Rand Rescue

If your savings and investments sit almost entirely in rand, you are carrying a risk you may never have chosen on purpose. A currency that loses ground against the dollar over the years quietly shrinks what your money can buy in the wider world, even when the interest looks healthy.

This book is about managing that concentration risk, not about writing off the rand or the JSE. You start by seeing why your money is losing value and how the rand actually works. Then you explore offshore investing and the legal options available to South Africans, rand-hedge investments on the JSE, and dollar-denominated accounts and instruments.

A full chapter explains the annual foreign investment allowance, and another weighs crypto, gold and other alternative hedges with a sceptical eye. The final chapter helps you pull everything together into your own rand protection plan. It is for readers who want to understand their options clearly before deciding what, if anything, to change.