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@mjt1k987 I would advise you to do some research into the SA tax system. Every person has a limited tax exemption on interest earned. It's around R 20k. So about R 20k earned in interest is tax free for every person. You need a lot of money in an interest bearing account to max that out, so...

@danielgarcia An ETF is a great way to invest. There is no perfect way to invest so that's up to you, but it typically is about time in the market. By that logic the sooner you are in the market the better. Buying shares thereafter means you either buy dips or highs, but long term you expect...