In South Africa, Homeowners’ Associations (HOAs)  are increasingly recognising the importance of proactive financial and maintenance planning. While 10-year maintenance reserve plans  are not legally required for HOAs, unlike for sectional title schemes under the Sectional Titles Schemes Management Act (STSMA)   they are fast becoming a hallmark of well-managed, future-focused communities. Forward-thinking Directors and managing agents are adopting these plans not only to imp