different from someone nearing retirement. The key is matching your investments with your timeline risk tolerance and future plans. In this video I explain why aligning your portfolio with your goals is one of the most powerful steps you can take to secure your financial future. If your retirement plan inheritance or lump sum payout isnt positioned correctly you may be risking years of hard work. Im a licensed"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7548124087449652487)  2025-09-09T16:16Z 37.2K followers, [----] engagements


"This is a real story every financial advisor and family needs to hear. A widow is suing an insurance company for R6 million after her husbands life policy lapsed due to [--] missed premiums. The tragedy Her claim will likely be rejected leaving her and her children with nothing. 💔 As financial advisors our responsibility goes beyond selling policies. We must protect clients remind them when premiums are missed and ensure their families are covered when it matters most. This story is a wake-up call: one phone call can save a familys future. If youre a financial planner insurance broker or simply"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7548865307306151188)  2025-09-11T16:12Z 47.6K followers, [----] engagements


"Many in South Africas informal business sector from the taxi industry to shebeen owners to micro-lenders believe they can avoid SARS. But the reality is: SARS is patient but they never forget. ✅ SARS can audit you indefinitely if you havent filed returns. ✅ Your children can inherit your tax debt when you pass away. ✅ Lifestyle audits are increasing targeting informal wealth. Dont let a lifetime of hard work vanish because of poor planning. If youve built wealth in the shadows now is the time to formalize your affairs. Protect your family. Protect your legacy. DM me if youre serious about"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7550023830555708689)  2025-09-14T19:08Z 37.5K followers, [----] engagements


"With over [--] years in financial planning Ive seen the truth about money that most people only realize too late. In their 20s many believe they have all the time in the world so they cash out pensions chase liabilities disguised as assets and restart from zero with each new job. By their 40s reality sets in theyre behind desperate and vulnerable to risky investments and scammers promising quick returns. But heres the pattern Ive seen work time and time again: those who start investing consistently and wisely in their 20s dont panic in their 40s. They build wealth quietly safely and predictably"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7555562079374134549)  2025-09-29T17:19Z 38.4K followers, [----] engagements


"The tragic and curious passing of former Minister of Police Nathi Mthethwa while serving as South Africas ambassador in France has highlighted an issue most people never think about: what happens if you pass away in a foreign country As a licensed financial planning professional I help people prepare for these unexpected realities. Will your life insurance cover death abroad Will your insurer pay for repatriation or will your family face devastating costs on top of their grief If you travel or work overseas often this isnt just a what if its a financial planning necessity. Dont wait for"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7555917149521382673)  2025-09-30T16:17Z 38.5K followers, [----] engagements


"Most people think a trust is only for the ultra-rich but in South Africa the right living trust can protect your familys wealth cut estate duty and ensure your legacy lives on long after youre gone. In this video I break down what an inter vivos trust really is how it works and why it can be a game-changer if youre serious about building and protecting generational wealth. Youll also learn how a poorly structured trust can backfire under Section 3(3)(d) of the Estate Duty Act pulling your assets right back into your estate and costing your family millions in taxes. The truth is a trust done"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7557810999378677009)  2025-10-05T18:46Z 40.4K followers, [----] 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](https://www.tiktok.com/@zolangqisha/video/7563031767263857940)  2025-10-19T20:26Z 72.4K followers, 50K engagements


"Many South African parents think naming their child as a beneficiary on a life policy is enough but if the child is under [--] the payout can be delayed or mismanaged. In this video I explain how to legally structure your life cover to protect your child immediately after your passing. If you're a single mom dont leave this to chance. DM me and lets fix it today. #lifecover #lifeinsurance #financialplanning #estateplanning #insurancetiktok #financialadvisor #thefinancialmetaverse This mistake could cost your children everything. This mistake could cost your children everything"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7525396472033021240)  2025-07-10T10:21Z 58.8K followers, 165.8K engagements


"GEPF Retirement Options Explained If you're a government employee close to retirement this is for you Most GEPF members only know about retiring within the fund but did you know you can retire outside the GEPF too Learn how to take control of your pension leave a legacy and explore better financial planning options. DM me for personalised retirement advice. #retirementplanning #gepf #pension #financialplanning #financialadvisor #retirementoptions #thefinancialmetaverse Retiring from the GEPF You have more options than you think. Retiring from the GEPF You have more options than you think"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7526962345063583032)  2025-07-14T15:38Z 62.2K followers, 137.9K 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 [--] hours and can be up to 80% 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](https://www.tiktok.com/@zolangqisha/video/7528092663367601464)  2025-07-17T16:44Z 58.1K followers, 319.3K engagements


"Received a large payout from the Road Accident Fund (RAF) or inheritance Dont let it go to waste. Most South Africans lose their lump sum within [--] years due to poor financial advice pressure from family and lack of a plan. In this video I break down what really happens after that payout hits your account and how to protect it for the long term. If youve received or are expecting a RAF payout inheritance divorce settlement or pension withdrawal this is for you. Learn how to invest wisely avoid common mistakes and work with a licensed financial planner in South Africa. #rafpayout"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7535874804637863174)  2025-08-07T16:03Z 56.6K followers, 52.7K 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 [--] 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](https://www.tiktok.com/@zolangqisha/video/7536946861425380614)  2025-08-10T13:23Z [--] followers, 44.3K engagements


"Newly employed and want to retire a millionaire Heres how contributing just R500/month to a Tax-Free Savings Account (TFSA) increasing it by 5% yearly and investing in a growth fund averaging 11% can grow into over R6 MILLION by age [--] all TAX-FREE. This is the power of compound interest and starting early. Perfect for South African graduates looking for smart money tips passive income strategies and long-term financial freedom. Learn how to invest save for retirement and beat inflation without paying tax on your gains. #TFSA #taxfreesavingacount #investing #financialadvisor #investingtips"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7537733416800783672)  2025-08-12T16:15Z 55.1K followers, 215.9K engagements


"Think its too late to start investing in your 40s or 50s Not true. With just R2 [---] per month increasing your contributions by 10% annually and earning 12% growth over [--] 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](https://www.tiktok.com/@zolangqisha/video/7538484028249279765)  2025-08-14T16:48Z 59.2K followers, 26.1K engagements


"Did you know you can use a Retirement Annuity (RA) to get the tax man to pay for part of your retirement If you earn R550k a year and contribute R3000 per month to an RA (with a 10% annual increase) youll get back a massive tax rebate at a 36% marginal tax rate. Instead of spending that refund reinvest it into a Tax-Free Savings Account (TFSA) every year from age [--] to [--] and with 12% annual growth you could end up with over R6 million tax-free This is the power of tax-efficient investing youre building one retirement fund in your RA and a second pot of wealth in your TFSA both working"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7540394568496385288)  2025-08-19T20:22Z 61.4K followers, 32.3K engagements


"Have you ever heard of a Birthday Fund Its a powerful wealth strategy every young professional in South Africa should know about. By starting small in your 20s R500 here R750 there you can set up multiple investment plans that pay you lump sums EVERY single year starting from year [--]. Imagine never waiting for December bonuses because your money creates its own annual payday. This is not just saving its structured financial planning designed to give you consistent cash flow build long-term wealth and put you ahead of your peers. Most young professionals dont hear about this until its too late."  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7540756020486769927)  2025-08-20T19:44Z 49.1K followers, 103.3K engagements


"Most South Africans dont know the real difference between a Retirement Annuity (RA) and a Tax-Free Savings Account (TFSA) and it can cost you big at retirement. Heres the breakdown: RA: Contributions are tax-deductible today but Regulation [--] restricts your investment options and your withdrawals in retirement are taxed as income. TFSA: No tax deduction when you contribute but your growth and withdrawals are completely tax-free. The only catch is the R36000 per year and R500000 lifetime cap. When used together an RA builds scale with upfront tax breaks while a TFSA builds flexibility with"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7542990225010674952)  2025-08-26T20:14Z 55.1K followers, 15.9K engagements


"When it comes to investing too many South Africans are focused on picking the right stock or chasing the latest trend. But the truth is your long-term wealth is determined by asset allocation how you spread your money between shares bonds property and cash. In this video I explain why asset allocation matters more than stock picking how different asset classes behave and what you should look at in your own portfolio. This knowledge is critical for anyone planning for retirement investing for growth or simply trying to build a more secure financial future. If you dont know your asset mix youre"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7547817138115972373)  2025-09-08T20:25Z 59.4K followers, [----] engagements


"Did you know the Tax-Free Savings Account (TFSA) is NOT a normal savings account Many South Africans even finance professionals dont fully understand how it works and as a result theyre missing out on the most powerful long-term investment tool available in the country. The TFSA allows your money to grow completely tax-free AND lets you withdraw tax-free. But heres the catch it only works if you use it correctly as a long-term investment not just a short-term savings pocket. In this video I explain why so many people are getting it wrong why DIY investing is risky and why working with a"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7548556621597773077)  2025-09-10T20:15Z 50.9K followers, 18.5K engagements


"Too many investors park large sums of money in money market or savings accounts thinking theyre safe but after tax their returns are being eaten away. At a 36% marginal tax rate your 10% bank return could shrink to just 6.4%. Over [--] years thats a difference of nearly R150000 compared to a tax-efficient investment strategy. This video explains why tax efficiency matters just as much as return percentages and why smart investors seek guidance from licensed financial planning professionals. If youre a serious investor stop letting SARS take more than it should and let your money grow the right"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7549631981357780244)  2025-09-13T17:48Z 48.4K followers, 16.5K engagements


"Replying to @tshepo_darkhorse Too many people want fast money but forget that wealth built overnight often disappears just as fast. In this video I debunk the myth that Tax-Free Savings Accounts (TFSAs) are an old formula. The truth A disciplined long-term TFSA strategy can create tax-free generational wealth for your family. I break down how compounding works why time is your greatest asset and the eternal wealth principle: habits built slowly last longer than shortcuts. Think of it like planting a tree the roots take time but once its strong it provides shade and fruit for generations. If"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7556709353965849876)  2025-10-02T19:31Z 52.2K followers, [----] engagements


"Many GEPF members are only now realizing how the new actuarial factor changes have reduced their payout values especially for those planning to resign transfer or withdraw early. 🚨 This update isnt just about numbers; its about control. The GEPF is protecting its fund but whos protecting your future In this video I explain why proper retirement planning is now more important than ever and how to take back control of your financial future. Whether youre a government employee teacher nurse or police officer this affects you. Learn how to protect yourself by starting a Tax-Free Savings Account"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7559688536652287253)  2025-10-10T20:12Z 48.8K followers, 47.6K engagements


"Replying to @user7320456632053 Should you make your trust the beneficiary of your life cover if your kids are minors This question came from one of my followers @MsT and its one that many South African parents dont fully understand. In this video I explain in simple clear language: ✅ The difference between a living trust (created while youre alive) and a testamentary trust (created through your will) ✅ What actually happens when your life policy pays out to a trust ✅ And how estate duty and Capital Gains Tax rules affect your familys inheritance Many people set up a trust thinking it"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7560813729147833620)  2025-10-13T20:58Z 55.6K followers, 10.4K engagements


"Too many people lose money chasing the best investment because they listen to social media influencers who arent licensed financial professionals. In this video I explain why that question is flawed how it exposes a dangerous mindset and what you should be asking instead. As a licensed financial planning professional I follow the 6-step financial advice process the legal framework that ensures every recommendation suits your unique goals income and risk profile. 💬 DM me if youre serious about getting real financial advice not social media guesses. #financialadvisor #FinancialPlanning"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7563762660676750612)  2025-10-21T19:42Z 56.9K followers, [----] engagements


