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Articles tagged as "Retirement"

Retirement planning in reality

By Leaveil Des Fountain on 24 Jul 2019

To truly break the cycle of poverty and start creating generational wealth, young working professionals need to prioritise saving for retirement. Leaveil Des...

The ultimate human race

By Belinda Carbutt on 31 May 2019

As investors there is a lot we can learn from marathon runners that can assist us with our own “ultimate human race” – the challenge of retiring financially...

Umbrella funds can help attract millennial talent

By Saleem Sonday on 16 Mar 2018

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

How to achieve a sustainable retirement income

By Shaun Duddy on 23 Nov 2017

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...

PART 5: What should I invest in?

By Mthobisi Mthimkhulu on 17 Oct 2017

Tax and law are wrapped around every investment product. Knowing the rules can help you choose the right product for your needs...

Welcome amendments to retirement reform

By Richard Carter on 03 Feb 2016

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 ...

More for the future you, less for the tax man

By Carla Rossouw on 14 Jan 2016

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

Five tough financial decisions you may have to make… And why they are worth it

By Thandi Ngwane on 30 Nov 2015

Money decisions are never easy and often come down to personal circumstance and choice. If you are lucky enough to get a bonus or a 13 th cheque, should you...

Life in a month

By Chris Tisdall on 01 Jul 2015

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...

How to ensure your retirement income goes the distance

By Michael Summerton on 30 Jun 2014

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...

Consider your lifestyle inflation when saving for retirement

By Shaun Duddy on 25 Feb 2014

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...

Group retirement annuities bolstered by retirement reform

By Gerhard Klinger and Debbie Ryan on 31 Mar 2013

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...

Retirement reform: How will the changes affect you?

By Richard Carter on 31 Mar 2013

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

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

By Wanita Isaacs on 19 Feb 2013

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...

Make sustainability a priority when planning your retirement income

By Richard Carter on 29 Oct 2012

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

Planning for income post retirement

By Richard Carter on 30 Sep 2012

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...

Retirement annuities: still an attractive choice for retirement savings

By Christo Terblanche on 09 Feb 2012

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...

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

By Wanita Isaacs and Christo Terblanche on 30 Sep 2011

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

Making sense of the revised retirement fund regulations

By Ian Barow and Taryn Hirsch on 30 Jun 2011

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

Clarity on the new retirement fund regulations

By Christo Terblanche on 06 May 2011

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’...

Working with the new retirement fund regulations

By Christo Terblanche on 01 Apr 2011

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 ...

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

By Gerhard Klinger on 31 Dec 2010

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...

Early withdrawals from your retirement savings can be taxing

By Michael Summerton and Carla Rossouw on 30 Jun 2010

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

Retirement fund reform - still debated

By Christo Terblanche on 31 Mar 2010

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

The cost of too much choice

By Marisa Kaplan on 30 Sep 2009

People are attracted to choice, but that does not mean that having more choice will lead to better decisions, or a better decision-making process. Research h...

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