Saving & Investing in South Africa: Guides (2026)
Choosing where to save or invest comes down to fees, flexibility and tax. These guides compare tax-free savings accounts, ETFs, unit trusts and investing platforms on what you'd actually pay in rand, and explain the rules that apply, such as contribution limits and the penalty for going over them.
General information, not advice. Past performance doesn't predict future returns, and investments can lose value. Read the provider's minimum disclosure document before investing, or speak to an FSCA-registered financial adviser.
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Saving & Investing
How Much Interest Is Tax-Free in South Africa? The R23,800 Exemption Explained (2026/27)
The first R23,800 of local interest is tax-free in 2026/27 (R34,500 at 65+). How the interest exemption works, when interest is taxed and how TFSAs help.
- Saving & Investing RSA Retail Savings Bonds (October 2026): Rates, Rules and How to Invest Government retail bonds pay 8.25% to 9% fixed (2 to 5 years), or inflation plus 4.25% to 4.75%. October 2026 rates, who can invest, withdrawals and tax.
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Saving & Investing
Best Tax-Free Savings Accounts in South Africa (2026): Fees Compared
We compared tax-free savings accounts from EasyEquities, SatrixNOW, 10X and Discovery Bank on real fees in rand. Plus the new R46,000 limit and the rules.
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