"Most professionals entertainers and business owners in South Africa will retire broke not because they didnt make enough money but because they never built a retirement plan. If youre a doctor attorney or accountant earning R250000 a month how much do you need to retire comfortably The answer might shock you. In this video I explain why high-income earners often fail to secure their financial future and how to start building long-term wealth before its too late. Im a licensed financial advisor helping South African professionals and entrepreneurs create customized financial plans that protect"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7566356722441309461)  2025-10-28T19:28Z 52.2K followers, [----] engagements


"Most South Africans dont realise this between now and [--] February [----] 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](https://www.tiktok.com/@zolangqisha/video/7568246736863399188)  2025-11-02T21:42Z 62.9K followers, 82.9K engagements


"They had everything a 5-bedroom house BMWs overseas holidays. But when retirement came reality hit hard. He never paid attention to what was going into his pension or how it was invested. When the money ran out he was forced to keep working deep into his 70s. Now in their 80s they rely on their daughter for accommodation and medical aid and theyve lost their independence. Thats the real cost of poor retirement planning. If youre a professional or entrepreneur earning well today remember this: A high income doesnt guarantee a secure retirement. What matters is how well you plan invest and"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7568957750022114580)  2025-11-04T19:41Z 54.5K followers, 11.4K 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](https://www.tiktok.com/@zolangqisha/video/7569332182582381845)  2025-11-05T19:54Z 62.7K followers, 83.2K engagements


"If youre seeing this youre already in the small circle of people who are actually learning how money really works. Most investors will never learn this. Theyll just trust whatever product they were sold and years later theyll wonder why their returns look disappointing. The truth is simple: Fees can quietly destroy your investment growth. Even a 1% difference in fees over time can mean the difference between retiring with freedom or retiring with regret. And heres the part nobody tells you: Whether you have a Retirement Annuity TFSA pension/provident fund or endowment your money is sitting"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7570056812037164309)  2025-11-07T18:46Z 55.1K followers, 10.8K engagements


"Too many South Africans only realise the value of proper financial guidance after the money is gone. I sat with someone who inherited a life-changing amount and within a year it had vanished. Not because she didnt care but because she didnt have anyone licensed or accountable helping her protect what her mother left her. Losing a parent is painful enough. Losing the inheritance they worked their whole life for is a different kind of heartbreak. And once its gone theres no start over button. If youre expecting an inheritance a payout or any large sum of money please dont navigate it alone or"  
[TikTok Link](https://www.tiktok.com/@thefinancialmetaverse/video/7574172768955108629)  2025-11-18T20:58Z 55.8K followers, 10.9K 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](https://www.tiktok.com/@zolangqisha/video/7574551158245674261)  2025-11-19T21:27Z 64.5K followers, 210K 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 [--] or [--] 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](https://www.tiktok.com/@zolangqisha/video/7575283458340162836)  2025-11-21T20:48Z 62.7K followers, 16.6K 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 91% of South Africans dont use a licensed financial planner. One of the top reasons Embarrassment. The fear of"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7577110531937488149)  2025-11-26T18:58Z 61.7K followers, 10.7K engagements


"Most people set up a trust thinking their assets are fully protected but very few actually run the trust correctly. And thats where the danger lies. If SARS creditors or the courts decide your trust isnt being administered properly they wont hesitate to collapse it and treat all the assets as your personal assets. That includes property investments even business assets. In this video I explain the biggest mistakes I see families and business owners make with their trusts and the simple steps you can take to keep your trust compliant protected and actually working the way it was intended to."  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7579740620965694741)  2025-12-03T21:05Z 58.7K followers, [----] 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](https://www.tiktok.com/@zolangqisha/video/7580465336470834453)  2025-12-05T19:57Z 62.7K followers, 10.3K 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](https://www.tiktok.com/@zolangqisha/video/7582331852128619796)  2025-12-10T20:40Z 62.7K followers, 13.1K engagements


"Most professionals dont realise this until its too late. Every time you withdraw from your pension fund whether when changing jobs resigning or using the 2-pot savings component youre not just paying tax now. Youre also reducing the R550000 tax-free amount youre allowed to take at retirement. That means double taxation: tax when you withdraw and higher tax again when you retire. For high-income earners in the 36%45% tax bracket this mistake can cost hundreds of thousands of rands over your lifetime. This is why retirement planning isnt about chasing products or reacting to cash-flow pressure."  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7584160198600756500)  2025-12-15T18:55Z [--] followers, 57K engagements


"A strong rand and falling interest rates sound like good news for South Africa but they dont benefit everyone equally. Right now investors who understand how currency strength and interest rate cycles work are positioning their money for growth while savers sitting in cash fixed deposits and money market accounts are quietly losing purchasing power to inflation. When interest rates fall cash returns drop. When the rand strengthens assets reprice and capital flows reward those who are invested not those who are waiting. This is how wealth is built during cycles most people misunderstand. If"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7584539920774024469)  2025-12-16T19:28Z 58.3K followers, [----] engagements


"Most people arent losing money because of fees. Theyre losing money because they dont understand value. If youre a high-income earner sitting in money market accounts fixed deposits or 32-day notices because they feel safe this video will challenge how you think about investing. Between inflation tax at 41%45% and low real returns being conservative can quietly destroy long-term wealth. In this video I break down a real comparison between a money market investor and a balanced fund investor and show how tax efficiency compounding and proper asset allocation matter more than chasing low fees."  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7585624636340194581)  2025-12-19T17:37Z 58.8K followers, [----] engagements


"Most South Africans dont realise this until its too late: relying only on your employers pension fund could cut your income by more than half in retirement. If youre a high-income professional or business owner the tax impact alone can quietly destroy your lifestyle after you stop working. With the new 2-pot system many people are withdrawing today without understanding how it permanently reduces their retirement income tomorrow. The professionals I work with want clarity structure and a strategy that protects their income now while building a retirement they dont have to downgrade for later."  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7586288605811789077)  2025-12-21T12:34Z 60K followers, [----] engagements


"This Christmas I just want to pause and say thank you not as a creator not as a financial advisor but as one human being speaking to another. Thank you for your time your trust your messages your support and for allowing me into your life through this platform. Whether youve been here from the very beginning or you joined along the way you are part of what makes The Financial Metaverse more than content its a community with purpose. This season is a reminder that while money is important it is not the meaning of life. Purpose is. Faith is. And the people we walk this journey with matter more"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7587763160283712789)  2025-12-25T11:56Z 59.6K followers, [----] engagements


"Most South Africans dont fail financially because they dont earn enough they fail because they take advice from the wrong people. A good licensed financial advisor doesnt just help you grow money. They help you avoid silent mistakes that cost millions over a lifetime unnecessary tax poor investment structures weak estate planning and retirement strategies that collapse when you need them most. I see it every day. High-income professionals who are saving but still leaking wealth. Families who think theyre protected only to discover too late that their plans dont work. And people trusting"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7589721931985816853)  2025-12-30T18:37Z 62.1K followers, [----] engagements


"Most civil servants dont realise that a living annuity can run out of money long before they do. If youre a GEPF member government employee or about to retire this could be the most important video you watch this year. In this video I explain: Why living annuities are one of the riskiest retirement income options How market crashes and sequencing risk destroy retirement capital Why increasing your income for inflation accelerates capital depletion How R5 million can run out in under [----] years When a life annuity or blended strategy makes more sense If youre already retired and your living"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7597157098182561045)  2026-01-19T19:29Z 72.4K followers, 96.8K engagements


"Most people work hard for money but very few understand how wealth is actually created. In Part [--] of this series I explain: Why money on its own is low value How wealth is created when currency moves into high-value assets Why businesses shares and property grow over time How the wealthy think differently about value and demand The simple principle that separates savers from investors. If you are a professional entrepreneur or high-income earner in South Africa and you want to build real long-term wealth this video is for you. This builds on Part [--] and sets up Part [--] where I explain how the"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7600519629483609364)  2026-01-28T20:58Z 72.5K followers, 39.7K engagements


"The Financial planning profession is not for everybody. In fact the vast majority don't make it. Just like in business there is a high failure rate and most people leave owing debt. If you are a new financial advisor you will need serious mentoring to have a chance at success. #financialadvisor #financialplanning #financialplanner #businesstips #thefinancialmetaverse #blackbusiness The harsh reality about black financial advisors in South Africa The harsh reality about black financial advisors in South Africa"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7512124835674295557)  2025-06-04T16:01Z 72.4K followers, 33.8K engagements


"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 [--] years 📌 For South Africans aged 18+ 📍 Master of the High Court Form J251 Estate Claims #guardiansfund #unclaimedinheritance #estateplanning #lastwillandtestament #financialadvisor #thefinancialmetaverse Your inheritance could still be waiting for you in the Guardians Fund. Heres how to claim it step-by-step. Your inheritance could still be waiting for you in the"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7525838186652765496)  2025-07-11T14:55Z 72.4K followers, 57.6K engagements


"I recently received a DM from a GEPF member who said I had [--] years of service but after withdrawing R30000 from my two-pot savings my years dropped to [--]. 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](https://www.tiktok.com/@zolangqisha/video/7558104203449699605)  2025-10-06T13:44Z 72.4K followers, 237K 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 [---] 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](https://www.tiktok.com/@zolangqisha/video/7565613514400746773)  2025-10-26T19:24Z 72.4K followers, 87.1K engagements


"Many widows and surviving spouses are shocked by unexpected tax bills after receiving a spouse pension from the Government Employees Pension Fund. Heres the truth most people are never told: that pension is added to your total income and South African Revenue Service doesnt calculate tax in isolation. Even if no tax is deducted upfront SARS will still assess you later and thats how people end up owing tens of thousands of rands. If youre receiving a GEPF spouse pension about to receive one or relying on pension income after the loss of a partner this is something you must plan for not react"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7591590644859063573)  2026-01-04T19:29Z 72.4K followers, 277.5K engagements


"Most South Africans dont realise how risky retirement income can be. A living annuity gives flexibility but market risk and sequencing risk can cause your income to drop and in many cases your money can run out while youre still alive. In this video I explain how a life annuity works why it provides a guaranteed income for life and how it can protect you and your spouse from the danger of outliving your retirement savings. I also explain how insurers calculate your income using age gender and actuarial factors and why the right structure matters more than chasing returns. If youre retired"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7597903098438470932)  2026-01-21T19:44Z 72.5K followers, 22.9K engagements


"Creating wealth is importantbut keeping it is what separates rich people from wealthy families. In Part [--] of this series I explain: Why structure matters more than returns How the wealthy protect their money from tax inflation and risk The role of TFSAs RAs endowments offshore investments trusts and businesses Why diversification is the ultimate form of wealth protection How one mistake can wipe out years of hard-earned capital. If you are a professional business owner or high-income earner in South Africa this is the part most people never learn until its too late. This video completes the"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7600904037877304597)  2026-01-29T21:49Z 72.5K followers, 18K engagements


"Are your interested in a career as a Financial Advisor in South Africa Do you think you have what it takes to make it in this lucrative profession Watch this video to the end #financialadvisor #howtobeafinancialadviser #jobplug #career #thefinancialmetaverse #financialplanner Watch to the end to start a career as a Financial Advisor Watch to the end to start a career as a Financial Advisor"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7506920731553369400)  2025-05-21T15:26Z 71.2K followers, [----] engagements


