Investing for retirement

Retirement

Our best advice when it comes to saving for retirement is to start saving early, add to your investment whenever you can afford to, and not to dip into your retirement savings when you change jobs. While retirement may seem like a goal too far in the future to affect you if you are under 30, or you may feel like you have missed the boat if you are over 40, sign up for our 11-part retirement savings series, which will answer the question of why you should save for retirement and aims to help you to get started.

Articles in "Retirement"

Investing for retirement

Umbrella funds can help attract millennial talent

By Saleem Sonday on 16 Mar 2018

reading time: 3 mins

Millennials are redefining the working environment, placing a bigger emphasis on tech and innovation, flexibility and rewards that aren’t only about...

Investing for retirement

Top up your umbrella fund now to maximise your annual tax benefits

By Saleem Sonday on 16 Feb 2018

reading time: 2 mins

With the end of the tax year fast approaching, investors who are saving for retirement through their employer’s umbrella fund have until 28 February...

Investing for retirement

How to achieve a sustainable retirement income

By Shaun Duddy on 23 Nov 2017

reading time: 8 mins

Shaun Duddy discusses how to meet and manage risks while drawing a stable income in retirement. He explains why investing at least 50% in growth assets is a...

Investing for retirement

Retiring or withdrawing? Think carefully before sending us the form

By Carrie Furman on 05 Sep 2017

reading time: 5 mins

After a lifetime of work retirement is often a welcome change of pace, but many people rush into a decision to retire or withdraw from their retirement fund....

Investing for retirement

The trick to retiring with enough

By Thandi Ngwane on 20 Jul 2017

reading time: 6 mins

We are often asked by clients and prospective clients what the magic trick is that can turn a portion of your income into a comfortable retirement. It is har...

Investing for retirement

WATCH : How do I know I’m on track with my retirement savings?

By Jeanette Marais on 03 Jul 2017

viewing time: 1 min

It is important to have a goal when you are saving for retirement. Studies show that you need 17 times your final pre-tax salary...

Investing for retirement

WATCH : Introducing the Allan Gray Umbrella Retirement Fund

By Nazia Kahlon on 29 Jun 2017

viewing time: 1 min

Over the last four years, the market share of commercial umbrella funds has increased by 70%, at the expense of standalone employer funds...

Investing for retirement

Introducing the Allan Gray Umbrella Retirement Fund

By Nazia Kahlon and Saleem Sonday on 31 Mar 2017

reading time: 11 mins

Group savings should be an extremely efficient way to prepare for a comfortable retirement. Nazia Suleman and Saleem Sonday discuss how Allan Gray plans to...

Investing for retirement

Let SARS help you pay for retirement

By Carrie Furman on 08 Feb 2017

reading time: 6 mins

The South African Revenue Service (SARS) wants to help you pay for your retirement. The way in which they do this is by offering generous tax deductions when...

Investing for retirement

PART 10: Retiring? The five most important decisions to ensure your income lasts

By Nazia Kahlon on 10 Oct 2016

reading time: 6 mins

Planning is essential to ensure your retirement money lasts as long as you do.

Investing for retirement

PART 9: When can I retire? Some questions to ask before you hang up your boots

By Nazia Kahlon on 10 Oct 2016

reading time: 5 mins

Important questions to ask before you decide to retire.

Investing for retirement

PART 8: What can I do if I don’t have enough money to retire?

By Nazia Kahlon on 10 Oct 2016

reading time: 6 mins

Nine tips to help you increase your retirement savings pot.

Investing for retirement

PART 7: How much is enough when saving for retirement?

By Nazia Kahlon on 10 Oct 2016

reading time: 5 mins

You should aim for a retirement income of 75% of your final salary. Here’s why…

Investing for retirement

PART 6: How do retirement products work?

By Nazia Kahlon on 10 Oct 2016

reading time: 4 mins

It is important to understand how your retirement product works and for retirement annuities this means understanding what the underlying unit trusts invest...

Investing for retirement

PART 5: What's the difference between retirement products?

