Family Wealth Podcast with Hardi Swart

Hardi Swart CFP®
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  • Investing

Welcome to the Family Wealth Podcast, hosted by Hardi Swart CFP®. Money is about more than numbers. It’s about the life you want to live and the people you want to protect. Each episode explores practical financial planning, investing, retirement, tax and the decisions that shape your family’s financial future. Whether you’re building wealth, approaching retirement or already retired, our goal is simple: to help you make better financial decisions with greater clarity and confidence. Because your family is your greatest wealth. Presented by Family Wealth Custodians. Disclaimer: The information shared in this podcast is for educational and informational purposes only and does not constitute personalised financial advice. Always consider your individual circumstances before making financial decisions. A note to our listeners: Many of our podcast episodes are adapted from our YouTube videos to give you a convenient way to listen wherever you are. If we refer to a chart, graphic or other visual during an episode, you’re welcome to watch the original video on our Family Wealth YouTube channel for the full visual experience.

Episodes

  1. 2d ago

    How Many South Africans REALLY Have R16.5 million ($1 Million) or More to retire?

    Hey! I'd love to hear your thoughts, send me a voice note. How many millionaires are there in South Africa in 2026? And is R16.5 million ($1 million) enough to retire comfortably? According to the 2026 Africa Wealth Report, approximately 48,200 US-dollar millionaires live in South Africa. But there's a big difference between being wealthy on paper and being financially independent. In this episode, Hardi Swart, Certified Financial Planner and founder of Family Wealth Custodians, explores what it really means to be a dollar millionaire in South Africa, the difference between net worth and liquid wealth, and why having millions doesn't necessarily guarantee a comfortable retirement. Because it's one thing to have the money. How do you preserve it?

    How Many South Africans REALLY Have R16.5 million ($1 Million) or More to retire?

  2. 4d ago

    Pros and Cons: Retirement Annuity

    Hey! I'd love to hear your thoughts, send me a voice note. Is a Retirement Annuity worth it in South Africa? Retirement Annuities (RAs) are one of the most popular ways South Africans save for retirement, largely because of the potential tax benefits. But those benefits come with important restrictions. In this episode, Hardi Swart and Hugo Kloppers unpack the pros and cons of Retirement Annuities in South Africa. They discuss the RA tax deduction, tax-efficient investment growth, Regulation 28, offshore investment limits, the two-pot system, access to your money, fees, tax at retirement, estate-planning considerations and disallowed retirement-fund contributions. They also explore an important question: where should an RA fit alongside a TFSA, discretionary investments and offshore investments in your overall retirement plan? Because the question isn't simply whether a Retirement Annuity is good or bad. It's understanding what job it should do inside your financial plan. This podcast is for educational purposes only and does not constitute personalised financial advice.

    Pros and Cons: Retirement Annuity

  3. Oct 2

    Retiring With more than R30 Million: The Tax Plan No One Tells You About

    Hey! I'd love to hear your thoughts, send me a voice note. Retiring with R30 million sounds like financial freedom. But how you structure that wealth can make an enormous difference to the tax you pay. In this episode, Hardi Swart uses the fictional story of Sam and Mary to explore tax-efficient retirement planning in South Africa. We unpack cash and interest income, local and offshore tax wrappers, sinking funds, retirement annuities, living annuities, disallowed retirement contributions and Section 10C. Because building wealth is only part of the journey. How you structure, use and eventually transfer it matters too. Educational content only. Not personal financial or tax advice.

    Retiring With more than R30 Million: The Tax Plan No One Tells You About

  4. Sep 30

    Pros and Cons: Living Annuity

    Hey! I'd love to hear your thoughts, send me a voice note. Living Annuity in South Africa: What are the pros, cons and biggest risks? A living annuity gives you flexibility, investment control and the potential to leave your remaining retirement capital to your family. But it also comes with an important responsibility: making sure your retirement savings last. So, is a living annuity the right choice for your retirement? In this episode of the Family Wealth Pros & Cons series, Certified Financial Planner® Hardi Swart and Senior Financial Planner Cam Sondlo explain the advantages, disadvantages and risks of living annuities in South Africa. You'll learn: - How a living annuity works in South Africa. - The advantages of flexibility and investment control. - The risks of withdrawing too much retirement income. - Why poor market performance early in retirement matters. - The tax benefits and costs of living annuities. - What happens to your living annuity when you die. - The differences between a living annuity and a life annuity. - Why combining both products may form part of a retirement strategy. With living annuities, you can generally choose an annual income of between 2.5% and 17.5% of your investment value. But just because you can withdraw a certain amount doesn't mean that it's sustainable. Whether you're approaching retirement, already retired or helping a family member make retirement decisions, this conversation will help you understand the important trade-offs.

    Pros and Cons: Living Annuity

  5. Sep 17

    The Tax-Free Account SARS Can’t Touch (Most South Africans Use It Wrong)

    Hey! I'd love to hear your thoughts, send me a voice note. Most South Africans don’t mind paying tax. But nobody wants to pay more tax than they need to. In this episode, Certified Financial Planner® Hardi Swart and Senior Financial Planner Cam Sondlo unpack one of South Africa’s most powerful long-term investment tools: the Tax-Free Savings Account (TFSA). We cover how a TFSA works, contribution limits, common mistakes, fees, investment choices, and how it can fit into a broader retirement plan. Used correctly, a TFSA can potentially grow into millions of rands - with no South African tax on interest, local dividends or capital gains. 🎥 This podcast is adapted from our Family Wealth YouTube content. Some episodes may refer to charts, examples or other visuals. If something isn’t clear through audio alone, visit the Family Wealth YouTube channel to watch the full video. 🎧 Follow the Family Wealth podcast for practical, easy-to-understand conversations about retirement, investing and building wealth in South Africa. Disclaimer: This podcast is for educational and informational purposes only and does not constitute personalised financial advice. Please consult a suitably qualified financial adviser regarding your individual circumstances.

    The Tax-Free Account SARS Can’t Touch (Most South Africans Use It Wrong)
  • 5 Episodes

About

Welcome to the Family Wealth Podcast, hosted by Hardi Swart CFP®. Money is about more than numbers. It’s about the life you want to live and the people you want to protect. Each episode explores practical financial planning, investing, retirement, tax and the decisions that shape your family’s financial future. Whether you’re building wealth, approaching retirement or already retired, our goal is simple: to help you make better financial decisions with greater clarity and confidence. Because your family is your greatest wealth. Presented by Family Wealth Custodians. Disclaimer: The information shared in this podcast is for educational and informational purposes only and does not constitute personalised financial advice. Always consider your individual circumstances before making financial decisions. A note to our listeners: Many of our podcast episodes are adapted from our YouTube videos to give you a convenient way to listen wherever you are. If we refer to a chart, graphic or other visual during an episode, you’re welcome to watch the original video on our Family Wealth YouTube channel for the full visual experience.

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