These accounts all start with “tax-free” because they are literally free of tax. You pay no dividends tax, no income tax and no capital gains on your investments. If you manage to stay invested for a 25-year period, the tax saving amounts to more than R2 million. Yes, million.

The government doesn’t so much give you money, as they do take less of it. Be sure to use of tax free savings and retirement contributions to benefit.

You can make money from a share by selling it at a higher price than you paid for it. In this article we’ll explain why shares make money over time, offer some ideas on choosing the right shares and explain why it isn’t a good idea to put all your money in a single share.

Investing in the stock market is a way of turning your cash into paper assets called shares. You make money holding a share in one of two ways. This week we explain the first way, namely dividends. Next week we’ll delve into selling an asset for a profit.