By Nazia Kahlon on 10 Oct 2016

reading time: 5 mins

Official retirement products have great tax benefits but come with some restrictions. Understand your options before you commit.

Investing for retirement

PART 4: How to save for retirement: Tips to get you started

By Nazia Kahlon on 10 Oct 2016

reading time: 6 mins

Some simple steps to follow to get your retirement savings started.

Investing for retirement

PART 3: When to start saving for retirement

By Nazia Kahlon on 10 Oct 2016

reading time: 3 mins

The accepted wisdom is that you need to start saving for retirement as soon as you are employed, but if you are late it is worthwhile to start as soon as...

Investing for retirement

PART 2: Why saving for retirement makes sense

By Nazia Kahlon on 10 Oct 2016

reading time: 5 mins

Starting your retirement savings is as much a mental battle as it is a financial one. Read up on how your excuses may be holding you back.

Investing for retirement

PART 1: Why save for retirement?

By Nazia Kahlon on 10 Oct 2016

reading time: 5 mins

Step into the shoes of the future you to find out why you should save for retirement.

Investing for retirement

How to save for a comfortable retirement

By Wanita Isaacs on 31 Mar 2016

reading time: 7 mins

How much is enough to save for a comfortable retirement? Wanita Isaacs unpacks the concepts of ‘enough’ and ‘comfortable’ in the context of this distant,...

Investing for retirement

What you need to know about the retirement fund changes

By Richard Carter on 25 Feb 2016

reading time: 4 mins

National Treasury is making changes to retirement legislation to encourage investors to save more for their retirement and to improve the alignment between t...

Investing for retirement

Welcome amendments to retirement reform

By Richard Carter on 03 Feb 2016

reading time: 3 mins

The retirement reform amendments contained in the Taxation Laws Amendment Bill, which will come into effect on 1 March 2016, are a positive step by Treasury ...

Investing for retirement

More for the future you, less for the tax man

By Carla Rossouw on 14 Jan 2016

reading time: 4 mins

The tides are changing in the retirement savings space, with National Treasury encouraging us to save more for retirement by significantly increasing the tax...

Investing for retirement

Empower your staff with a Group RA

By Belinda Carbutt on 15 Dec 2015

reading time: 5 mins

Employers who illustrate to their staff that they care about their futures by providing them with retirement savings solution, along with investor education,...

Investing for retirement

Life in a month

By Chris Tisdall on 01 Jul 2015

reading time: 5 mins

July has been designated ‘Savings Month’ by the Savings Institute of South Africa. It is a good time to reflect on the choice we make between saving and...

Investing for retirement

Delays to retirement reform shouldn't mean delays to your retirement savings

By Richard Carter on 31 Mar 2015

reading time: 9 mins

In Quarterly Commentary 1, 2013 we wrote about retirement reform, discussing how the changes would affect existing and potential retirement fund members. Fas...

Investing for retirement

Convert part of your tax bill into retirement savings

By Carla Rossouw on 18 Feb 2015

reading time: 3 mins

While the long-term benefit of saving for a secure retirement may be obvious, investors may not appreciate the extra tax boost available from saving in an...

Investing for retirement

Regulatory update: Get up to speed before year-end

By Richard Carter on 02 Dec 2014

reading time: 5 mins

There is a lot going on in the regulatory space. Between retirement reform, on the one hand, and the so-called ‘Twin peaks’ model of financial regulation on...

Investing for retirement

How to ensure your retirement income goes the distance

By Michael Summerton on 30 Jun 2014

reading time: 9 mins

It is only a number of years into retirement that the consequences of decisions made early on begin to show. If you are nearing retirement, or you are in ear...

Investing for retirement

Retirement fund withdrawals and tax

By Carla Rossouw on 06 May 2014

reading time: 4 mins

The 2014 National Budget introduced changes to the retirement tax table. From 1 March 2014, the tax-free amount members and beneficiaries can take as a lump...

