Author: Sphiwe Maluleka

Sphiwe Maluleka is a self-taught investor and the founder of The Azanian Investor. Based in South Africa, he began his investing journey in 2020 after losing money in retail forex trading — an experience that forced him to research and understand how money actually works. He has since focused on long-term, evidence-based investing through TFSAs, ETFs, and retirement annuities, and has mentored multiple people across South Africa who have gone on to start their own TFSA journeys. Sphiwe is not a licensed financial advisor. All content on this site reflects his personal research and is educational only.

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

I 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, Google, Nvidia, Anthropic, Meta, and more. Everyone is watching the AI race and thinking: Should I put my TFSA money into the Nasdaq 100? It is […]

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

I’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 know the difference between a LISP RA vs Traditional RA. These are set out to achieve the same goal: ensuring you retire comfortably, but choosing the wrong one could cost […]

TFSA Annual Limit Increased to R46,000

The 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 2026/2027 tax year. The lifetime limit remains unchanged at R500,000. This is the first increase to the TFSA annual limit since 2020, when it went from R33,000 […]

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

Today, 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 unsure which ETFs to buy, this article will help you analyse some of the most bought ETFs for TFSAs in South Africa. The […]

Retirement Annuity Tax Deduction Explained (With Examples)

This 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 retirement annuity, you’re entitled to a tax deduction. That deduction lowers your taxable income, which means you pay less tax now. The question most people have […]

TFSA vs Retirement Annuity: Where Does R3000 Grow Better?

If you have R3 000 a month to invest and you’re unsure whether a tax-free savings account (TFSA) or a retirement annuity (RA) is the better fit, the honest answer is: it depends. Your tax bracket, time horizon, access needs, and existing retirement benefits all affect which vehicle works better for you — and many […]