Investment Disclaimer

Please read this important disclaimer carefully before using our website.

Educational Content Only

All information, articles, calculators, tools, and other content on TaxFreeInvesting.co.za are provided for educational and informational purposes only. This content is designed to help South Africans understand:

• How Tax-Free Savings Accounts (TFSAs) work
• The benefits and limitations of TFSAs
• Basic information about Exchange Traded Funds (ETFs)
• General investment concepts and strategies

Not Financial Advice

Nothing on this website should be construed as financial, investment, tax, or legal advice.

The information provided is general in nature and may not be appropriate for your specific financial situation, objectives, or risk tolerance. Investment decisions should be based on your individual circumstances and made in consultation with qualified professionals.

No Recommendations

We do not recommend any specific:

• Investment products or securities
• ETFs or fund managers
• Investment strategies or allocations
• Financial service providers

Any mention of specific ETFs, funds, or providers is for educational illustration only and should not be interpreted as a recommendation to buy, sell, or hold any security.

No FSCA Registration

TaxFreeInvesting.co.za is not registered as a Financial Services Provider (FSP) with the Financial Sector Conduct Authority (FSCA) of South Africa. We do not:

• Provide financial advice
• Manage investments on behalf of clients
• Sell or intermediate financial products
• Act as an intermediary between investors and financial institutions

Consult Qualified Professionals

Before making any financial decisions, we strongly recommend that you consult with:

• A registered financial advisor (check FSCA registration)
• A qualified tax practitioner (for tax-related matters)
• A legal professional (for estate planning or legal matters)

These professionals can provide personalized advice based on your specific circumstances, goals, and risk tolerance.

Accuracy and Currency of Information

While we make every effort to ensure the accuracy and currency of information on this website:

• TFSA limits and rules may change annually
• Tax brackets and rates are updated by National Treasury
• ETF information changes frequently (TERs, holdings, etc.)
• Laws and regulations may be amended

Always verify current information with official sources such as SARS (www.sars.gov.za), National Treasury, or official fund factsheets.

Calculator Limitations

Our financial calculators are simplified tools designed for educational purposes. They:

• Use hypothetical assumptions that may not reflect reality
• Assume constant returns (actual returns vary significantly)
• May not account for all fees, taxes, or costs
• Cannot predict future market performance
• Should not be used as the sole basis for financial decisions

Investment Risks

All investments carry risk, including:

• Market risk: Investment values can go down as well as up
• Currency risk: For international investments
• Inflation risk: Returns may not keep pace with inflation
• Liquidity risk: You may not be able to sell when you want
• Regulatory risk: Rules and tax treatment may change

Past performance is not a guarantee of future results. You may lose some or all of your invested capital.

No Liability

TaxFreeInvesting.co.za, its owners, contributors, and affiliates accept no liability for:

• Investment losses or gains
• Tax penalties or consequences
• Decisions made based on information on this website
• Errors or omissions in content
• Technical issues or website unavailability

Third-Party Information

This website may contain information sourced from third parties, including ETF providers, SARS, and other sources. We do not control this information and cannot guarantee its accuracy. Links to external websites do not constitute endorsement.

Your Responsibility

By using this website, you acknowledge that:

• You are responsible for your own investment decisions
• You will conduct your own research and due diligence
• You will seek professional advice when appropriate
• You understand and accept the risks of investing

Questions?

If you have questions about this disclaimer or our website, please visit https://taxfreeinvesting.co.za.