Illustration: Colin Daniel

If you want to take maximum advantage of the tax breaks for contributions to your retirement savings, now is the time to check whether you need to make top-up contributions to, for example, a retirement annuity. If you do need to contribute more, you should do so well before the end of February. This week, Personal Finance explains how you can make the most of the tax benefits and how these benefits will change from March.

Also in this week's edition: * What to look out for when comparing quotes on car insurance. * Same-gender couples need to take extra precautions when saving for retirement.

Personal Finance is published every Saturday in the Pretoria News Weekend, the Saturday Star, The Independent on Saturday and the Weekend Argus.