DETOX YOUR FINANCES

Dear Client

As we begin 2026, we wish you a year of prosperity, growth and joy. Our commitment remains simple: to protect, grow and simplify your financial world while always acting in your best interest. We look forward to another year of working closely with you.

IN THE NEWS:

  • The JSE All Share Index is on 118 110 on 9 January 2026.
  • 1 US Dollar will cost you R16.40; 1 Pound = R22.10 and 1 Euro = R19.18.
  • SA inflation is 3.5% at the moment.
  • The prime lending rate in SA currently is 10.25% per annum.
  • The price of Oil is $58 per barrel.

IMPORTANTD DATES:

28 February: Additional Retirement Annuity and Tax Free Savings contributions for the 2026 Tax Year

Every year, you can make a pre-tax contribution to your retirement fund of up to 27.5% of your taxable income, capped at R350 000 per tax year. If you have not yet maximised your contributions for the current tax year, you can make an additional lump sum contribution to your retirement annuity (RA). You can also start a RA in your own name if you do not have one yet.

The other annual tax benefit the government offers is the ability to invest R36 000 per tax year (up to a maximum contribution of R500 000 over your lifetime) of after-tax money in a Tax Free Investment (TFI).

DETOX YOUR FINANCES

Start the year by clearing out financial clutter. We help you remove inefficiencies, reduce risk and align your money with what really matters — so every rand works harder for you in 2026.

Here Are 10 Ways to Detox Your Financial World:

  1. Cancel or downgrade unused debit orders, subscriptions and policies
  2. Review your investment portfolio and remove underperforming or misaligned investments
  3. Align your risk cover (Life cover, capital disability cover, severe illness cover and income protection) to your needs
  4. Consolidate debt and develop a plan to reduce debt, especially expensive debt
  5. Review and align your medical and insurance cover
  6. Bring your tax affairs fully up to date and eliminate compliance risk
  7. Simplify your financial structure — fewer accounts, clearer ownership and better control
  8. Revisit your will, trust and estate planning to ensure it still reflects your wishes
  9. Align your monthly budget with your real priorities, not old habits
  10. Get a professional financial health check to identify hidden risks and opportunities.

TO CONCLUDE

We would like to invite you, to make us part of your financial journey, in good and in challenging times and every life changing event in-between. Feel free to call us, or to book a physical or online meeting. We are here for you.

Wealth regards,

Fanie Jansen Van Vuuren CA (SA), CFP®

Director: FC Wealth and Investments (Pty) Ltd

E: fanie@fcfin.co.za  |  T: 083 384 5868

W: www.fcfin.co.za

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