Retirement Planning
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.
Across the world, the boundaries between work and retirement are dissolving. Longer lifespans, better health, flexible work arrangements and the gig economy have made it possible—and often desirable—to keep earning long after 65. In South Africa, we’re seeing more professionals
A period of illness, disability, or job loss can significantly disrupt savings, making risk planning essential. In particular, single pre-retirees need adequate income protection and/or lump-sum disability cover, keeping in mind that they do not have a spouse’s income to
Your post-retirement income may come from several streams: living annuities, pension or provident fund drawdowns, rental income, interest, dividends, and perhaps part-time work. List each source, noting whether it is fixed or variable, and the expected start dates – keeping
While financial projections can model inflation, returns, and drawdown rates, they struggle to anticipate the non-linear costs of ageing. Bear in mind that while life expectancy tables may predict averages, life itself doesn’t follow averages.
Inflation may feel like a distant concern when you’re still earning, but in retirement, it becomes a silent assassin of purchasing power – keeping in mind that even modest inflation erodes the value of your income and savings over time.
