Affluence Capital

A Living Will is NOT the same as a Last Will.

Two important documents. Two very different purposes.

A Living Will deals with your healthcare wishes if you become unable to communicate or make informed decisions.

A Last Will & Testament deals with your estate and how your assets should be dealt with after your death.

Understanding the difference is an important part of planning ahead.

Have you considered both?

🩺 Have you made your wishes known?

A Living Will allows you to record your preferences about medical treatment in advance — particularly in circumstances where you may no longer be able to communicate or make informed decisions yourself.

It can help:
✔️ Communicate your healthcare wishes
✔️ Reduce the burden on your loved ones
✔️ Provide guidance to healthcare professionals
✔️ Reduce uncertainty during difficult circumstances

But what is the legal position of a Living Will in South Africa? And how does it differ from a Last Will and Testament?

We explore these questions, medical proxies, advance healthcare directives and other important considerations in our latest article:

👉 Living Will South Africa: Everything You Need to Know

Read the full article to understand why planning ahead can make an important difference.
https://www.affluence-capital.co.za/living-will-south-africa/

"Your financial future starts with one decision. Make it today."

The door is open. The view is waiting. All you have to do is step through. 🚪
Your financial future doesn't have to feel uncertain. With the right plan and the right team behind you, clarity is closer than you think.

Get in touch with Affluence Capital today — let's take that first step together.
🌐 www.affluencecapital.co.za

A Tax-Free Savings Account lets your money grow without SARS taking a cut — no tax on interest, dividends, or capital gains. Ever. 💰

If you're not using yours, you're leaving money on the table every single year.

Let's change that. Contact Affluence Capital today.

"Your money should be working while you sleep, not waiting for you to wake up."

Are you working hard for your money — or is your money working hard for you?
There's a difference between earning and building wealth. The secret lies in having the right plan, the right structure, and the right team behind you.

Let's make sure your money never sits idle. Get in touch with Affluence Capital today.

The sea doesn't always cooperate — but your financial plan can.
A steady strategy is what separates those who weather the storm from those who get swept away. Let us help you build one that holds.

⚠️ Tax season warning for every South African with a retirement fund.

It's that time of year again — and SARS is ready to collect.

If you're thinking about withdrawing from your Two-Pot Savings Pot now that a new tax year has opened, stop and read this first.

That withdrawal is not taxed at a flat rate. It is taxed at your personal income tax rate — which for many South Africans means handing over between 31% and 45% of every rand before you see a cent of it.

Add any outstanding SARS debt into the mix, and your actual payout could be a fraction of what you expected.

Tax season is the worst time to make a rushed retirement decision.

Before you withdraw, speak to someone who can show you the full picture — the tax hit, the compounding loss, and whether there's a smarter way to access the liquidity you need.

📞 Contact Affluence Capital for a consultation before you decide. → https://www.affluence-capital.co.za/contact-us/

⚠️ Thinking about withdrawing from your Two-Pot Savings Pot this year?

Before you do — read this.

The Two-Pot withdrawal tax is not a flat fee. It's charged at your personal marginal income tax rate. For top earners, that means SARS could take up to 45 cents of every rand before it reaches your bank account.

And that's before you account for what that capital would have grown into if it stayed invested — tax-free — for the next 15 years.

The Savings Pot was designed as a last-resort emergency valve. Not a top-up account. Not a school fees fund. Not an annual bonus.

In our latest article, we break down:
✔ Exactly how much tax you pay at each bracket
✔ The true long-term compounding cost of early withdrawals
✔ Three rules our private wealth team applies to protect retirement capital

Read the full article here: https://www.affluence-capital.co.za/the-45-tax-trap-why-high-earners-are-silently-destroying-retirement-wealth-under-south-africas-two-pot-system/

The right partner makes all the difference. 🤝

At Affluence Capital, we put your goals first — combining expert market knowledge with a personal touch so your wealth works as hard as you do.

📩 Reach out today to start the conversation.