"Financial Advisors Wanted Opportunity of a Lifetime Are you entrepreneurial-minded and looking for a career with unlimited income potential and real impact Here's your sign The demand for Financial Advisors in South Africa is growing rapidly and all major FSPs are hiring If you're based in the Eastern Cape and ready to build a career in one of SAs most in-demand professions DM me now. This might just be the breakthrough youve been praying for. ✅ Be your own boss ✅ Get world-class training ✅ Unlock high earning potential ✅ Make a real difference in peoples lives Share this with friends or"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7519907284370181381)  2025-06-25T15:20Z 71.3K followers, [----] 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 [--] 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 Why More Adults"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7527326424714218758)  2025-07-15T15:11Z 68.7K followers, 637.2K engagements


"Learn how a Retirement Annuity (RA) can protect your money from creditors grow your investment tax-free and help you leave a bigger legacy for your family. Perfect for Black professionals and business owners in South Africa. This video breaks down how RAs are protected by law exempt from estate duty in many cases and avoid executor fees making them a smart tool for building generational wealth and securing your retirement. #retirementannuity #retirementplanning #wealthcreation #financialplanning #financialadvisor #blackprofessionals #thefinancialmetaverse Why the rich love Retirement"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7528450798875987256)  2025-07-18T15:54Z 72.1K followers, 28.8K engagements


"Theyre not teaching us this but its how you turn R3k a month into R33 million tax-free. Theyre not teaching us this but its how you turn R3k a month into R33 million tax-free. Theyre not teaching us this but its how you turn R3k a month into R33 million tax-free"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7528815608725802246)  2025-07-19T15:29Z 70.4K followers, 312.8K engagements


"Many South Africans have already withdrawn from their pension using the new 2-Pot System but at what cost In this video I break down the real consequences of early withdrawals and why it could ruin your retirement. I also share how a Retirement Annuity (RA) can help you recover grow your money tax-free and protect your future. If youve tapped into your savings this is your wake-up call. #retirementplanning #2potsystem #retirementannuity #pensionwithdrawal #personalfinance #financialplanning #thefinancialmetaverse WARNING: Pension Fund Withdrawals Could Leave Millions Destitute at Retirement"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7531081540751740166)  2025-07-25T18:02Z 71K followers, 73.3K engagements


"Interest rates in South Africa have been dropping and its costing you more than you think. If your money is sitting in a savings or fixed deposit account you could be losing value due to inflation. In this video I break down how the SA Reserve Banks repo rate cuts affect everyday savers and why many professionals are turning to shares property and offshore investments to protect and grow their wealth. Whether you're a Black professional business owner or family looking to build generational wealth this is essential financial knowledge. Learn how to make your money work harder with smart"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7534357475529673990)  2025-08-03T13:55Z 69K followers, 125.8K engagements


"Most people dont realise this until its too late but just relying on the life or disability cover from your job can leave you completely exposed. Im sharing this because Ive seen it happen. Someone leaves their job loses their group cover and by the time they apply for private cover their healths changed. and they either cant get cover or it costs a fortune. If youre young and healthy youre probably paying more than you should under your group scheme. You can actually get private cover for less and it stays with you no matter where you work. This is something I wish more people knew. If you"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7534755468493786374)  2025-08-04T15:39Z 69K followers, 10.7K engagements


"Most people think their money is safe in a savings account but the truth is inflation is quietly destroying your wealth. If you have R500000 or more sitting in the bank you need to understand the power of long-term investing. In this video I break down the difference between keeping your money in savings vs investing in the JSE and global equity funds. Using an example of R1 million over [--] years I show how the markets have historically outperformed cash by a wide margin and why time in the market not timing the market builds real wealth. As a trusted financial advisor I work with"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7539995600100592903)  2025-08-18T18:33Z 69.8K followers, 31.4K engagements


"Attention GEPF members in South Africa 🚨 The Government Employees Pension Fund is updating its actuarial interest factors from [--] October [----]. This means if you resign transfer your pension or need a cash value for divorce or other exits your payout could be 15% 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](https://www.tiktok.com/@zolangqisha/video/7546320803298659605)  2025-09-04T19:38Z 69.7K followers, 103.8K engagements


"Many people are losing money on DIY investing platforms like Easy Equities because they follow unlicensed influencers instead of getting professional financial advice. In this video I explain the hidden risks of DIY investing why most people fail and how professional guidance can help you build wealth safely and sustainably. If youve been trying to invest on your own and feel stuck this message is for you. #investing #easyequities #financialplanning #financialadvisor #wealthbuilding DIY investing is costing you money Heres the truth no one tells you DIY investing is costing you money Heres"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7546688167437487376)  2025-09-05T19:24Z [--] followers, 20.7K engagements


"Breaking GEPF Update (October 2025): The Government Employees Pension Fund (GEPF) has officially suspended all Two-Pot withdrawals from [--] October to [--] October [----] to update its systems with new actuarial factors used to calculate members benefits. If you were planning to access your Savings Pot this month heres what you need to know: withdrawals are paused temporarily but will reopen on [--] October [----]. All other GEPF benefits and pension payments continue as normal. In this video I break down: ✅ Why GEPF suspended withdrawals ✅ What this means for your savings and cash flow ✅ What to do if"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7558512552938835216)  2025-10-07T16:09Z 68.9K followers, 611.6K 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](https://www.tiktok.com/@zolangqisha/video/7558898140347206929)  2025-10-08T17:05Z 70.6K followers, 38.6K engagements


"Thousands of South African government employees are shocked to see their GEPF fund values drop by up to R500000. 😳 Heres whats really happening and whos affected. The GEPF has updated its actuarial factors which directly impact members who are resigning or transferring their benefits to private funds. If youre planning to exit the GEPF your actuarial value may be lower than before. But if youre staying in the fund and plan to retire through GEPF your pension remains unaffected. The GEPF has also temporarily suspended two-pot withdrawals while they update their systems and with their call"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7559271168197299476)  2025-10-09T17:13Z 72.1K followers, 417.5K 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](https://www.tiktok.com/@zolangqisha/video/7560420835878653204)  2025-10-12T19:34Z [--] followers, 208.2K engagements


"In this video I break down the [--] most common life cover mistakes people make: [--] Taking out partially underwritten cover over the phone. [--] Not calculating how much cover they actually need. [--] Nominating a minor child as a beneficiary. [--] Trusting a family member to manage the payout for your kids. I was invited by YFM this morning to unpack these mistakes on radio and now Im sharing them here so you can protect your familys future. ✅ Watch till the end to learn how to avoid claim rejections delays and financial stress for your loved ones. 🔒 Want the full solution Subscribe to access the"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7561180832707251477)  2025-10-14T20:43Z [--] followers, 302.5K engagements


"If you earn from [--] jobs or side hustles you could owe SARS thousands without knowing it. Heres the truth: your employers dont talk to each other but SARS does. When they combine your total income you could jump into a higher tax bracket and suddenly owe over R100000 in unpaid tax. 💸 Most people only find out when its too late at assessment time. Dont be one of them. If youre earning from multiple employers you need to plan ahead now to avoid a massive tax bill later. DM me TAX CHECK and Ill show you exactly how to calculate your true tax exposure avoid penalties and turn that extra income"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7571964838709054740)  2025-11-12T22:11Z 69.6K followers, 17.6K engagements


"Most South Africans think their family trust is protecting their assets but 80% 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](https://www.tiktok.com/@zolangqisha/video/7573440376388766996)  2025-11-16T21:36Z 70.4K followers, 33.2K 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 [--] 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](https://www.tiktok.com/@zolangqisha/video/7581899765613448469)  2025-12-09T16:43Z [--] followers, 27.6K engagements


"Most stokvels were designed for a time when investment options were limited. Today if youre a high-income professional or business owner continuing to rely on a stokvel could be costing you tens of thousands in lost growth and tax benefits. Putting R5000 per month into a stokvel may feel disciplined but it offers no real growth little protection and zero tax efficiency. Compare that to structured investments like a retirement annuity where the same contribution can unlock significant tax refunds long-term compounding and proper estate planning. This is the difference between saving money and"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7589361191793757460)  2025-12-29T19:17Z 71.8K followers, 17.3K engagements


"Most South Africans even high-net-worth individuals have all their wealth in South Africa. Same currency. Same economy. Same risk. Offshore investing isnt about leaving South Africa. Its about protecting your buying power diversifying risk and giving your capital global opportunity. Every South African can legally invest up to R11 million per year offshore using the Single Discretionary Allowance and Foreign Investment Allowance yet very few people structure this correctly. This is where professional financial planning makes the difference. I work with professionals and families who dont wait"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7593085337623104789)  2026-01-08T20:09Z 71.1K followers, 10.5K engagements


"Most people think saving money will make them wealthy. But the truth is currency was never designed to store value. In this video I explain: Why money started losing value after the 1970s The real meaning of currency and why it must flow How demand and supply determine real wealth Why savers are silently getting poorer every year The first principle behind real capital growth This is Part [--] of a powerful 3-part series on how wealth is created and preserved. If you are a professional entrepreneur business owner or high-income earner in South Africa and you want to build real long-term wealth"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7600159792837070100)  2026-01-27T21:41Z 67.4K followers, 203.1K engagements


"Have you ever wondered why SARS rewards you for saving for retirement while taxing almost everything else so heavily In this video I explain: Why fewer than 6% of South Africans retire with 75% or more of their income How the state plans for future financial dependency Why SARS would rather tax you now if you dont make retirement provision How retirement contributions legally reduce your tax bill Why this matters even more if youre in the 41%+ tax bracket. If youre a professional entrepreneur or high-income earner retirement planning isnt just about age [--] its one of the smartest tax"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7602013999084883220)  2026-02-01T21:37Z 72.5K followers, 18.5K engagements


"Most retirees dont make bad choices they make uninformed risk choices. A living annuity = flexibility but you carry the risk A life annuity = certainty but less control ⚖ This isnt just a product decision its a risk decision And the wrong one could mean your money runs out before you do. Retirement income needs strategy not guesswork. If youre close to retirement or already there lets make sure your plan is built to last. 📩 Details in my bio DM me Disclaimer: This content is for educational purposes only and does not constitute financial advice. Consult a licensed financial planning"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7603459526653693192)  2026-02-05T19:06Z 70.8K followers, [----] engagements


"Heres a strong professional description you can use 👇 Funeral cover may take care of todays costs but life cover protects your familys future. Too many people focus only on the immediate expense of a funeral while the real financial risk is the loss of income debt education costs and long-term security. Life cover is designed to replace your income protect your familys lifestyle and make sure your loved ones dont struggle financially when youre no longer there. Its not just about burial its about stability dignity and giving your family time to grieve without financial pressure. If you truly"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7607385897167768840)  2026-02-16T09:02Z 72.5K followers, [----] engagements


"Fear has stopped many families from securing their future. In this video we unpack one of the biggest myths around life cover and how this belief has cost generations millions. Many people were raised to believe that life cover invites death or that naming your children as beneficiaries could somehow bring harm. But the truth is simple: planning for death does not cause death. Avoiding planning only guarantees financial stress for the people you love most. You insure your car even though you dont plan to crash it. You insure your home even though you dont plan to lose it. Life cover works the"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7607018463755832583)  2026-02-15T09:16Z 72.5K followers, [----] engagements


"Before you cancel your life cover pause. That policy isnt just for you. Its for your children. When income drops or expenses rise many parents quietly cancel their life cover and years of value disappear overnight. But theres another option. Have the conversation. If your children are employed show them what the policy is worth. Show them what they stand to lose if it lapses. Even a small contribution from them could preserve a benefit that may never be replaceable. Dont cancel before reviewing your options. Sometimes protecting your legacy simply means sharing the responsibility. If youre"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7606275085434883346)  2026-02-13T09:12Z 72.5K followers, [----] engagements


