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Published by Zebra Press

an imprint of Penguin Random House South Africa (Pty) Ltd

Reg. No. 1953/000441/07

The Estuaries No. 4, Oxbow Crescent, Century Avenue, Century City, 7441

PO Box 1144, Cape Town, 8000, South Africa

www.penguinrandomhouse.co.za


First published 2020

Publication © Penguin Random House 2020

Text © Bruce Cameron and Wouter Fourie 2020

All rights reserved. No part of this publication may be reproduced, stored in a retrieval system or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of the copyright owners.

PUBLISHER: Marlene Fryer

MANAGING EDITOR: Robert Plummer

EDITOR: Dane Wallace

PROOFREADER: Lisa Compton

COVER DESIGNER: Sean Robertson

TYPESETTER: Monique van den Berg

INDEXER: Sanet le Roux

Set in 11.5 pt on 15.5 pt Minion

ISBN 978 1 77609 584 1 (print)

ISBN 978 1 77609 585 8 (ePub)

Disclaimer

The information in this book (current August 2020) is given in good faith and has been derived from sources believed to be accurate. Among other things, laws affecting all aspects of personal finance, such as the Income Tax Act, are subject to constant change. Although the utmost care has been taken by the authors and the publisher, no warranty of reliability or accuracy can be given. Neither the authors, the publisher nor the distributor can be held responsible for any errors or omissions; or for any liability for any action taken or not taken by any individual or organisation. The material contained in this book is not intended as professional individual financial advice and it is recommended that you consult a professional financial planner before making any investment or other decisions that could affect your financial well-being.

Secure Your Retirement

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