Retirement Planning
Retirement annuities remain one of the most effective tools for building long-term retirement wealth. We unpack the tax benefits, contribution limits, two-pot retirement system, access rules and estate planning considerations that South African investors need to understand.
Retirement is no longer a fixed date or single life event. As careers become more flexible and people live longer, financial planning has become essential to creating real choice, protecting independence, and ensuring that retirement happens by design rather than
Regulation 28 is often viewed as a restriction, but it plays an important role in protecting retirement savings from excessive risk and poor concentration. This article unpacks how the regulation works, why diversification matters, and how investors can balance retirement
Helping adult children financially is often done with love and good intentions, but ongoing, unstructured support can place your own retirement at risk. This article explores how parents can help their adult children without compromising their future financial security, estate
Sequencing risk is one of the most underestimated threats to retirement income, especially in the early years when retirees begin drawing from their portfolios. This article explains how poor market returns, high drawdowns and reactive decisions can quietly erode retirement
Early retirement is not simply about reaching a number and stepping away from work. It requires flexibility, careful tax planning, accessible liquidity, healthcare provision, and a plan that can adapt as markets, family dynamics and personal priorities change.
Retirement planning is no longer just about reaching a specific age or accumulating a single ‘number’. In a world shaped by longevity, flexible careers and changing lifestyles, financial freedom has become the more meaningful goal — giving you the ability
We have sat with many retirees over the years who describe the same experience: a subtle anxiety that surfaces the first time they draw income from their capital. Even when the numbers work and the retirement plan is robust, there
Regulation 28 limits concentration risk by imposing prudential asset allocation rules on retirement funds, including RAs. A living annuity generally offers wider investment choice, but the gap is often overstated: a well-constructed Regulation 28 portfolio can still be globally diversified
The primary purpose of section 37C is social protection: to ensure that those who were financially dependent on you are not left without support when you die, regardless of what your testamentary documents say.