"This mistake looks harmless but it quietly destroys retirement plans. Busy professionals delay increasing their contributions because life is happening. School fees. Property. Business. Responsibilities. But retirement doesnt reward intention. It rewards time in the market. The years you delay are the most valuable years youll ever lose. Compounding works for you or against you. If youre earning well but havent reviewed your retirement contributions recently this is your sign. Want to know if youre behind or still on track Contact my office using the number in my bio or send me a DM."  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7606057796206939410)  2026-02-12T19:08Z 72.5K followers, [----] engagements


"If you dont fully understand the difference between a pension fund provident fund and retirement annuity it could quietly cost you millions over time. Most people contribute because its set up by HRnot because they understand how each vehicle fits into a long-term strategy. But these structures have different tax treatments access rules and planning implications. Using the wrong vehicle for the wrong goal can derail your retirement plan without you even realising it. Retirement planning isnt about collecting products. Its about using the right ones intentionally. If you want help structuring"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7605335689307131154)  2026-02-10T20:26Z 72.5K followers, 15.1K engagements


"Retirement doesnt fail because of irresponsibility. It fails because no one explains what it really takes to replace an income for [--] [--] or even [--] years. Retirement isnt a savings goal. Its an income replacement problem and without early planning last-minute panic wont fix it. If this is hitting close to home and you want clarity on your own situation contact my office using the number in my bio or send me a DM. Well assess where you truly stand. So be honest with yourself: Are you planning to retire comfortably or are you just hoping it works out Disclaimer: This content is for educational"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7604561209945279762)  2026-02-08T18:21Z 72.5K followers, [----] engagements


"R5 million sounds like a comfortable retirement numberuntil you test it against real life. This video breaks down why retirement planning isnt about a lump sum on paper but about the monthly income your capital must produce for the rest of your life and how that income needs to keep up with inflation medical costs and longer life expectancy. One of the biggest mistakes people make is assuming expenses drop significantly after retirement. For most professionals they dont. If you want a retirement calculation based on your actual lifestyle and long-term goals contact my office using the number"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7603788605634432264)  2026-02-06T16:23Z 72.5K followers, 18.8K engagements


"Most people think keeping money in cash is safe. But what if that safe choice is quietly costing you wealth every single year 💰 Interest gets taxed as income 📈 Growth investments are taxed differently often later and at lower rates ⚠ Its not about what you earn its about what you keep after tax Two people can save the same amount and get the same returns and still end up in totally different financial positions. Wealth isnt built by just saving. Its built by investing smartly. Disclaimer: This content is for educational purposes only and does not constitute financial advice. Consult a"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7603115437299305748)  2026-02-04T20:51Z 72.5K followers, [----] engagements


"Most investors obsess over fees but ignore the one cost that can quietly take a much bigger bite tax. A 1% fee feels painful. But poor tax planning can cost you far more over time. Its not just about what you earn. Its about what you keep. Smart investing isnt only about returns its about tax efficiency structure and strategy. Before chasing the next big opportunity make sure taxes arent silently eating your profits. Disclaimer: This content is for educational purposes only and does not constitute financial advice. Consult a licences financial planning professional before making investment"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7602344218262146325)  2026-02-02T18:58Z 72.5K followers, [----] engagements


"Have you ever wondered why SARS rewards you for saving for retirement while taxing almost everything else so heavily In this video I explain: Why fewer than 6% of South Africans retire with 75% or more of their income How the state plans for future financial dependency Why SARS would rather tax you now if you dont make retirement provision How retirement contributions legally reduce your tax bill Why this matters even more if youre in the 41%+ tax bracket. If youre a professional entrepreneur or high-income earner retirement planning isnt just about age [--] its one of the smartest tax"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7602013999084883220)  2026-02-01T21:37Z 72.5K followers, 18.5K engagements


"Most people think money in the bank is safeuntil it isnt. In this video I share a real story about how keeping large sums of cash in a transactional account can destroy wealth instead of protecting it. Youll learn: Why large bank balances quietly lose value to inflation How cash becomes a target for fraud and scams What most families dont know about estate delays and frozen accounts Why structure matters more than where you bank How wealthy families protect capital properly. If you are a professional business owner or high-income earner or if your parents are sitting with large sums of cash"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7601215692914035989)  2026-01-30T17:59Z 72.5K followers, 18.5K engagements


"Creating wealth is importantbut keeping it is what separates rich people from wealthy families. In Part [--] of this series I explain: Why structure matters more than returns How the wealthy protect their money from tax inflation and risk The role of TFSAs RAs endowments offshore investments trusts and businesses Why diversification is the ultimate form of wealth protection How one mistake can wipe out years of hard-earned capital. If you are a professional business owner or high-income earner in South Africa this is the part most people never learn until its too late. This video completes the"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7600904037877304597)  2026-01-29T21:49Z 72.5K followers, 18K engagements


"Most people work hard for money but very few understand how wealth is actually created. In Part [--] of this series I explain: Why money on its own is low value How wealth is created when currency moves into high-value assets Why businesses shares and property grow over time How the wealthy think differently about value and demand The simple principle that separates savers from investors. If you are a professional entrepreneur or high-income earner in South Africa and you want to build real long-term wealth this video is for you. This builds on Part [--] and sets up Part [--] where I explain how the"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7600519629483609364)  2026-01-28T20:58Z 72.5K followers, 39.7K engagements


"Most South Africans dont realise how risky retirement income can be. A living annuity gives flexibility but market risk and sequencing risk can cause your income to drop and in many cases your money can run out while youre still alive. In this video I explain how a life annuity works why it provides a guaranteed income for life and how it can protect you and your spouse from the danger of outliving your retirement savings. I also explain how insurers calculate your income using age gender and actuarial factors and why the right structure matters more than chasing returns. If youre retired"  
[TikTok Link](https://www.tiktok.com/@zolangqisha/video/7597903098438470932)  2026-01-21T19:44Z 72.5K followers, 22.9K engagements

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing

@thefinancialmetaverse Avatar @thefinancialmetaverse The Financial Metaverse

The Financial Metaverse posts on TikTok about money, retirement, financial, south africa the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

Engagements: [------] #

Engagements Line Chart

  • [--] Week [------] -18%
  • [--] Month [-------] -1.60%
  • [--] Months [---------] +90%

Mentions: [--] #

Mentions Line Chart

  • [--] Month [--] -65%
  • [--] Months [--] +116%

Followers: [------] #

Followers Line Chart

  • [--] Week [------] +1.70%
  • [--] Month [------] +16%
  • [--] Months [------] +150%

CreatorRank: [-------] #

CreatorRank Line Chart

Social Influence

Social category influence finance countries

Social topic influence money, retirement #536, financial #919, south africa #2017, investment, future, if you, inflation, longterm, financial planner

Top accounts mentioned or mentioned by @tshepodarkhorse @user7320456632053 @mst

Top Social Posts

Top posts by engagements in the last [--] hours

"VAT increase 30%US tariff hike. What does this mean for ordinary people in South Africa #ustariff #vatincrease #thefinancialmetaverse"
TikTok Link 2025-04-09T14:50Z [---] followers, [----] engagements

"South Africa doesn't have budget. It's now May 3rd and the financial year started in April 1st. #budgetcrisis #southafricatiktok #southafrica South Africa is in a serious crisis South Africa is in a serious crisis"
TikTok Link 2025-05-03T15:02Z [----] followers, [----] engagements

"This is why over 80% of Black financial advisors quit and leave the industry within [--] years. #financialadvisors #entrepreneur #hustleculture #businesssuccess #thefinancialmetaverse This is Why Black Financial Advisors Quit This is Why Black Financial Advisors Quit"
TikTok Link 2025-05-14T15:53Z 26.6K followers, [----] engagements

"In my almost [--] year career in financial planning I've learned that one of the most valuable financial skills you can develop is learning not to impress other people. This is one of the biggest reasons why black people end up in financial trouble. #financialskills #financialplanning #financialadvisor #financialtips #thefinancialmetaverse"
TikTok Link 2025-06-05T16:31Z [----] followers, [----] engagements

"There are no white billionaires in South Africa. only beneficiaries of a system built on exclusion. 👀💣 Lets talk about generational wealth apartheid economics and why economic justice still matters in [----]. If this triggered you good. Stay learn and lets have the real conversation. #whitebillion Are there genuine white billionaires in South Africa Are there genuine white billionaires in South Africa"
TikTok Link 2025-06-09T14:48Z [----] followers, 25.9K engagements

"If you are a financial advisor are you measuring your key metrics How was your performance this past week Did you achieve what you set out to do If not why not #financialadvisor #financialplanner #financialplanner #blackownedsmallbusiness #thefinancialmetaverse"
TikTok Link 2025-06-14T17:49Z [----] followers, [---] engagements

"Want to earn R100k+ per month as a Financial Advisor in South Africa Heres the mindset shift most new advisors miss: Stay in the game long enough to win. Consistency builds wealth. #financialadvisor #financialplanner #blackwealth #blackprofessionals #financialplanning #blackbusiness #thefinancialmetaverse This is the key to earning R100k+/month as a Financial Advisor in South Africa This is the key to earning R100k+/month as a Financial Advisor in South Africa"
TikTok Link 2025-06-16T18:11Z [----] followers, [---] engagements

"50% Municipal Debt Cancelled in Nelson Mandela Bay Big news for Gqeberha residents The EFF-sponsored budget item to cancel 50% of municipal account debt has officially been passed by council. The debt relief program is set to go live on [--] July [----] and will bring much-needed financial relief to households and businesses struggling with arrears. In this video I break down how the process will work. If you live in Nelson Mandela Bay dont miss this chance to get your finances back on track Tag someone who needs to see this DM me if you need more clarity. #nelsonmandelabaymunicipality #gqeberha"
TikTok Link 2025-06-23T14:56Z [----] followers, 49.8K engagements

"Explaining Investing Through Soccer Financial Advisors Tip Struggling to help your clients understand investing Heres a simple soccer analogy that makes it easy In this game: Your opponent = Inflation Your tactics = Asset allocation Your team: Strikers = Shares (Equities) Aim to score big against inflation Midfielders = Property Play both defense and attack Defenders = Bonds Steady and reliable support Goalkeeper = Fixed deposits & savings Last line of protection The better your investment formation the higher your chances of beating inflation over time. Perfect for financial advisors looking"
TikTok Link 2025-06-24T18:55Z [----] followers, [---] engagements

"Unemployment in South Africa isn't just a statistic its a daily reality. I recently spoke with a gentleman from StatsSA who told me he analyzes the data every single day. His conclusion South Africans are finding creative ways to survive amidst a growing unemployment crisis. Graduate unemployment is rising. And even those who are employed often earn too little to build a decent life. Are you using a creative hustle side hustle or survival tactic to make ends meet Plug the rest of us in the comments someone out there might need your idea today. Lets talk: Why are our degrees no longer"
TikTok Link 2025-07-04T14:19Z [----] followers, [---] engagements

"General Mkhwanazi exposed a deep-rooted network of corruption within South Africas highest institutions. He revealed shocking allegations linking senior SAPS officials members of the judiciary politicians and even the Minister of Police to organised crime syndicates. This bombshell confirms long-held public suspicions about the capture of the justice system and the police service. As the country reels from these revelations South Africans are asking: Who can we trust Watch this video to unpack what Mkhwanazis statement means for the future of law enforcement and accountability in South"
TikTok Link 2025-07-06T18:04Z [----] followers, 39.8K engagements

"Many Black professionals in South Africa are earning more than their parents ever did yet still feel financially stuck. Why In this video I break down the hidden emotional trauma and inherited survival mindset that keep us living paycheck to paycheck even with a good income. If youre the first in your family to make it this is for you. Learn how to shift from survival mode to wealth-building mode. It's not just about budgeting its about reprogramming your financial identity. #financialplanning #blackprofessionals #personalfinancetips #financialadvisor #blackwealth #thefinancialmetaverse Why"
TikTok Link 2025-07-07T15:31Z [----] followers, [----] engagements

