A futuristic garden city

Living vs guaranteed annuities

Carina JoosteLatest, Retire

When you retire, at least two-thirds of your RA or pension needs to be converted into an annuity. If you’re part of your employer’s pension or provident fund, you can choose an in-fund annuity. Those who don’t choose to stay (or don’t have the option), need to explore the annuity options available.

a field of question marks

Know your numbers

Carina JoosteLatest, Retire

How much you need to retire, depends on your monthly expenses and the age at which you want to retire. Knowing this number, and knowing how close you are to acheiving this, is your first step to financial freedom.

Retire: Portfolio check-ins 

Carina JoosteLatest, Retire

Once you’ve set up a regular saving schedule for your retirement, the time magic starts happening. But it’s still a good idea to occasionally check in with your retirement portfolio – a tweak here and there can make a big difference over time. Here are some questions to ask the next time you view your statement.

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Comparing ETFs: Asset classes

Kristia van HeerdenETF Blog, Latest

Investing is about more than just shares. There are a number fo different asset classes we can buy and this article digs into the details.

Retire: Retirement myth-busters

Carina JoosteLatest, Retire

The phrase ‘Saving Towards Retirement’ is loaded. There’s loads of information to wade through, and an undercurrent of fear that you don’t have enough. In my conversations I’ve started to pick up on some personal money myths that might be hijacking our reason.

Retire: A little Rand going a long way

Carina JoosteLatest, Retire

While researching one of the Retire blog posts, I stumbled across the 2020 Alexander Forbes Member Watch study. The study takes a closer look at the behaviour of their members in employ of 2,500 South African companies. Amongst several grim realities, the study found that only 8.8% of members preserve their savings when leaving their ...

Retire: Inflation, interest rates and fees

Carina JoosteLatest, Retire

Inflation, interest rates, and fees will all affect your quality of life in retirement, whether your financial plan consists of discretionary savings, a tax-free savings account, marrying into a wealthy family, investing in retirement products, or a healthy combination of all. The effect of these forces on your retirement savings become even more pronounced in ...