Munaf's Insights

Looking for insights into your own personal financial situation? Contact Me


I recently came across a statistic which stated that only 8% of people achieve their financial goals for the year. While it might be relatively easy coming up with financial goals, the difficult part is going about achieving them.Personally, my financial goals for the year are starting an investment for my baby’s education and investing […]

My Thoughts on the Municipal Elections

In the last 6 months, I have heard many people making comments about how South Africa is going downhill; or how our currency will depreciate as it happened in Zimbabwe a little while back. Some people talk about leaving the country while others are having sleepless nights thinking about retrenchment or higher living costs.Political instability […]

BREXIT… and the impact it has on South Africans

On Friday, 24th June, we woke up to news that Britain had voted to leave the European Union (EU). This was an entirely unanticipated outcome and the reason I say this is because the financial markets were priced for Britain to remain in the EU and that conviction has been growing over the last couple […]

Money Management for Couples

This is a delicate subject to advise on as every marriage is unique. And I don’t consider myself Dr Phil so I will refrain from advising on how couples should go about managing their finances together.If a couple is getting along just fine and if money isn’t something they fight about often, then that’s great! […]

A Financial Guide for Young Professionals

I recently had a chat with one of my clients, a young pharmacist who has been working for just over a year. He was asking me a variety of financial questions, all in an effort to determine how he could make the most with his salary so that one day he could be a wealthy […]

Property vs Unit Trust Funds

Here’s an interesting question, and one that I have been asked frequently: “I want to invest; should I buy property and rent it out (buy-to-let property) or should I invest into unit trust funds such as Coronation, Allan Gray, etc.?”Tricky question! We all must invest optimally to ensure maximum returns. After all, a couple extra […]

What to expect in 2016 and how you can prepare for it

The year 2015 was probably the worst year we have had, economically, over the last decade. The rand depreciated by 25% to the dollar, South Africa’s credit rating was downgraded to BBB- which is one level above junk status and the Johannesburg Stock Exchange All Share Index performed at a mere 2%.There are several reasons […]

Interest Rates 101 – Understand It. Apply It. And Make Money

As mentioned in my previous article, we are heading into a tough year. The interest rate recently increased by 0.5% and more increases are expected during the course of the year. With the interest rate now having a bigger impact on our finances and hence our standard of living and quality of life, I think […]

3 Steps to retiring early

South Africans today are struggling to retire. With inflation eating away at our wealth and the lack of financial knowledge, too many people are forced to work into their late 60’s and 70’s or alternatively, live their retirement years struggling financially.We all want to retire as soon as possible. The key to this is PASSIVE […]

Taking charge of your finances

Too often, we become complacent about our personal finances and as a result, we miss out on the long-term benefits. There is rarely a sense of urgency when it comes to one’s personal finances because the consequences are not easily visible or obvious. Growing your wealth and reaching that goal of endless passive income is […]