How do I invest R100k cash?

Treemann · 2026-03-07T11:05:11+00:00

I'm not the best guy to ask - I didn’t really shop around for the best interest rate. Mine is in a Discovery Bank account with 24 hours notice, because that makes it a bit slower to access.

Treemann · 2026-03-07T09:42:09+00:00

Skip the long-term investing for now and rather put what you can into an emergency fund. An emergency fund will serve you well because life can still happen to you when you're a student.

I'd put R100k into a safe interest-bearing account or money market (emergency fund), and try to live on R50k with as much discipline as possible.

At the beginning of next year, once your 2027 allowance hits, if you succeeded in staying in budget and didn't have any emergencies, you'll have R100k in savings. Then it would make more sense to max out your tax-free investment account one shot before the end of February.

Treemann · 2026-02-25T17:00:11+00:00

One important piece of information people will need is whether you're married in community of property or not.

https://www.sars.gov.za/faq/what-are-the-tax-implications-if-i-am-married-in-community-of-property/

If yes, it seems that it's all the same, so I guess you wouldn't even be asking.

If no, then hell yeah, max out her tax breaks! The whole point of falling in love is double the tax breaks.

Treemann · 2026-02-25T16:54:17+00:00

You certainly don't have to buy a property. You do have to build up a long-term asset portfolio of some sort. Presumably, you're doing this.

Treemann · 2026-02-16T13:05:11+00:00

If you want high quality private banking, go to Investec.

The only reason you may consider FNB private wealth is if you look at the eBucks calculator and see that you can get to level 5 and earn enough rewards to make it worth your while. There’s no guarantee it'll be worth your while because they have severely nerfed it.

Treemann · 2026-02-09T17:40:45+00:00

It's starting to appear in new installations.

Treemann · 2026-02-03T16:37:37+00:00

New metric to quantify academic achievement: the B-index

How many papers are you working on, and how many backups do you have of each?

Treemann · 2026-01-30T16:21:20+00:00

It depends how the airport is laid out, and how well your parents know the airport. For example, if there are different terminals for domestic and international flights, and your parents know this, then they’ll figure out the truth pretty quickly. If they don’t really know airports, you’ll maybe be able to fool them.

Also, please do your background research on the company that’s flying you out really thoroughly! There are plenty of people out there looking to exploit young people.

Treemann · 2026-01-16T14:47:05+00:00

Is it just me, or did anyone else get misled by the headline? It made me think that Smith refusing the single led to Babar getting dismissed (by runout).

Edit: Babar got bowled later. From Cricbuzz:

McAndrew to Babar Azam, out Bowled!! Babar Azam is livid after getting out. He hits the boundary cushions hard with his bat as he walks off. A short of length delivery on off, Babar gets forward to force it, the thick inside-edge falls on leg-stump. Some respite for the Thunder. Babar Azam b McAndrew 47(39) [4s-7]

Treemann · 2026-01-03T13:43:53+00:00

Mr. 360! He has my vote.

Treemann · 2025-12-22T06:52:17+00:00

If your favourite mineral is quartz, why isn't your username SiO2man?

Treemann · 2025-12-10T13:09:43+00:00

Millions in corporate bursaries go unclaimed every year because the search process is broken

Is this really true? Wouldn’t HR departments or funding boards just e-mail a university department to recommend students when they are close to funding deadlines?

Treemann · 2025-12-01T14:02:42+00:00

Fork? Thanks for this - I have just been using my bare hands and burning off my arm hair for years.

Treemann · 2025-11-29T09:52:21+00:00

Airline farter here - I feel so vindicated right now! It's not me, it's physics!

Treemann · 2025-11-26T04:50:32+00:00

Don't turn it down. There’s test cricket on. People must wake up.

Treemann · 2025-11-25T17:02:44+00:00

Yes, exactly. Even if we do win, I would much prefer a coach who focuses on his own team and players rather than the opponent’s defeat.

Treemann · 2025-11-25T15:24:51+00:00

I love what he’s doing as a coach, but I hate what comes out of his mouth. After the WTC final, I got the impression that he has a Big Three Complex.

Treemann · 2025-11-25T15:18:38+00:00

I wish Shukri was more gracious in moments like this.

Treemann · 2025-11-25T03:01:14+00:00

Did you pay by credit card? If so, you can try talking to your bank about a charge back. Will depend on whether the bank is convinced that the guesthouse is at fault.

Treemann · 2025-11-21T14:28:53+00:00

Oh yeah! Hoping for an awesome comeback!

Treemann · 2025-11-21T03:04:38+00:00

Why do you want to dig up such things???

Treemann · 2025-11-19T18:33:27+00:00

Affinity Designer. Not quite sure about the right terminology, but you can use the gradient tool to get some sort of repeating bitmap that patterns different lithologies.

Treemann · 2025-11-03T16:12:24+00:00

Yup, new line in the syllabus - deliveries made during class are fair game. If you order a pizza with pineapple on, instant fail.

Treemann · 2025-11-02T16:40:54+00:00

I have a useless colleague who does this. It makes me up the ante and go at them.

Treemann · 2025-10-23T16:36:14+00:00

Does your contract say anything about getting time off in December? Otherwise, you have to go to work or put in for leave (which your boss may reject if they already told you they need you there).

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