"Tax season is here and SARS has officially kicked off auto assessments but are you leaving money on the table In this video I break down exactly how Black professionals in South Africa can legally reduce their tax bill by contributing to a Retirement Annuity (RA). I explain the calculation using the latest [----] tax tables and a real-life example that makes it simple to understand. Whether you're a young professional self-employed or climbing the corporate ladder this strategy could save you thousands in tax and help you build long-term generational wealth. Topics Covered: SARS auto"
TikTok Link 2025-07-08T15:06Z [----] followers, 16.5K engagements

"Think youve got a life cover Many Black parents are sold the wrong life insurance. In this video I break down the difference between accidental death cover fully underwritten life cover and policies with no medicals and why your claim could be rejected when your kids need it most. Dont leave your childs future to chance. DM me if youd like help reviewing your current life cover policy or if youre ready to take out the right life cover to protect your family. #lifecover #lifeinsurance #insurancetips #financialadvisor #financialplanning #lifepolicy #thefinancialmetaverse Your child could be"
TikTok Link 2025-07-13T15:37Z 33.9K followers, 245.8K engagements

"Building generational wealth takes the same mindset as building muscle: discipline patience and long-term vision. This message is for Black families ready to break cycles and build legacies. No shortcuts just focused effort and generational thinking. #blackwealth #generationalwealth #financialfreedom #investing #financialplanning #financialadvisor #thefinancialmetaverse Generational wealth is built the same way strength is with consistency sweat and patience. This workout It's a metaphor. Just like building wealth it takes pain sacrifice and vision. We dont stop. We build for generations. Its"
TikTok Link 2025-07-20T17:08Z [----] followers, [----] engagements

"Are you paying for life insurance but not getting any cashback or rewards This video explains why young Black professionals should review their life cover and look for policies that offer savings or cashback benefits. Protect your future and get money back. #lifecover #lifeinsurance #lifeinsurancetips #financialplanning #financialadvisor #blackprofessionals #thefinancialmetaverse You're paying for life cover. but getting nothing back 😳 You deserve better. You're paying for life cover. but getting nothing back 😳 You deserve better"
TikTok Link 2025-07-21T15:55Z 18.7K followers, 20.3K engagements

"Many South African families lose generational wealth due to poor estate planning and a lack of financial literacy. In this video I share a real conversation with a man who built a R10 million estate but never consulted a licensed financial planner. We unpack the cost of dying without a plan capital gains tax estate duty executors fees conveyancing costs and the emotional and legal consequences for loved ones. If you're married in community of property and plan to leave property to your children this is a must-watch. DM me for custom advice. #estateplanning #financialplanning #blackwealth"
TikTok Link 2025-07-28T18:52Z 24.4K followers, [----] engagements

"She received over R2 million from the Road Accident Fund (RAF) and within [--] months it was gone. No property no investments nothing left. This is the reality for many South Africans who get a large lump sum from an RAF payout inheritance divorce settlement or pension withdrawal. Without the right financial plan the money disappears quickly due to pressure from family poor spending choices and no long-term income strategy. As a licensed financial planner in South Africa I help clients protect their payouts invest wisely and create income that lasts for life. If youve received or are expecting"
TikTok Link 2025-08-08T15:47Z 28.5K followers, 38.6K engagements

"STOP cashing out your pension when you change jobs If youre a young professional especially in South Africa this could be the difference between retiring rich or working forever. Most millennials change jobs every [--] years and every withdrawal kills your compound growth reduces your retirement savings and triggers hefty SARS taxes that eat into your tax-free allowance for later in life. Example: R100 [---] preserved at 9% R2.3 M at [--] 📈 Add R3 000/month (growing 5% p.a.) R17.3 M 🚀 Dont throw away millions. Preserve your pension protect your future and build generational wealth."
TikTok Link 2025-08-11T19:06Z 28.3K followers, [----] engagements

"Most people think putting money in a fixed deposit is the safest way to invest. ✅ It feels secure but heres the hidden truth: if youre in a 36% tax bracket the tax man takes a huge chunk of your growth. Lets say you invest R1 million for [--] years at the same effective return of 8.72% per year: In a fixed deposit your entire return is taxed as interest at 36%. Your after-tax return drops to about 5.9% per year you end up with R1.33m. In a balanced equity fund the same 8.72% is taxed more efficiently: dividends at 20% capital gains at 14.4% and part of the interest tax-free. Your after-tax"
TikTok Link 2025-08-21T20:46Z 46.8K followers, 12K engagements

"A Tax-Free Savings Account (TFSA) is one of the most powerful retirement planning tools in South Africa. If youre [--] years old today and contribute the maximum R36000 per year youll reach the lifetime limit of R500000 in just [--] years. With an 11% growth rate that investment can grow to over R3.7 million by the time you retire at [--] completely tax-free. Even after adjusting for 5% inflation thats still worth more than R1.1 million in todays money. After [--] years you dont even have to contribute anymore your TFSA keeps growing while you invest elsewhere. #TFSA #taxfreesavings"
TikTok Link 2025-08-25T15:20Z 37.7K followers, 119.2K engagements

"Many people think the only way to grow money is through savings or fixed depositsbut over time those rarely beat inflation. 📉 In this video I explain how a unit trust investment works using a simple stokvel analogy. Just like in a stokvel investors pool their money togethergiving them greater buying power and access to investments they could never reach on their own. Youll learn: ✅ What a collective investment scheme is (and why it matters) ✅ How returns are generated in a unit trust ✅ The role of diversification in protecting and growing your wealth ✅ Why markets may be volatile in the"
TikTok Link 2025-08-27T22:14Z 38.4K followers, [----] engagements

"Thinking of withdrawing your pension when you resign or retire from the public sector Before you cash out watch this South Africans have already withdrawn over R35 billion under the new two-pot system but many dont realize the massive tax bills lost growth and long-term financial risks. This video explains the dangers of taking your pension in cash without professional guidance especially for government employees like teachers nurses police officers and civil servants. Without expert advice you could lose years of compound growth pay unnecessary tax and compromise your familys financial"
TikTok Link 2025-08-29T17:41Z 38.3K followers, 22.3K engagements

"🚨 Nelson Mandela Bay BREAKING NEWS 🚨 The Municipality has announced a 50% debt cancellation program for ALL residents and businesses. This groundbreaking debt relief dispensation was conceptualized by the EFF to provide much-needed financial relief especially in the aftermath of Covid-19 and its devastating impact on families households and businesses across the Metro. This program allows residents of Nelson Mandela Bay Municipality to settle their outstanding municipal debt at HALF the amount owed an unprecedented opportunity to breathe again financially. 💡 ⚠ IMPORTANT: The offer is only"
TikTok Link 2025-08-31T12:41Z 33.9K followers, [----] engagements

"September is Wills Month in South Africa with National Wills Week running from [----] September. But did you know that 70% of estates reported to the Masters Office have no valid wills Even worse simply having a will is not enough if you havent made the financial provisions to cover executor fees debts taxes and guardianship for minor children. Without proper planning your estate could take years to wind up leaving your loved ones financially stranded. In this video I explain why a will must always go hand in hand with licensed financial planning to protect your family and ensure they inherit"
TikTok Link 2025-09-01T15:20Z 38K followers, [----] engagements

"Whether its a retirement payout a RAF claim or an inheritance most people who receive a lump sum end up broke within a few years. The Momentum Consumer Financial Vulnerability Study shows why: those who dont seek financial advice from licensed professionals face poor outcomes while those who do enjoy financial security sustainable income and wealth growth. As a licensed financial planning professional I help you protect and grow your money so it lasts. Dont gamble with your financial future get advice before making a decision with your payout. #financialplanning #retirementplanning #rafpayout"
TikTok Link 2025-09-03T21:09Z 42.5K followers, [----] engagements

"Too many South African professionals and families are investing in ways that dont align with their goals or life stage. If youre in your 30s your portfolio should look completely different from someone nearing retirement. The key is matching your investments with your timeline risk tolerance and future plans. In this video I explain why aligning your portfolio with your goals is one of the most powerful steps you can take to secure your financial future. If your retirement plan inheritance or lump sum payout isnt positioned correctly you may be risking years of hard work. Im a licensed"
TikTok Link 2025-09-09T16:16Z 37.2K followers, [----] engagements

"This is a real story every financial advisor and family needs to hear. A widow is suing an insurance company for R6 million after her husbands life policy lapsed due to [--] missed premiums. The tragedy Her claim will likely be rejected leaving her and her children with nothing. 💔 As financial advisors our responsibility goes beyond selling policies. We must protect clients remind them when premiums are missed and ensure their families are covered when it matters most. This story is a wake-up call: one phone call can save a familys future. If youre a financial planner insurance broker or simply"
TikTok Link 2025-09-11T16:12Z 47.6K followers, [----] engagements

"Many in South Africas informal business sector from the taxi industry to shebeen owners to micro-lenders believe they can avoid SARS. But the reality is: SARS is patient but they never forget. ✅ SARS can audit you indefinitely if you havent filed returns. ✅ Your children can inherit your tax debt when you pass away. ✅ Lifestyle audits are increasing targeting informal wealth. Dont let a lifetime of hard work vanish because of poor planning. If youve built wealth in the shadows now is the time to formalize your affairs. Protect your family. Protect your legacy. DM me if youre serious about"
TikTok Link 2025-09-14T19:08Z 37.5K followers, [----] engagements

"With over [--] years in financial planning Ive seen the truth about money that most people only realize too late. In their 20s many believe they have all the time in the world so they cash out pensions chase liabilities disguised as assets and restart from zero with each new job. By their 40s reality sets in theyre behind desperate and vulnerable to risky investments and scammers promising quick returns. But heres the pattern Ive seen work time and time again: those who start investing consistently and wisely in their 20s dont panic in their 40s. They build wealth quietly safely and predictably"
TikTok Link 2025-09-29T17:19Z 38.4K followers, [----] engagements

"The tragic and curious passing of former Minister of Police Nathi Mthethwa while serving as South Africas ambassador in France has highlighted an issue most people never think about: what happens if you pass away in a foreign country As a licensed financial planning professional I help people prepare for these unexpected realities. Will your life insurance cover death abroad Will your insurer pay for repatriation or will your family face devastating costs on top of their grief If you travel or work overseas often this isnt just a what if its a financial planning necessity. Dont wait for"
TikTok Link 2025-09-30T16:17Z 38.5K followers, [----] engagements

"Most people think a trust is only for the ultra-rich but in South Africa the right living trust can protect your familys wealth cut estate duty and ensure your legacy lives on long after youre gone. In this video I break down what an inter vivos trust really is how it works and why it can be a game-changer if youre serious about building and protecting generational wealth. Youll also learn how a poorly structured trust can backfire under Section 3(3)(d) of the Estate Duty Act pulling your assets right back into your estate and costing your family millions in taxes. The truth is a trust done"
TikTok Link 2025-10-05T18:46Z 40.4K followers, [----] 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 72.4K followers, 50K engagements

"Many South African parents think naming their child as a beneficiary on a life policy is enough but if the child is under [--] the payout can be delayed or mismanaged. In this video I explain how to legally structure your life cover to protect your child immediately after your passing. If you're a single mom dont leave this to chance. DM me and lets fix it today. #lifecover #lifeinsurance #financialplanning #estateplanning #insurancetiktok #financialadvisor #thefinancialmetaverse This mistake could cost your children everything. This mistake could cost your children everything"
TikTok Link 2025-07-10T10:21Z 58.8K followers, 165.8K engagements

