At retirement, the option to take part of your retirement fund as a cash lump sum can be appealing — but it is not always the right decision. Your lump sum election should be weighed...
Retirement planning is about far more than maximising a tax deduction. A sound retirement blueprint must balance tax efficiency with liquidity, sustainable income, healthcare funding, investment growth, estate planning and the flexibility needed to navigate a potentially 30-year retirement.
Retirement planning is not only about whether your money will last. It is also about preparing for the human realities of growing older, including the loss of independence, cognitive decline, digital vulnerability, future care needs, family dynamics, purpose and connection.
A testamentary trust can help protect an inheritance intended for minor children, vulnerable beneficiaries or dependants who may not be able to manage assets themselves. In this article, we explain how testamentary trusts work, why the wording of your will
A practical guide to how South Africa's accrual system operates on divorce, including the role of the ante-nuptial contract, commencement values, excluded assets, property, debt, trusts and the updated treatment of pension interest.
When markets fall, headlines intensify and uncertainty rises, the greatest threat to long-term wealth is often not the market itself, but how investors respond to it. In our latest article, we explore why behavioural discipline, structure and perspective are essential
Many South Africans are financially responsible for a wider circle of people than their formal financial plan reflects. From adult children and ageing parents to siblings, grandchildren and extended family members, these invisible dependants can place pressure on cash flow,
Retirement planning should prepare for more than income and investment returns. A resilient plan also anticipates changes to health, housing, relationships, independence and purpose, helping retirees navigate uncertainty with sufficient liquidity, flexibility and confidence.
Many South Africans find themselves caught between supporting adult children and ageing parents while trying to protect their own retirement security. This article explores the financial realities facing the sandwich generation and explains why honest conversations, clear boundaries and multi-generational
The final five years before retirement are a critical planning window. From sequencing risk and liquidity planning to tax efficiency, retirement annuity decisions and estate alignment, this article explores the common mistakes pre-retirees should avoid before they stop working.
