01 Jun Emigration and subsequent access to your retirement funds
A change to the financial rules around emigration will make accessing your retirement funds more challenging from 2021 onwards....
Retirement
21 Oct Accessing your retirement funds when you emigrate
Posted at 10:35h in Retirement
If you are planning to move abroad, accessing your retirement funds may prove to be more challenging from next year....
20 Oct Approaching retirement in the time of Covid-19
Posted at 09:08h in Retirement
Heading into retirement during the Covid-19 pandemic may feel like the worst possible timing. But the key is not to panic....
05 Oct Your living annuity in the time of Covid-19
If any part of your retirement income is in the form of a living annuity, what are the implications for you during this time of...
24 Jul Pension and provident fund – which is right for you?
Even though pension and provident funds make up the bulk of most people’s retirement provisions, few people know the difference between them. ...
12 May Retirement planning amid the Covid-19 pandemic
Posted at 19:53h in Retirement
Salvaging your retirement planning amid the COVID-19 pandemic will take a cool head and a sensible strategy, just don't panic! ...
19 Mar The right time to retire
Posted at 09:41h in Retirement
With the changing nature of work and 21st century life expectancy, post-retirement careers are not only possible, they are hugely beneficial. ...
28 Aug How to stop your living annuity coming to an end before you do
Morné Bezuidenhout discusses how retirees make the mistake of adjusting income drawdowns to inflation instead of to investment returns. ...
12 Feb Strategising for drawing an income in your retirement years
Research shows that a diversified portfolio targeting a specific rate of return gives the best results. Morné Bezuidenhout explains why. ...
03 Aug How to avoid retirement funding regrets
In South Africa, six out of every 10 retirement fund members retire on less than 30% of their preretirement income. ...
03 Jun Retirement planning and inflation in South Africa
Inflation is most investors' number one enemy as it can erode wealth over time. Avoid the downwards spiral effect of ongoing inflation. ...
19 Mar Self-employed retirement plans: Tips to secure your future
Many self-employed entrepreneurs are so consumed with running their businesses that they delay thinking about retirement options. ...
17 Nov Ex-pat financial planning – QROPS
What you need to know about your UK pension and QROPS as a British expatriate living in South Africa. ...
17 Nov Retirement Annuity Fund Transfer – Should You Do It?
Posted at 01:52h in Retirement
Until recently, members of an RA fund backed by one of the life assurers were in many instances not allowed to transfer to another RA...
17 Nov Top Up Your Retirement Annuity with a Tax Break
Posted at 01:51h in Retirement
Forget about risky and expensive tax-dodging schemes. An RA can be a very tax-effective vehicle for investing. ...
17 Nov Best Retirement Fund Solution?
Posted at 01:49h in Retirement
A life cycle fund will provide an outcome without reference to your circumstances, requirements, risk appetite, market conditions or relative opportunities. ...
16 Nov Will your Company’s Group Retirement Plan give you Enough?
Posted at 12:53h in Retirement
It is your responsibility to provide your own retirement. Don’t be an ostrich and assume your company pension will be enough. ...
16 Nov Changing Retirement Legislation
Posted at 09:28h in Retirement
In a country where government funding for retirees is not high on the priority list, personal retirement fund savings need all the help they can...
16 Nov Retirement Fund Interventions Spell Good News
Posted at 09:25h in Retirement
No longer will employers need to motivate or educate employees about the importance of saving for retirement and contributing to a retirement fund. ...
16 Nov New Retirement Funds Rules put Plenty at Stake
Posted at 09:23h in Retirement
There is important news for all South Africans who are about to retire as well as those saving for their retirement. ...
16 Nov Inflation Retirement – No One is Immune
Posted at 09:18h in Retirement
Even though inflation fallen significantly over the past few years, it is still most investor’s enemy number one. It can still erode wealth over time....
16 Nov Managing your Retirement Cash
Posted at 09:15h in Retirement
The purpose of a living annuity is to provide an income for life. It’s up to you to determine the amount you would like to...
16 Nov Maximise After Tax Cash Flow when Interest Rates are High
Posted at 09:13h in Retirement
After-tax cashflow changes in interest rates can adversely affect your after tax cash flow in differing ways depending on your circumstances. ...
16 Nov How Rate Hikes Affect Taxation of Your Nest Egg
Posted at 09:12h in Retirement
Increased interest rates favour investors who have money market and cash investments as they receive a better interest rate or return on their capital. ...
16 Nov Tax and Your Retirement
Posted at 09:10h in Retirement
Pensioners older than 65 who have an appropriately structured financial plan may now earn about R200,000 a couple and pay no tax. ...
16 Nov Effects of Inflation on Retirement Capital
Posted at 09:08h in Retirement
Although the intention to leave money to our children is a noble one, the effects of inflation are the biggest enemy to anyone’s financial plan....
16 Nov Low Interest Rates Effect on Retirement Capital
Posted at 09:04h in Retirement
For most of the working population in South Africa, the falling interest rate environment offers some relief amidst the financial turmoil. ...
16 Nov When is the right time to start saving for retirement?
If you plan to start saving later, later may never arrive. Reasons to delay saving are always readily available. ...
16 Nov Leave your business in safe hands
Business owners and entrepreneurs thrive in times of change, yet many fail to plan for the time when they need to hand over the reins...
16 Nov How can a Retirement Fund Withdrawal decimate your hard-earned capital?
Posted at 06:20h in Retirement
Retirement fund withdrawal can cause unintended negative consequences for your future such as the destruction of your precious retirement capital. ...
16 Nov Pension and Retirement Planning
Posted at 05:38h in Retirement
One of the most important items on your “to do” list when changing jobs is your exit from your company retirement fund. ...
24 Jul Annual review of your company retirement fund
In the light of changes in the legislative framework surrounding retirement funds and lump-sum benefits, it is important to review the structure and benefits of...