"GEPF Retirement Options Explained If you're a government employee close to retirement this is for you Most GEPF members only know about retiring within the fund but did you know you can retire outside the GEPF too Learn how to take control of your pension leave a legacy and explore better financial planning options. DM me for personalised retirement advice. #retirementplanning #gepf #pension #financialplanning #financialadvisor #retirementoptions #thefinancialmetaverse Retiring from the GEPF You have more options than you think. Retiring from the GEPF You have more options than you think"
TikTok Link 2025-07-14T15:38Z 62.2K followers, 137.9K 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 [--] hours and can be up to 80% 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 58.1K followers, 319.3K engagements

"Received a large payout from the Road Accident Fund (RAF) or inheritance Dont let it go to waste. Most South Africans lose their lump sum within [--] years due to poor financial advice pressure from family and lack of a plan. In this video I break down what really happens after that payout hits your account and how to protect it for the long term. If youve received or are expecting a RAF payout inheritance divorce settlement or pension withdrawal this is for you. Learn how to invest wisely avoid common mistakes and work with a licensed financial planner in South Africa. #rafpayout"
TikTok Link 2025-08-07T16:03Z 56.6K followers, 52.7K 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 [--] 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 [--] followers, 44.3K engagements

"Newly employed and want to retire a millionaire Heres how contributing just R500/month to a Tax-Free Savings Account (TFSA) increasing it by 5% yearly and investing in a growth fund averaging 11% can grow into over R6 MILLION by age [--] all TAX-FREE. This is the power of compound interest and starting early. Perfect for South African graduates looking for smart money tips passive income strategies and long-term financial freedom. Learn how to invest save for retirement and beat inflation without paying tax on your gains. #TFSA #taxfreesavingacount #investing #financialadvisor #investingtips"
TikTok Link 2025-08-12T16:15Z 55.1K followers, 215.9K engagements

"Think its too late to start investing in your 40s or 50s Not true. With just R2 [---] per month increasing your contributions by 10% annually and earning 12% growth over [--] 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 59.2K followers, 26.1K engagements

"Did you know you can use a Retirement Annuity (RA) to get the tax man to pay for part of your retirement If you earn R550k a year and contribute R3000 per month to an RA (with a 10% annual increase) youll get back a massive tax rebate at a 36% marginal tax rate. Instead of spending that refund reinvest it into a Tax-Free Savings Account (TFSA) every year from age [--] to [--] and with 12% annual growth you could end up with over R6 million tax-free This is the power of tax-efficient investing youre building one retirement fund in your RA and a second pot of wealth in your TFSA both working"
TikTok Link 2025-08-19T20:22Z 61.4K followers, 32.3K engagements

"Have you ever heard of a Birthday Fund Its a powerful wealth strategy every young professional in South Africa should know about. By starting small in your 20s R500 here R750 there you can set up multiple investment plans that pay you lump sums EVERY single year starting from year [--]. Imagine never waiting for December bonuses because your money creates its own annual payday. This is not just saving its structured financial planning designed to give you consistent cash flow build long-term wealth and put you ahead of your peers. Most young professionals dont hear about this until its too late."
TikTok Link 2025-08-20T19:44Z 49.1K followers, 103.3K engagements

"Most South Africans dont know the real difference between a Retirement Annuity (RA) and a Tax-Free Savings Account (TFSA) and it can cost you big at retirement. Heres the breakdown: RA: Contributions are tax-deductible today but Regulation [--] restricts your investment options and your withdrawals in retirement are taxed as income. TFSA: No tax deduction when you contribute but your growth and withdrawals are completely tax-free. The only catch is the R36000 per year and R500000 lifetime cap. When used together an RA builds scale with upfront tax breaks while a TFSA builds flexibility with"
TikTok Link 2025-08-26T20:14Z 55.1K followers, 15.9K engagements

"When it comes to investing too many South Africans are focused on picking the right stock or chasing the latest trend. But the truth is your long-term wealth is determined by asset allocation how you spread your money between shares bonds property and cash. In this video I explain why asset allocation matters more than stock picking how different asset classes behave and what you should look at in your own portfolio. This knowledge is critical for anyone planning for retirement investing for growth or simply trying to build a more secure financial future. If you dont know your asset mix youre"
TikTok Link 2025-09-08T20:25Z 59.4K followers, [----] engagements

"Did you know the Tax-Free Savings Account (TFSA) is NOT a normal savings account Many South Africans even finance professionals dont fully understand how it works and as a result theyre missing out on the most powerful long-term investment tool available in the country. The TFSA allows your money to grow completely tax-free AND lets you withdraw tax-free. But heres the catch it only works if you use it correctly as a long-term investment not just a short-term savings pocket. In this video I explain why so many people are getting it wrong why DIY investing is risky and why working with a"
TikTok Link 2025-09-10T20:15Z 50.9K followers, 18.5K engagements

"Too many investors park large sums of money in money market or savings accounts thinking theyre safe but after tax their returns are being eaten away. At a 36% marginal tax rate your 10% bank return could shrink to just 6.4%. Over [--] years thats a difference of nearly R150000 compared to a tax-efficient investment strategy. This video explains why tax efficiency matters just as much as return percentages and why smart investors seek guidance from licensed financial planning professionals. If youre a serious investor stop letting SARS take more than it should and let your money grow the right"
TikTok Link 2025-09-13T17:48Z 48.4K followers, 16.5K engagements

"Replying to @tshepo_darkhorse Too many people want fast money but forget that wealth built overnight often disappears just as fast. In this video I debunk the myth that Tax-Free Savings Accounts (TFSAs) are an old formula. The truth A disciplined long-term TFSA strategy can create tax-free generational wealth for your family. I break down how compounding works why time is your greatest asset and the eternal wealth principle: habits built slowly last longer than shortcuts. Think of it like planting a tree the roots take time but once its strong it provides shade and fruit for generations. If"
TikTok Link 2025-10-02T19:31Z 52.2K followers, [----] engagements

"Many GEPF members are only now realizing how the new actuarial factor changes have reduced their payout values especially for those planning to resign transfer or withdraw early. 🚨 This update isnt just about numbers; its about control. The GEPF is protecting its fund but whos protecting your future In this video I explain why proper retirement planning is now more important than ever and how to take back control of your financial future. Whether youre a government employee teacher nurse or police officer this affects you. Learn how to protect yourself by starting a Tax-Free Savings Account"
TikTok Link 2025-10-10T20:12Z 48.8K followers, 47.6K engagements

"Replying to @user7320456632053 Should you make your trust the beneficiary of your life cover if your kids are minors This question came from one of my followers @MsT and its one that many South African parents dont fully understand. In this video I explain in simple clear language: ✅ The difference between a living trust (created while youre alive) and a testamentary trust (created through your will) ✅ What actually happens when your life policy pays out to a trust ✅ And how estate duty and Capital Gains Tax rules affect your familys inheritance Many people set up a trust thinking it"
TikTok Link 2025-10-13T20:58Z 55.6K followers, 10.4K engagements

"Too many people lose money chasing the best investment because they listen to social media influencers who arent licensed financial professionals. In this video I explain why that question is flawed how it exposes a dangerous mindset and what you should be asking instead. As a licensed financial planning professional I follow the 6-step financial advice process the legal framework that ensures every recommendation suits your unique goals income and risk profile. 💬 DM me if youre serious about getting real financial advice not social media guesses. #financialadvisor #FinancialPlanning"
TikTok Link 2025-10-21T19:42Z 56.9K followers, [----] engagements

"Most professionals entertainers and business owners in South Africa will retire broke not because they didnt make enough money but because they never built a retirement plan. If youre a doctor attorney or accountant earning R250000 a month how much do you need to retire comfortably The answer might shock you. In this video I explain why high-income earners often fail to secure their financial future and how to start building long-term wealth before its too late. Im a licensed financial advisor helping South African professionals and entrepreneurs create customized financial plans that protect"
TikTok Link 2025-10-28T19:28Z 52.2K followers, [----] engagements

"Most South Africans dont realise this between now and [--] February [----] 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 62.9K followers, 82.9K engagements

"They had everything a 5-bedroom house BMWs overseas holidays. But when retirement came reality hit hard. He never paid attention to what was going into his pension or how it was invested. When the money ran out he was forced to keep working deep into his 70s. Now in their 80s they rely on their daughter for accommodation and medical aid and theyve lost their independence. Thats the real cost of poor retirement planning. If youre a professional or entrepreneur earning well today remember this: A high income doesnt guarantee a secure retirement. What matters is how well you plan invest and"
TikTok Link 2025-11-04T19:41Z 54.5K followers, 11.4K 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 62.7K followers, 83.2K engagements

"If youre seeing this youre already in the small circle of people who are actually learning how money really works. Most investors will never learn this. Theyll just trust whatever product they were sold and years later theyll wonder why their returns look disappointing. The truth is simple: Fees can quietly destroy your investment growth. Even a 1% difference in fees over time can mean the difference between retiring with freedom or retiring with regret. And heres the part nobody tells you: Whether you have a Retirement Annuity TFSA pension/provident fund or endowment your money is sitting"
TikTok Link 2025-11-07T18:46Z 55.1K followers, 10.8K engagements

"Too many South Africans only realise the value of proper financial guidance after the money is gone. I sat with someone who inherited a life-changing amount and within a year it had vanished. Not because she didnt care but because she didnt have anyone licensed or accountable helping her protect what her mother left her. Losing a parent is painful enough. Losing the inheritance they worked their whole life for is a different kind of heartbreak. And once its gone theres no start over button. If youre expecting an inheritance a payout or any large sum of money please dont navigate it alone or"
TikTok Link 2025-11-18T20:58Z 55.8K followers, 10.9K 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 64.5K followers, 210K 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 [--] or [--] 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 62.7K followers, 16.6K 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 91% of South Africans dont use a licensed financial planner. One of the top reasons Embarrassment. The fear of"
TikTok Link 2025-11-26T18:58Z 61.7K followers, 10.7K engagements

"Most people set up a trust thinking their assets are fully protected but very few actually run the trust correctly. And thats where the danger lies. If SARS creditors or the courts decide your trust isnt being administered properly they wont hesitate to collapse it and treat all the assets as your personal assets. That includes property investments even business assets. In this video I explain the biggest mistakes I see families and business owners make with their trusts and the simple steps you can take to keep your trust compliant protected and actually working the way it was intended to."
TikTok Link 2025-12-03T21:05Z 58.7K followers, [----] 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 62.7K followers, 10.3K 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 62.7K followers, 13.1K engagements

"Most professionals dont realise this until its too late. Every time you withdraw from your pension fund whether when changing jobs resigning or using the 2-pot savings component youre not just paying tax now. Youre also reducing the R550000 tax-free amount youre allowed to take at retirement. That means double taxation: tax when you withdraw and higher tax again when you retire. For high-income earners in the 36%45% tax bracket this mistake can cost hundreds of thousands of rands over your lifetime. This is why retirement planning isnt about chasing products or reacting to cash-flow pressure."
TikTok Link 2025-12-15T18:55Z [--] followers, 57K engagements

"A strong rand and falling interest rates sound like good news for South Africa but they dont benefit everyone equally. Right now investors who understand how currency strength and interest rate cycles work are positioning their money for growth while savers sitting in cash fixed deposits and money market accounts are quietly losing purchasing power to inflation. When interest rates fall cash returns drop. When the rand strengthens assets reprice and capital flows reward those who are invested not those who are waiting. This is how wealth is built during cycles most people misunderstand. If"
TikTok Link 2025-12-16T19:28Z 58.3K followers, [----] engagements

