Money with Carla

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I always preach this: Keep your fees low to maximise portfolio growth. But what if you're already invested in high-fee products? Today I'm introducing my 6-year rule for exiting high-fee products.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. Stuck In High-Fee Investments? 6-Year Rule Video · Sign up for my FREE Investing Masterclass!

Does a retirement annuity’s tax saving automatically make it the best investment? Carla compares RAs with investing directly in global equity ETFs, exploring tax, investment restrictions, fees and how your time to retirement changes the picture.

Using Laura and Nora’s investment scenarios, she explains the trade-offs, flags expensive life insurance RAs, and shares questions to ask before committing. Here's my free RA guide: · Sign up for my Masterclass at the end of October:

This week I sit down with Marisca, a tax expert, to unpack trusts and estate planning in South Africa. We chat about when a trust makes sense, common mistakes, and how to plan ahead to protect the wealth you leave to your family. Find Marisca on Socials

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Free Investment Masterclass: https://learn.moneywithcarla.com/masterclass2026

Most South Africans are losing hundreds of thousands of rands in household-name investment funds, without even realising it. In this video I compare real fund performance from two of my students against equivalent ETFs, and show you exactly how to benchmark any active fund yourself (it takes about five minutes).

What you'll learn:

1. Why big brand = good investment is one of the most expensive assumptions you can make

2. How to find a fund's minimum disclosure document and read the numbers that matter

3. A simple method to compare any active fund against its benchmark index

What 95% of SA equity funds and 100% of global equity funds have in common (spoiler: it's not good)

4. The real rand difference between 1% and 6% annual underperformance over 20 years Get the book here · Free Investment Masterclass

Find Anzel on socials:

https://www.instagram.com/anzelrabie/?hl=en

What does a CA who almost became Miss SA have to teach us about generational wealth? More than you'd expect.

In this episode, I sit down with Anzel – chartered accountant turned TV personality and mom of two – to talk about the money lessons we weren't taught growing up, and the ones we're now trying to pass on to our own kids.

We cover a lot of ground: how an Afrikaner upbringing shaped her relationship with money, why tax-free savings accounts are the first thing she maxes out on 1 March every year (and the costly mistake she made with hers), and why parking money in the stock market is not the same thing as building wealth.

There's also a really honest conversation about mom guilt, career pivots, and what it actually means to give your children more than you started with.

Disclaimers:

All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms