Knowledge Is Your First Investment.
Practical guides and insights to help you make informed financial decisions. Because understanding your options is the first step toward building wealth.
Guides That Build Understanding
In-depth, practical guides written for South Africans who want to make smarter decisions with their money. No jargon. No sales pitch. Just clarity.
Retirement Annuities: What Every South African Should Know
Tax deduction up to 27.5% of taxable income, tax-free growth inside the fund, and creditor protection — an RA is one of the smartest long-term moves you can make.
Tax-Free Savings Accounts: The Most Underused Tool in SA
R46,000 per year, R500,000 lifetime limit, and every cent of growth is completely tax-free — no income tax, no dividends tax, no capital gains tax.
Preservation Funds: Don't Cash Out When You Change Jobs
Protect your retirement savings when changing employers — cashing out could cost you up to 45% in tax and decades of compound growth.
Choosing the Right Medical Aid: A Practical Guide
The scheme and plan you choose can cost you tens of thousands of rands — or save you. Here is how to make the right decision.
Estate Planning: Why You Need a Will — Today
An estimated 70% of South Africans die without a valid will. The consequences for their families are devastating and entirely avoidable.
Understanding Investment Risk: A Beginner's Guide
Risk is not the enemy — not understanding it is. Learn how different types of risk affect your wealth and how to manage them.
The Two-Pot Retirement System: What Changed
South Africa's retirement fund regulations changed on 1 September 2024. Here is everything you need to know about how this affects your savings.
Vested Pot
Savings accumulated before September 2024. Accessible only at retirement, death, or approved early withdrawal.
Savings Pot
One-third of new contributions. Accessible once per tax year before retirement. Taxed at your marginal rate.
Retirement Pot
Two-thirds of new contributions. Protected until retirement, death, or permanent disability.
Need help understanding how this affects you? Our financial planners can provide personalised guidance based on your specific situation.
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Find answers to common questions about our services, products, and financial planning topics.
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Contact UsProtect Yourself from Financial Fraud
Learn how to recognise and avoid financial scams. Your security is our priority.
Verify Our Contact Details
LifeSense Financial Services will only contact you using our official email addresses ending in @lifesensefs.co.za. Be suspicious of emails from other domains, even if they appear legitimate.
Protect Your Personal Information
Never share your ID number, banking details, passwords, or PIN codes via email, SMS, or phone. Legitimate financial institutions will never ask for sensitive information this way.
Verify Before Paying
Before making any payments, verify bank account details directly with us through official channels. Fraudsters may provide fake banking details claiming to be from LifeSense.
Be Wary of Unsolicited Contact
If you receive unexpected calls or emails about investments you do not recognise, do not provide any information. Hang up and contact LifeSense directly using our verified number.
Check Our Website for Current Information
Always visit our official website at https://lifesensefs.co.za to verify any information you receive. Fraudulent communications often use urgency to pressure you into acting quickly.
Report Suspicious Activity
If you suspect you have been targeted by fraud or have fallen victim to a scam, contact us immediately at +27 (0) 86 100 0079 and report it to the South African Police Service and your bank.
Suspected Fraud? Contact Us Immediately
If you believe you have been targeted by fraud or have concerns about suspicious activity, please contact us right away.
The best time to plan was yesterday. The next best time is today.
Whether you have questions about your retirement, investments, medical aid, or estate — our team is here to help you take the next step.
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