"Most people arent losing money because of fees. Theyre losing money because they dont understand value. If youre a high-income earner sitting in money market accounts fixed deposits or 32-day notices because they feel safe this video will challenge how you think about investing. Between inflation tax at 41%45% and low real returns being conservative can quietly destroy long-term wealth. In this video I break down a real comparison between a money market investor and a balanced fund investor and show how tax efficiency compounding and proper asset allocation matter more than chasing low fees."
TikTok Link 2025-12-19T17:37Z 58.8K followers, [----] engagements

"Most South Africans dont realise this until its too late: relying only on your employers pension fund could cut your income by more than half in retirement. If youre a high-income professional or business owner the tax impact alone can quietly destroy your lifestyle after you stop working. With the new 2-pot system many people are withdrawing today without understanding how it permanently reduces their retirement income tomorrow. The professionals I work with want clarity structure and a strategy that protects their income now while building a retirement they dont have to downgrade for later."
TikTok Link 2025-12-21T12:34Z 60K followers, [----] engagements

"This Christmas I just want to pause and say thank you not as a creator not as a financial advisor but as one human being speaking to another. Thank you for your time your trust your messages your support and for allowing me into your life through this platform. Whether youve been here from the very beginning or you joined along the way you are part of what makes The Financial Metaverse more than content its a community with purpose. This season is a reminder that while money is important it is not the meaning of life. Purpose is. Faith is. And the people we walk this journey with matter more"
TikTok Link 2025-12-25T11:56Z 59.6K followers, [----] engagements

"Most South Africans dont fail financially because they dont earn enough they fail because they take advice from the wrong people. A good licensed financial advisor doesnt just help you grow money. They help you avoid silent mistakes that cost millions over a lifetime unnecessary tax poor investment structures weak estate planning and retirement strategies that collapse when you need them most. I see it every day. High-income professionals who are saving but still leaking wealth. Families who think theyre protected only to discover too late that their plans dont work. And people trusting"
TikTok Link 2025-12-30T18:37Z 62.1K followers, [----] engagements

"Most civil servants dont realise that a living annuity can run out of money long before they do. If youre a GEPF member government employee or about to retire this could be the most important video you watch this year. In this video I explain: Why living annuities are one of the riskiest retirement income options How market crashes and sequencing risk destroy retirement capital Why increasing your income for inflation accelerates capital depletion How R5 million can run out in under [----] years When a life annuity or blended strategy makes more sense If youre already retired and your living"
TikTok Link 2026-01-19T19:29Z 72.4K followers, 96.8K engagements

"Most people work hard for money but very few understand how wealth is actually created. In Part [--] of this series I explain: Why money on its own is low value How wealth is created when currency moves into high-value assets Why businesses shares and property grow over time How the wealthy think differently about value and demand The simple principle that separates savers from investors. If you are a professional entrepreneur or high-income earner in South Africa and you want to build real long-term wealth this video is for you. This builds on Part [--] and sets up Part [--] where I explain how the"
TikTok Link 2026-01-28T20:58Z 72.5K followers, 39.7K engagements

"The Financial planning profession is not for everybody. In fact the vast majority don't make it. Just like in business there is a high failure rate and most people leave owing debt. If you are a new financial advisor you will need serious mentoring to have a chance at success. #financialadvisor #financialplanning #financialplanner #businesstips #thefinancialmetaverse #blackbusiness The harsh reality about black financial advisors in South Africa The harsh reality about black financial advisors in South Africa"
TikTok Link 2025-06-04T16:01Z 72.4K followers, 33.8K engagements

"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 [--] years 📌 For South Africans aged 18+ 📍 Master of the High Court Form J251 Estate Claims #guardiansfund #unclaimedinheritance #estateplanning #lastwillandtestament #financialadvisor #thefinancialmetaverse Your inheritance could still be waiting for you in the Guardians Fund. Heres how to claim it step-by-step. Your inheritance could still be waiting for you in the"
TikTok Link 2025-07-11T14:55Z 72.4K followers, 57.6K engagements

"I recently received a DM from a GEPF member who said I had [--] years of service but after withdrawing R30000 from my two-pot savings my years dropped to [--]. 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 72.4K followers, 237K 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 [---] 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 72.4K followers, 87.1K engagements

"Many widows and surviving spouses are shocked by unexpected tax bills after receiving a spouse pension from the Government Employees Pension Fund. Heres the truth most people are never told: that pension is added to your total income and South African Revenue Service doesnt calculate tax in isolation. Even if no tax is deducted upfront SARS will still assess you later and thats how people end up owing tens of thousands of rands. If youre receiving a GEPF spouse pension about to receive one or relying on pension income after the loss of a partner this is something you must plan for not react"
TikTok Link 2026-01-04T19:29Z 72.4K followers, 277.5K engagements

"Most South Africans dont realise how risky retirement income can be. A living annuity gives flexibility but market risk and sequencing risk can cause your income to drop and in many cases your money can run out while youre still alive. In this video I explain how a life annuity works why it provides a guaranteed income for life and how it can protect you and your spouse from the danger of outliving your retirement savings. I also explain how insurers calculate your income using age gender and actuarial factors and why the right structure matters more than chasing returns. If youre retired"
TikTok Link 2026-01-21T19:44Z 72.5K followers, 22.9K engagements

"Creating wealth is importantbut keeping it is what separates rich people from wealthy families. In Part [--] of this series I explain: Why structure matters more than returns How the wealthy protect their money from tax inflation and risk The role of TFSAs RAs endowments offshore investments trusts and businesses Why diversification is the ultimate form of wealth protection How one mistake can wipe out years of hard-earned capital. If you are a professional business owner or high-income earner in South Africa this is the part most people never learn until its too late. This video completes the"
TikTok Link 2026-01-29T21:49Z 72.5K followers, 18K engagements

"Are your interested in a career as a Financial Advisor in South Africa Do you think you have what it takes to make it in this lucrative profession Watch this video to the end #financialadvisor #howtobeafinancialadviser #jobplug #career #thefinancialmetaverse #financialplanner Watch to the end to start a career as a Financial Advisor Watch to the end to start a career as a Financial Advisor"
TikTok Link 2025-05-21T15:26Z 71.2K followers, [----] engagements

"Financial Advisors Wanted Opportunity of a Lifetime Are you entrepreneurial-minded and looking for a career with unlimited income potential and real impact Here's your sign The demand for Financial Advisors in South Africa is growing rapidly and all major FSPs are hiring If you're based in the Eastern Cape and ready to build a career in one of SAs most in-demand professions DM me now. This might just be the breakthrough youve been praying for. ✅ Be your own boss ✅ Get world-class training ✅ Unlock high earning potential ✅ Make a real difference in peoples lives Share this with friends or"
TikTok Link 2025-06-25T15:20Z 71.3K followers, [----] 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 [--] 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 Why More Adults"
TikTok Link 2025-07-15T15:11Z 68.7K followers, 637.2K engagements

"Learn how a Retirement Annuity (RA) can protect your money from creditors grow your investment tax-free and help you leave a bigger legacy for your family. Perfect for Black professionals and business owners in South Africa. This video breaks down how RAs are protected by law exempt from estate duty in many cases and avoid executor fees making them a smart tool for building generational wealth and securing your retirement. #retirementannuity #retirementplanning #wealthcreation #financialplanning #financialadvisor #blackprofessionals #thefinancialmetaverse Why the rich love Retirement"
TikTok Link 2025-07-18T15:54Z 72.1K followers, 28.8K engagements

"Theyre not teaching us this but its how you turn R3k a month into R33 million tax-free. Theyre not teaching us this but its how you turn R3k a month into R33 million tax-free. Theyre not teaching us this but its how you turn R3k a month into R33 million tax-free"
TikTok Link 2025-07-19T15:29Z 70.4K followers, 312.8K engagements

"Many South Africans have already withdrawn from their pension using the new 2-Pot System but at what cost In this video I break down the real consequences of early withdrawals and why it could ruin your retirement. I also share how a Retirement Annuity (RA) can help you recover grow your money tax-free and protect your future. If youve tapped into your savings this is your wake-up call. #retirementplanning #2potsystem #retirementannuity #pensionwithdrawal #personalfinance #financialplanning #thefinancialmetaverse WARNING: Pension Fund Withdrawals Could Leave Millions Destitute at Retirement"
TikTok Link 2025-07-25T18:02Z 71K followers, 73.3K engagements

"Interest rates in South Africa have been dropping and its costing you more than you think. If your money is sitting in a savings or fixed deposit account you could be losing value due to inflation. In this video I break down how the SA Reserve Banks repo rate cuts affect everyday savers and why many professionals are turning to shares property and offshore investments to protect and grow their wealth. Whether you're a Black professional business owner or family looking to build generational wealth this is essential financial knowledge. Learn how to make your money work harder with smart"
TikTok Link 2025-08-03T13:55Z 69K followers, 125.8K engagements

"Most people dont realise this until its too late but just relying on the life or disability cover from your job can leave you completely exposed. Im sharing this because Ive seen it happen. Someone leaves their job loses their group cover and by the time they apply for private cover their healths changed. and they either cant get cover or it costs a fortune. If youre young and healthy youre probably paying more than you should under your group scheme. You can actually get private cover for less and it stays with you no matter where you work. This is something I wish more people knew. If you"
TikTok Link 2025-08-04T15:39Z 69K followers, 10.7K engagements

"Most people think their money is safe in a savings account but the truth is inflation is quietly destroying your wealth. If you have R500000 or more sitting in the bank you need to understand the power of long-term investing. In this video I break down the difference between keeping your money in savings vs investing in the JSE and global equity funds. Using an example of R1 million over [--] years I show how the markets have historically outperformed cash by a wide margin and why time in the market not timing the market builds real wealth. As a trusted financial advisor I work with"
TikTok Link 2025-08-18T18:33Z 69.8K followers, 31.4K engagements

"Attention GEPF members in South Africa 🚨 The Government Employees Pension Fund is updating its actuarial interest factors from [--] October [----]. This means if you resign transfer your pension or need a cash value for divorce or other exits your payout could be 15% 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 69.7K followers, 103.8K engagements

"Many people are losing money on DIY investing platforms like Easy Equities because they follow unlicensed influencers instead of getting professional financial advice. In this video I explain the hidden risks of DIY investing why most people fail and how professional guidance can help you build wealth safely and sustainably. If youve been trying to invest on your own and feel stuck this message is for you. #investing #easyequities #financialplanning #financialadvisor #wealthbuilding DIY investing is costing you money Heres the truth no one tells you DIY investing is costing you money Heres"
TikTok Link 2025-09-05T19:24Z [--] followers, 20.7K engagements

"Breaking GEPF Update (October 2025): The Government Employees Pension Fund (GEPF) has officially suspended all Two-Pot withdrawals from [--] October to [--] October [----] to update its systems with new actuarial factors used to calculate members benefits. If you were planning to access your Savings Pot this month heres what you need to know: withdrawals are paused temporarily but will reopen on [--] October [----]. All other GEPF benefits and pension payments continue as normal. In this video I break down: ✅ Why GEPF suspended withdrawals ✅ What this means for your savings and cash flow ✅ What to do if"
TikTok Link 2025-10-07T16:09Z 68.9K followers, 611.6K 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 70.6K followers, 38.6K engagements

