Explore the evolving perspective on property investment in South Africa as financial expert Bryan Nicol discusses the importance of understanding the distinction between a primary residence and an investment property in today's changing economic landscape.
The biggest mistake people make is assuming that property is automatically a good investment simply because property prices rise over time. What matters is the return you achieve after accounting for costs, interest, maintenance, rates and taxes, insurance, and the opportunity cost of tying up your money, according to Bryan Nicol, a certified financial planner professional (CFP®) and part of Doshguide.
For generations, South Africans have been told that buying a home is one of the best ways to build wealth. Owning property has long been seen as a sign of financial success and an important step towards a comfortable retirement.
But in 2026, the financial landscape has changed. Rising living costs, changing work patterns, and easier access to investment products have led many South Africans to question whether buying a home should still be the foundation of their financial plans.
According to Nicol, the answer is not a simple yes or no.
