Secure your future – it’s never too late to start      
Interesting Articles 

Here are a few interesting articles you should take the time to read: 

How to gain financial independence as a young adult

One’s first payday marks the first day towards becoming a financially independent adult. Here are four ‘getting real’ tips new employees need to consider while holding that payslip.

Living to be 100 - How to keep your finances on track

People are living longer. And while this can be a gift, it does pose some risks when it comes to saving enough for retirement. 
It is time to give yourself a money check-up, create a mid-year budget, and make some necessary financial adjustments.

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A tale of temptation

There is a valuable lesson to be learned about planning for the future in our latest article.

South Africa has been downgraded. How should you react?

Find out what to do, and what NOT to do, in our latest helpful article.

How are you affected by SA's budget?

Finance Minister Pravin Gordhan delivered a hard-hitting message to all South Africans in his 2017 budget speech, warning of tough financial times ahead. We have a look at some of the announcements.

How to manage your parental pocket

The world is an expensive place to live in, and raising a child makes managing your money even harder. We’ve listed some advice for keeping your budget in line while still enjoying life with your kids.

Make the most of the ways to make money

The 21st century is all about flexibility and thinking out of the box. How can you make it work for you? Find out more about alternative sources of income in our latest article.

Perfect planning for the holidays on a budget

There’s nothing that ruins the mood of a good holiday like having to count every cent you spend. Planning can go a long way. Here's how to plan a perfect holiday budget.

The upside of downsizing – embrace freedom and flexibility

How to live a simpler life within simpler means. The less your monthly expenses become, the more you are saving for your future after retirement.

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National Wills Week: 12-16 September

A participating attorney will draft a basic will for you free of charge during this week.

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Have you maintained your financial resolve?

We're halfway through the year... are you halfway towards meeting your savings resolutions? If not, don't despair. It's never too late to start afresh.

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Managing your money for the sake of tomorrow

Get into the habit of planning ahead to make sure that your financial future is sweet. 

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South Africa's credit rating

Our country has narrowly avoided being reduced to junk status. But do you understand what this means, and the implications?

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How are you really affected by SA's budget?

Find out what went up, what came down, and what stayed the same in our helpful infographic.

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How should you react to volatile markets?

By staying calm - find out why in our latest article.

More reasons than ever to leave your savings intact

Taxation, compound interest, returns... find out why it's so important to save as much as possible for as long as possible.

Decisions, Decisions

If you're close to retirement, it's high time to start considering the options available to you. With the help of a useful calculator, of course.


Tax directives can no longer be cancelled or reversed! Find out what this means and what you need to do about it.

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Bad advice could be worse than none at all.

Don't take chances with your hard-earned savings. Get the best financial advisor available, and one that's right for you, with our helpful checklist.

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Money and relationships

If you and your partner have differing relationships with money, it is important to discuss your expectations, as not doing so might lead to unhappiness.

Try our calculators: Financial Likeness and Money Relationship with Partner

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Saving has never been easier!

Find out more about the benefits of tax-free savings accounts. They're here and they're great!

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Which parts of the national budget affect you directly?

Find out in our easy-to-follow, graphic breakdown of the highlights.

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Don't deflate your bank account

It's always a good time to save, and to create better spending habits. Find out how and why in our great new article.

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Making the right choices from the start

If you're just beginning your career, being financially responsible may not be on your list of priorities. Read our article to find out why you should be considering your future right now.

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Brilliant Budgeting

"A simple fact that is hard to learn is that the time to save money is when you have some."–Joe Moore

Now more than ever, you need to take a more active role in understanding and managing your finances. Budgeting is the easiest way to reduce your expenses and increase your savings. We've even got a helpful budget template ready for you to use: just click here.


Interest rate up? Don't let it get you down!

On the 29th of January 2014, South African Reserve Bank governor, Gill Marcus, announced that the interest rate would be increasing by 0.5%. What should you be doing to counteract the effects?



South Africans Retirement Crisis!

Retirement Planning by South African employees is starting to paint a grim picture as a survey shows that South African's are saving less and less for their retirement. Take a look at the Sanlam Benchmark survey to see what the realities and mistakes of the general South African employee are.
*Specific numbers apply to Retirement Funds in general all over South Africa and not specifically to UCTRF.


The Truth about Investment Risk

The truth about Investment Risk
Everyone enjoys taking a chance now and then. Doing something daring or dangerous can be fun and exciting. But when it comes to money, risk can be terrifying, yet sometimes necessary. In investment terms, risk is the uncertainty concerning how an investment will perform in the future.



What to do if you don't have a time machine

We have all, at some time or another, imagined owning a time machine to travel into the future. We have grand visions of lottery winnings and becoming the next Warren Buffet. Imagine the riches! But life is not that simple. Find out more about how to progress in the real world.


The ABC of Investing.

Investing for your retirement requires careful thought, but just like your other important life decisions, it is easier than you think. Take out a few minutes to read this article.


The Magic of Compound Interest - How it works for you!

The earlier you begin saving the better. Compound Interest can increase your savings by up to 90 percent. Read this article to find out more!