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by Money with Carla
I'm a qualified accountant and investment professional with an MBA on a mission to enable smarter money choices and talk about things we all should've learned in school. I will share my lessons on money, life, and careers and I hope to encourage you to invest your own money, manage your personal finances better, and become more confident in your own money skills.
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What happens when two financial experts sit down to talk money and don't see eye to eye?I sat down with fellow financial expert Munya, also known as Modern Money, to discuss investing, retirement annuities, local vs offshore markets, ETFs, investment fees and building wealth. We share different perspectives, challenge each other's opinions and get into some big money questions.
Sign up for my FREE Investing Masterclass: https://learn.moneywithcarla.com/invest-masterclass-opt-in-feb-2026-1 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!
Ever wondered how I invest my own money? In this episode, I’m sharing the ETFs I hold, what I pay in fees and how I decide where my money goes first. I’ll also walk you through my cash flow waterfall and how I prioritise everything from paying off expensive debt to investing for the long term. Sign up for live masterclass
Market crashes might grab the headlines, but investment fees could be quietly costing you millions. In this episode, discover how a 2.75% annual fee can significantly reduce your retirement savings, why two investors with the same income and contributions can end up millions apart, and how to check what you're paying. Learn how to compare fees, understand the impact of compounding, and make smarter investment choices to protect your wealth and give your money the best chance to grow. Sign up for live masterclass · Big Name Funds Underperform. What are you paying for?
Join my masterclass: learn.moneywithcarla.com/invest Is it actually better to buy property or rent and invest the difference? I ran the numbers so you don't have to. Again. In this video I break down the buy vs rent debate properly, including the 7% rule, real property growth rates, and how stock market returns compare over the long run. The answer might surprise you. What I cover: - The true cost of buying (it's more than just your bond repayment - How the 7% rule works and whether it actually holds up against - Property growth vs stock market returns, side by side - When buying makes financial sense, and when renting wins - What the numbers say about which option leaves you better off This is one of the biggest financial decisions you'll ever make. 👇 Watch to the end, the comparison at the end changed how I think about this. 🔔 Subscribe for honest, no-fluff money content every week. Masterclass Sign Up
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
Get my book here: https://www.moneywithcarla.com/book 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
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Elizabeth Ralph
I'm a qualified accountant and investment professional with an MBA on a mission to enable smarter money choices and talk about things we all should've learned in school. I will share my lessons on money, life, and careers and I hope to encourage you to invest your own money, manage your personal finances better, and become more confident in your own money skills.
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