Investing for retirement

Consider your lifestyle inflation when saving for retirement

By Shaun Duddy on 25 Feb 2014

reading time: 5 mins

While most investors seem to understand the need to contribute consistently to their retirement funds, and to start saving as early as possible, many investo...

Investing for retirement

Group retirement annuities bolstered by retirement reform

By Gerhard Klinger and Debbie Ryan on 31 Mar 2013

reading time: 6 mins

You should not let the current uncertainty around retirement reform inhibit your willingness to save for your retirement; it is very difficult to make up for...

Investing for retirement

Retirement reform: How will the changes affect you?

By Richard Carter on 31 Mar 2013

reading time: 7 mins

With a very small percentage of South Africans able to support themselves financially in retirement, Treasury has been taking a thorough look at retirement...

Investing for retirement

February: A good month to review your retirement plans and bump up your retirement savings

By Wanita Isaacs on 19 Feb 2013

reading time: 5 mins

Don’t kid yourself that retirement planning is for those nearing retirement; the decisions you make early on have the greatest impact on your investment. The...

Investing for retirement

Make sustainability a priority when planning your retirement income

By Richard Carter on 29 Oct 2012

reading time: 6 mins

Over the last 20 years pension funds have increasingly passed the responsibility for generating income after retirement on to retirees and insurers, rather...

Investing for retirement

Planning for income post retirement

By Richard Carter on 30 Sep 2012

reading time: 9 mins

If you are knocking at 60's door and fall into the small minority of South Africans who have saved enough to retire comfortably, you may be planning your...

Investing for retirement

Retirement annuities: still an attractive choice for retirement savings

By Christo Terblanche on 09 Feb 2012

reading time: 5 mins

In light of changes to the legislation governing retirement funds, which now limits the exposure individuals may have to various asset classes (e.g. a maximu...

Investing for retirement

Do the more restrictive individual investment limits on RAs outweigh their tax benefits?

By Wanita Isaacs and Christo Terblanche on 30 Sep 2011

reading time: 9 mins

Previously, retirement funds were considered an obvious choice for many investors due to the tax benefits they afforded. However, changes to Regulation 28 of...

Investing for retirement

Making sense of the revised retirement fund regulations

By Ian Barow and Taryn Hirsch on 30 Jun 2011

reading time: 7 mins

A recent revision in South African pension fund regulations affects your ability to transact on your retirement fund investment account. Ian Barow and Taryn...

Investing for retirement

Clarity on the new retirement fund regulations

By Christo Terblanche on 06 May 2011

reading time: 8 mins

When we published GrayIssue 117 in April there was uncertainty around the implementation of Regulation 28 and the impact this would have on our clients’...

Investing for retirement

Working with the new retirement fund regulations

By Christo Terblanche on 01 Apr 2011

reading time: 7 mins

Regulation 28 of the Pension Funds Act sets out the maximum exposures that retirement funds may have to various asset classes. Previously this was monitored ...

Investing for retirement

Living annuities for life

By Richard Carter on 31 Mar 2011

reading time: 8 mins

Living annuities need to provide an income stream for life. This means that the asset allocation in your living annuity investment should be aimed both at...

Investing for retirement

Solving the problem of retirement funding for small and medium-size businesses

By Gerhard Klinger on 31 Dec 2010

reading time: 8 mins

In Quarterly Commentary 1 of 2008 we introduced you to the Allan Gray Group Retirement Annuity. Two years on we reflect on how this system is proving to be a...

Investing for retirement

Early withdrawals from your retirement savings can be taxing

By Michael Summerton and Carla Rossouw on 30 Jun 2010

reading time: 8 mins

In this article, Michael Summerton and Carla Rossouw provide an overview of how withdrawal and retirement benefits are taxed. They use practical examples to...

Investing for retirement

Retirement fund reform - still debated

By Christo Terblanche on 31 Mar 2010

reading time: 7 mins

In previous articles covering retirement fund reform, we have shared our views on some of the choices being debated between stakeholders (see Quarterly...

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