Last updated 14 June 2026

The Azanian Investor ebook — TFSA guide for South Africans
The Wealth Series · № 01 Out now · R199

You don't know
what you don't
know.

The complete guide to building your TFSA portfolio, written for the next generation of South African wealth. The site is free forever — the calculators and guides are below, the book is the deep dive, and the only thing on this site that costs anything.

2026 SARS rules SA-specific only No ads · No fees · No jargon
Calculators
6
Topic guides
12+
Updated
May 2026

Grow your money. Keep what you earn. Plain-English investing education built on South African tax law, JSE markets, and rand-denominated goals — because the rules that actually decide your retirement were written in Pretoria, not on a finance channel based in New York.

Sphiwe Maluleka · The Azanian Investor

Key rates · 2026 / 27 SARS Budget 2026
R 46 000
TFSA annual limit
R 500 000
TFSA lifetime cap
27.5%
RA deduction limit
R 40 000
CGT annual exclusion
40%
CGT inclusion (indiv.)
11.75%
Prime lending rate
The calculators

See what your money can do.

TFSA · Tax-free

TFSA Growth

Project your tax-free portfolio against the R46 000 annual and R500 000 lifetime caps.

Projected value at 20 years
R 2 278 000+
100% tax-free · based on R3 000/mo at 10% p.a.
Open full calculator →
RA · Tax-deductible

Retirement Annuity

See how much the 27.5% SARS deduction saves you in tax every year while growing your RA.

Tax saving per year
R 13 200+
At R5 000/mo contribution · 26% marginal rate
Open full calculator →
Salary · PAYE 2026/27

Net ↔ Gross Salary

Convert between take-home and cost-to-company using the 2026/2027 SARS tax tables.

Monthly take-home
R 23 400+
On R30 000 gross · after PAYE + UIF
Open full calculator →
The guides

Start with the fundamentals.

Four long-form guides that cover the bones of every conversation about South African investing, written without jargon and without sponsored product placements.

TFSA№ 01

How Does a TFSA Work in South Africa?

  • Annual limit (R46 000)
  • Lifetime cap (R500 000)
  • What you can invest in
12 min readRead guide →
Getting started№ 02

How to Start Investing in South Africa

  • Step-by-step setup
  • Platforms compared
  • Common beginner mistakes
14 min readRead guide →
ETFs№ 03

What Is an ETF? A Beginner's Guide

  • TER explained
  • JSE-listed ETF types
  • How to actually buy one
10 min readRead guide →
Tax№ 04

South African Tax Brackets 2026/2027

  • SARS tables
  • Worked examples
  • Primary, secondary, tertiary rebates
9 min readRead guide →

Section Title

Is the Nasdaq 100 ETF a Good Buy for Your TFSA?

Is the Nasdaq 100 ETF a Good Buy for Your TFSA?

BySphiwe Maluleka April 27, 2026 Uncategorized
Last updated 14 June 2026I am not a financial advisor. This article is for educational purposes only and should not be taken as personal financial advice. The question is everywhere right now. OpenAI...
Read More
LISP RA vs Traditional RA comparison

LISP RA vs Traditional RA: What’s the difference?

BySphiwe Maluleka April 21, 2026 Uncategorized
Last updated 14 June 2026I’ve been seeing various videos online about people’s retirement annuity (RA) returns and fees. When I looked at the comments, I realised most people don’t...
Read More
TFSA Annual Limit Increased to R46,000

TFSA Annual Limit Increased to R46,000

BySphiwe Maluleka February 25, 2026 Business,Finance,TFSA
Last updated 14 June 2026The Minister of Finance announced today (25 Feb 2026), in the 2026 Budget Speech, that the annual TFSA contribution limit will increase from R36,000 to R46,000 for the...
Read More
5 best ETFs to buy in 2026 for your TFSA in South Africa

5 Best ETFs to Buy in 2026 (For Your TFSA)

BySphiwe Maluleka February 22, 2026 Finance,TFSA
Last updated 14 June 2026Today, we are exploring the 5 best ETFs to buy in 2026 for your TFSA. If you’re starting out a tax-free savings account (TFSA), or have already started it but you are...
Read More
Retirement Annuity Tax Deduction Explained (With Examples)

Retirement Annuity Tax Deduction Explained (With Examples)

BySphiwe Maluleka February 21, 2026 Finance
Last updated 14 June 2026This article explains how the retirement annuity tax deduction works in South Africa and how much tax you can save based on your income. If you’re contributing to a...
Read More
You Don't Know What You Don't Know The complete TFSA guide · PDF · Instant download

About This Site

The Azanian Investor is a South Africa-focused beginner investing education site run by Sphiwe Maluleka.

Content is educational, South Africa-specific, and updated when rules change. Nothing here is personal financial advice. About this site  ·  Editorial policy

This content is for educational purposes only and does not constitute financial advice. Consult a licensed financial advisor before making investment decisions.