"Thousands of South African government employees are shocked to see their GEPF fund values drop by up to R500000. 😳 Heres whats really happening and whos affected. The GEPF has updated its actuarial factors which directly impact members who are resigning or transferring their benefits to private funds. If youre planning to exit the GEPF your actuarial value may be lower than before. But if youre staying in the fund and plan to retire through GEPF your pension remains unaffected. The GEPF has also temporarily suspended two-pot withdrawals while they update their systems and with their call"
TikTok Link 2025-10-09T17:13Z 72.1K followers, 417.5K 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 [--] followers, 208.2K engagements

"In this video I break down the [--] most common life cover mistakes people make: [--] Taking out partially underwritten cover over the phone. [--] Not calculating how much cover they actually need. [--] Nominating a minor child as a beneficiary. [--] Trusting a family member to manage the payout for your kids. I was invited by YFM this morning to unpack these mistakes on radio and now Im sharing them here so you can protect your familys future. ✅ Watch till the end to learn how to avoid claim rejections delays and financial stress for your loved ones. 🔒 Want the full solution Subscribe to access the"
TikTok Link 2025-10-14T20:43Z [--] followers, 302.5K engagements

"If you earn from [--] jobs or side hustles you could owe SARS thousands without knowing it. Heres the truth: your employers dont talk to each other but SARS does. When they combine your total income you could jump into a higher tax bracket and suddenly owe over R100000 in unpaid tax. 💸 Most people only find out when its too late at assessment time. Dont be one of them. If youre earning from multiple employers you need to plan ahead now to avoid a massive tax bill later. DM me TAX CHECK and Ill show you exactly how to calculate your true tax exposure avoid penalties and turn that extra income"
TikTok Link 2025-11-12T22:11Z 69.6K followers, 17.6K engagements

"Most South Africans think their family trust is protecting their assets but 80% 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 70.4K followers, 33.2K 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 [--] 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 [--] followers, 27.6K engagements

"Most stokvels were designed for a time when investment options were limited. Today if youre a high-income professional or business owner continuing to rely on a stokvel could be costing you tens of thousands in lost growth and tax benefits. Putting R5000 per month into a stokvel may feel disciplined but it offers no real growth little protection and zero tax efficiency. Compare that to structured investments like a retirement annuity where the same contribution can unlock significant tax refunds long-term compounding and proper estate planning. This is the difference between saving money and"
TikTok Link 2025-12-29T19:17Z 71.8K followers, 17.3K engagements

"Most South Africans even high-net-worth individuals have all their wealth in South Africa. Same currency. Same economy. Same risk. Offshore investing isnt about leaving South Africa. Its about protecting your buying power diversifying risk and giving your capital global opportunity. Every South African can legally invest up to R11 million per year offshore using the Single Discretionary Allowance and Foreign Investment Allowance yet very few people structure this correctly. This is where professional financial planning makes the difference. I work with professionals and families who dont wait"
TikTok Link 2026-01-08T20:09Z 71.1K followers, 10.5K engagements

"Most people think saving money will make them wealthy. But the truth is currency was never designed to store value. In this video I explain: Why money started losing value after the 1970s The real meaning of currency and why it must flow How demand and supply determine real wealth Why savers are silently getting poorer every year The first principle behind real capital growth This is Part [--] of a powerful 3-part series on how wealth is created and preserved. If you are a professional entrepreneur business owner or high-income earner in South Africa and you want to build real long-term wealth"
TikTok Link 2026-01-27T21:41Z 67.4K followers, 203.1K engagements

"Have you ever wondered why SARS rewards you for saving for retirement while taxing almost everything else so heavily In this video I explain: Why fewer than 6% of South Africans retire with 75% or more of their income How the state plans for future financial dependency Why SARS would rather tax you now if you dont make retirement provision How retirement contributions legally reduce your tax bill Why this matters even more if youre in the 41%+ tax bracket. If youre a professional entrepreneur or high-income earner retirement planning isnt just about age [--] its one of the smartest tax"
TikTok Link 2026-02-01T21:37Z 72.5K followers, 18.5K engagements

"Most retirees dont make bad choices they make uninformed risk choices. A living annuity = flexibility but you carry the risk A life annuity = certainty but less control ⚖ This isnt just a product decision its a risk decision And the wrong one could mean your money runs out before you do. Retirement income needs strategy not guesswork. If youre close to retirement or already there lets make sure your plan is built to last. 📩 Details in my bio DM me Disclaimer: This content is for educational purposes only and does not constitute financial advice. Consult a licensed financial planning"
TikTok Link 2026-02-05T19:06Z 70.8K followers, [----] engagements

"Heres a strong professional description you can use 👇 Funeral cover may take care of todays costs but life cover protects your familys future. Too many people focus only on the immediate expense of a funeral while the real financial risk is the loss of income debt education costs and long-term security. Life cover is designed to replace your income protect your familys lifestyle and make sure your loved ones dont struggle financially when youre no longer there. Its not just about burial its about stability dignity and giving your family time to grieve without financial pressure. If you truly"
TikTok Link 2026-02-16T09:02Z 72.5K followers, [----] engagements

"Fear has stopped many families from securing their future. In this video we unpack one of the biggest myths around life cover and how this belief has cost generations millions. Many people were raised to believe that life cover invites death or that naming your children as beneficiaries could somehow bring harm. But the truth is simple: planning for death does not cause death. Avoiding planning only guarantees financial stress for the people you love most. You insure your car even though you dont plan to crash it. You insure your home even though you dont plan to lose it. Life cover works the"
TikTok Link 2026-02-15T09:16Z 72.5K followers, [----] engagements

"Before you cancel your life cover pause. That policy isnt just for you. Its for your children. When income drops or expenses rise many parents quietly cancel their life cover and years of value disappear overnight. But theres another option. Have the conversation. If your children are employed show them what the policy is worth. Show them what they stand to lose if it lapses. Even a small contribution from them could preserve a benefit that may never be replaceable. Dont cancel before reviewing your options. Sometimes protecting your legacy simply means sharing the responsibility. If youre"
TikTok Link 2026-02-13T09:12Z 72.5K followers, [----] engagements

"This mistake looks harmless but it quietly destroys retirement plans. Busy professionals delay increasing their contributions because life is happening. School fees. Property. Business. Responsibilities. But retirement doesnt reward intention. It rewards time in the market. The years you delay are the most valuable years youll ever lose. Compounding works for you or against you. If youre earning well but havent reviewed your retirement contributions recently this is your sign. Want to know if youre behind or still on track Contact my office using the number in my bio or send me a DM."
TikTok Link 2026-02-12T19:08Z 72.5K followers, [----] engagements

"If you dont fully understand the difference between a pension fund provident fund and retirement annuity it could quietly cost you millions over time. Most people contribute because its set up by HRnot because they understand how each vehicle fits into a long-term strategy. But these structures have different tax treatments access rules and planning implications. Using the wrong vehicle for the wrong goal can derail your retirement plan without you even realising it. Retirement planning isnt about collecting products. Its about using the right ones intentionally. If you want help structuring"
TikTok Link 2026-02-10T20:26Z 72.5K followers, 15.1K engagements

"Retirement doesnt fail because of irresponsibility. It fails because no one explains what it really takes to replace an income for [--] [--] or even [--] years. Retirement isnt a savings goal. Its an income replacement problem and without early planning last-minute panic wont fix it. If this is hitting close to home and you want clarity on your own situation contact my office using the number in my bio or send me a DM. Well assess where you truly stand. So be honest with yourself: Are you planning to retire comfortably or are you just hoping it works out Disclaimer: This content is for educational"
TikTok Link 2026-02-08T18:21Z 72.5K followers, [----] engagements

"R5 million sounds like a comfortable retirement numberuntil you test it against real life. This video breaks down why retirement planning isnt about a lump sum on paper but about the monthly income your capital must produce for the rest of your life and how that income needs to keep up with inflation medical costs and longer life expectancy. One of the biggest mistakes people make is assuming expenses drop significantly after retirement. For most professionals they dont. If you want a retirement calculation based on your actual lifestyle and long-term goals contact my office using the number"
TikTok Link 2026-02-06T16:23Z 72.5K followers, 18.8K engagements

"Most people think keeping money in cash is safe. But what if that safe choice is quietly costing you wealth every single year 💰 Interest gets taxed as income 📈 Growth investments are taxed differently often later and at lower rates ⚠ Its not about what you earn its about what you keep after tax Two people can save the same amount and get the same returns and still end up in totally different financial positions. Wealth isnt built by just saving. Its built by investing smartly. Disclaimer: This content is for educational purposes only and does not constitute financial advice. Consult a"
TikTok Link 2026-02-04T20:51Z 72.5K followers, [----] engagements

"Most investors obsess over fees but ignore the one cost that can quietly take a much bigger bite tax. A 1% fee feels painful. But poor tax planning can cost you far more over time. Its not just about what you earn. Its about what you keep. Smart investing isnt only about returns its about tax efficiency structure and strategy. Before chasing the next big opportunity make sure taxes arent silently eating your profits. Disclaimer: This content is for educational purposes only and does not constitute financial advice. Consult a licences financial planning professional before making investment"
TikTok Link 2026-02-02T18:58Z 72.5K followers, [----] engagements

"Have you ever wondered why SARS rewards you for saving for retirement while taxing almost everything else so heavily In this video I explain: Why fewer than 6% of South Africans retire with 75% or more of their income How the state plans for future financial dependency Why SARS would rather tax you now if you dont make retirement provision How retirement contributions legally reduce your tax bill Why this matters even more if youre in the 41%+ tax bracket. If youre a professional entrepreneur or high-income earner retirement planning isnt just about age [--] its one of the smartest tax"
TikTok Link 2026-02-01T21:37Z 72.5K followers, 18.5K engagements

"Most people think money in the bank is safeuntil it isnt. In this video I share a real story about how keeping large sums of cash in a transactional account can destroy wealth instead of protecting it. Youll learn: Why large bank balances quietly lose value to inflation How cash becomes a target for fraud and scams What most families dont know about estate delays and frozen accounts Why structure matters more than where you bank How wealthy families protect capital properly. If you are a professional business owner or high-income earner or if your parents are sitting with large sums of cash"
TikTok Link 2026-01-30T17:59Z 72.5K followers, 18.5K engagements

"Creating wealth is importantbut keeping it is what separates rich people from wealthy families. In Part [--] of this series I explain: Why structure matters more than returns How the wealthy protect their money from tax inflation and risk The role of TFSAs RAs endowments offshore investments trusts and businesses Why diversification is the ultimate form of wealth protection How one mistake can wipe out years of hard-earned capital. If you are a professional business owner or high-income earner in South Africa this is the part most people never learn until its too late. This video completes the"
TikTok Link 2026-01-29T21:49Z 72.5K followers, 18K engagements

"Most people work hard for money but very few understand how wealth is actually created. In Part [--] of this series I explain: Why money on its own is low value How wealth is created when currency moves into high-value assets Why businesses shares and property grow over time How the wealthy think differently about value and demand The simple principle that separates savers from investors. If you are a professional entrepreneur or high-income earner in South Africa and you want to build real long-term wealth this video is for you. This builds on Part [--] and sets up Part [--] where I explain how the"
TikTok Link 2026-01-28T20:58Z 72.5K followers, 39.7K engagements

"Most South Africans dont realise how risky retirement income can be. A living annuity gives flexibility but market risk and sequencing risk can cause your income to drop and in many cases your money can run out while youre still alive. In this video I explain how a life annuity works why it provides a guaranteed income for life and how it can protect you and your spouse from the danger of outliving your retirement savings. I also explain how insurers calculate your income using age gender and actuarial factors and why the right structure matters more than chasing returns. If youre retired"
TikTok Link 2026-01-21T19:44Z 72.5K followers, 22.9K engagements

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creator/tiktok::zolangqisha
/creator/tiktok::zolangqisha