About this site

A South African writes about his own money so you can keep more of yours.

Who's behind it

[Your name here.] A short, first-person bio — your background, why you started digging into fees, and what you're building toward. A sentence or two that makes a stranger trust you with their retirement.

Why NotFinancialAdvice

[The "why."] South African advisors are mostly paid to put you in their own group's products — and that quietly costs most investors a fortune in fees over decades. This site exists to lay that out in plain numbers, product by product, so you can run your own money instead of paying someone to run it for you.

What you'll find

Fee-first comparisons of tax-free savings accounts, retirement annuities, and insurance-vs-investment products. Every number is cited, every claim backed up, and the jargon translated. With the occasional pun, because finance without humour is just accounting.

Not financial advice. Everything here is educational. It is not a personalised recommendation, and nothing here is a promise of returns. Do your own research and talk to a qualified, fee-transparent professional before acting.