Southwood Financial Planning

10/06/2026

Tax-Free Savings Accounts have received a welcome boost in the 2026 Budget.

Annual contribution limit:
2025: R36,000 per year
2026: R46,000 per year

✓ An increase of R10,000 annually; the lifetime contribution limit remains R500,000.

Why does this matter?

* Any growth, dividends and interest earned within a Tax-Free Savings Account are completely free from tax, allowing your money to work harder over time.

* If you maximise the new annual allowance, you can now invest up to R3,833 per month tax-free, compared to R3,000 per month previously.

* The key isn't trying to time the market; it's starting early and contributing consistently. Small contributions today can make a significant difference over the years through the power of compound growth.

If you're not yet making use of your Tax-Free Savings Account allowance, now may be the perfect time to review your financial plan.

02/06/2026

https://www.southwood.co.za/over-coffee-market-economic-commentary-may-2026

INFLATION | South Africa’s annual inflation rate rose to 4% in April 2026 – the highest reading since August 2024. SA RATES | The South African Reserve Bank raised its key repo rate by 25 bps to 7% in May – marking its first rate hike since 2023. Click the link above to read more.

28/05/2026

The SARB has increased the repo rate by 25bps for the first time in three years, bringing:

* Repo Rate to 7%
* Prime Lending Rate to 10.50%

What does this mean for you?
Higher borrowing costs could impact bond repayments, vehicle finance, and monthly debt obligations — making smart financial planning more important than ever.

If you’d like to understand how these changes may affect your financial goals, we’re here to help.

27/05/2026

We are honored to support the 2026 Toyota Western Cape Equitation Champs 2026.
At Southwood Financial Planning, we are passionate about supporting communities, empowering young talent and being part of initiatives that create opportunities for growth and excellence.
A sincere thank you to the organizers, riders and supporters who make this championship such a special event each year. We are proud to stand alongside Toyota South Africa Motors in supporting the equestrian community.

A huge thank you to Southwood Financial Planning for supporting the Toyota 2026 Western Cape Equitation Champs!

Since 2001, Southwood Financial Planning has been helping individuals and business owners work towards their financial goals with professional, independent advice — and we’re so grateful to have your support helping our equestrian community grow and thrive.



@
Toyota SA

25/05/2026

https://www.southwood.co.za/the-risks-beneath-the-index-the-opportunities-beyond
For more than a decade, passive investing has been one of the defining trends in global asset management. Low costs, simplicity, and strong performance have made index-tracking strategies increasingly...click to continue reading

05/05/2026

https://www.southwood.co.za/over-coffee-market-economic-commentary-april-2026
EQUITIES The MSCI World Index, covering companies across 23 developed markets, posted its strongest month since 2020| CRYTO Bitcoin, which accounts for over 50% of total cryptocurrency market capitalisation, rose 13% in April. It remains 12% down for the year. Click the link above to read more.

27/04/2026

Freedom isn’t one thing. It’s the quiet confidence of knowing your family is secure.
It’s the ability to choose your path. It’s having the time to live the life you’ve worked hard for.

At Southwood, we believe financial planning should protect what freedom means to you. Because real freedom… is personal.

08/04/2026

Herewith a brief note from the Nedgroup Investments multi-manager team providing an update on developments in the Middle East over the past 24 hours. https://www.southwood.co.za/the-middle-east-over-the-past-24-hours

07/04/2026

https://www.southwood.co.za/over-coffee-market-economic-commentary-march-2026

SA RATES | SARB keeps rates snug at 6.75%. No Easter bunny surprises in this basket. TRADE HOP | February’s surplus takes a giant bunny hop to R36.9bn, up from January’s revised R8.5bn. Click the link above to read more.

03/03/2026

https://www.southwood.co.za/over-coffee-market-economic-commentary-february-2026

INVESTING | National Treasury announced in the February budget an increase to the contribution limit for TFSA from R36 000 to R46 000 p.a. JSE | The ALSI delivered its 12th consecutive positive month in February 2026. Click the link above to read more.