Disclaimer

What this site is

More Than Just Money is the personal website of Harika van der Merwe.

This website provides general financial information. No financial service is offered here, no financial advice is given, and no financial product is sold, recommended or promoted.

This is an independent personal website. It is not operated by, and does not represent, any financial institution or product provider.

The tools are not advice

This check is a general orientation, not a diagnosis. It does not consider your full circumstances and is not financial advice. A proper advice process looks at far more than a short questionnaire can.

This tool gives an indicative estimate based only on the figures and assumptions you entered. It is general information for educational purposes, not financial advice and not a recommendation to buy any financial product.

No product is recommended or implied here. Whether anything is suitable for you depends on your circumstances and needs a full advice process.

Licensing

No guarantees

Nothing here guarantees any outcome or return. Projections are arithmetic applied to figures you entered, and real results differ.