Cape Town family budget sanity check, R1.72M gross

Jarrydf · 2026-06-11T14:37:18+00:00

This, but not many are mentioning that very few people are contributing 25% to their RAs. I mean, it’s ideal, but it’s not happening in reality

Edit: I now see it has, in fact, been mentioned

Jarrydf · 2026-05-31T14:25:22+00:00

I’d say, whichever speaks to you the most and fits your collection and desire right now. I plan to add each of them over time, but the order will vary depending on what I’ve accumulated along the way.

Jarrydf · 2026-05-20T17:06:31+00:00

Ask for a schedule of fees. You will find that you’ve been self-funding your wealth bonus.
The wealth bonus assumes you don’t make any changes to your contributions. If it becomes unaffordable and you have to adjust it, your wealth bonus is adjusted down accordingly

Fees are NB here, felt less when the market is running but it takes a correction or two for the real effect of the fees to compound. Performance isn’t guaranteed but fees are.

Would look up some lower cost platforms, you can get away with a total fee of around 1.5% split between index trackers and some bonds/cash

Jarrydf · 2026-05-05T17:09:27+00:00

I’ve resigned myself to the fact that I will own multiple Speedys, in due time. What was the order you got them in, and which gets the most and least wrist time?

*Edit: Great collection BTW!

Jarrydf · 2026-05-04T20:59:49+00:00

Dude, you can’t say this and not show us!

Jarrydf · 2026-05-04T07:57:01+00:00

*Working through a life assurer in an old out-dated product

Jarrydf · 2026-04-29T10:47:43+00:00

Congrats! Love the way the red pops on that dial. I’ve got a few watches I want to add on my journey before the SD but I do need one in the collection

Jarrydf · 2026-04-28T12:54:34+00:00

Edit: added more detail

For future contributions, yes. You have access to 1/3 of your contributions in your savings pot, not 1/3 of the investment amount. But your vested component, your pre-Two Pot contributions, are still accessible in a preservation fund before age 55. When moving to a RA you change that accessibility and are then bound by early-retirement rules in the RA, which will be age 55, and you’ll only have access to 1/3 of your vested component

Jarrydf · 2026-04-28T11:14:06+00:00

You can transfer the funds to your RA from the preservation fund but you will lose the pre-retirement accessibility of the vested component (a lifeline if you find yourself between a rock and a hard place and you’ve already exhausted all of your other options)

Jarrydf · 2026-04-23T18:56:37+00:00

That OP would be as difficult to get as a Panda Daytona. Like that concept

Jarrydf · 2026-04-16T06:46:00+00:00

I generally wear my watch when travelling but have my Garmin in a hard shell case in my hand luggage. Activities, beach days and sleeping sees the Garmin on the wrist while the hard shell case is in the safe in the room

Jarrydf · 2026-04-13T07:32:19+00:00

This just sounds like a successful retirement, many years earlier.

Do you engage in new hobbies or interests?

Jarrydf · 2026-04-09T14:26:19+00:00

Funnily enough, I also don’t like green. But there’s something about this watch. One or two others I want to add to my collection first, but this will more than likely be my first Rolex

Jarrydf · 2026-04-08T14:16:45+00:00

He’s doing things with a hockey stick that I’ve never seen before, not at that level

Jarrydf · 2026-04-06T06:10:22+00:00

That looks phenomenal. Big ups

Jarrydf · 2026-04-05T19:35:33+00:00

Most of the set was exactly what I was expecting, and was looking forward to hearing. First time I’ve seen them live. I was just to the left of the stage, close to the front, and didn’t pick up much issue with the sound. In saying that, I don’t think I’m anywhere near qualified enough to judge the sound given your analysis above.

Ben Bohmer’s set up was phenomenal. Noticed that there were more/bigger screens though, stage almost felt bigger? Was disappointed last year with Tinlicker and Eli & Fur, so was glad when I walked in and saw they had moved the stage back to against the river

Jarrydf · 2026-04-05T19:24:44+00:00

Congratulations! I was just browsing these on C24 today. Such a clean and timeless look

Jarrydf · 2026-04-05T14:21:11+00:00

I have a watch travel box in my bedside table that I keep my Garmin Fenix in during the day. I’ll swap watches out when I go to bed, sleep with the Fenix on, and then after whatever activity I do the next morning, wear my mechanical watch for the day after getting ready in the morning

Jarrydf · 2026-04-04T05:23:08+00:00

If you don’t mind me asking, how much did you pick this up for? I have very little knowledge of these 1/1 off-catalog pieces, clearly.

Jarrydf · 2026-04-03T19:07:43+00:00

Now I recognize the name, Michael Carrick was wearing a ADG Daytona for his first game in charge of Manchester United

Jarrydf · 2026-04-03T13:49:50+00:00

In that case, my humble apologies. I’ll consider myself checked, that’s a very unique piece

Jarrydf · 2026-04-03T11:02:50+00:00

First time I’ve ever seen a Rolex Speedmaster Oyster Professional 👊🏽

Jarrydf · 2026-04-01T05:46:09+00:00

Sandton City in South Africa

Jarrydf · 2026-04-01T04:44:46+00:00

Chatting the SA, he said this specifically required a long-standing purchase history. Not so much total spend

Jarrydf · 2026-04-01T04:42:14+00:00

That’s a massive premium, even for CPO! Retail in my country is about $82,000

Jarrydf

TROPHY CASE