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Articles tagged as "Retirement"

Insights categories - Retirement

Part 2 (updated): The two-pot system – what we know for now

By Jaya Leibowitz on 28 Feb 2024

Reading time: 6 mins

There has been a lot of noise in the past few months about the changes that are being made to the South African retirement system. In part 2 of our Two-pot...

Insights categories - Retirement

Part 3 (updated): The two-pot system and your savings withdrawal benefit

By Jaya Leibowitz on 28 Feb 2024

Reading time: 8 mins

In part 3 of our Two-pot chapter, Jaya Leibowitz reminds us not to lose sight of the importance of preserving retirement savings, and cautions investors...

Insights categories - Retirement

How to choose the right default option for a retirement fund

By Shaheed Mohamed on 19 Oct 2023

Reading time: 7 mins

A well-designed default investment strategy should strike an appropriate balance between risk and return. Shaheed Mohamed, head of Group Savings and...

Insights categories - Personal investing

Who’s right – personal finance experts or economists?

By Earl Van Zyl on 16 Nov 2022

Reading time: 6 mins

When it comes to managing your wealth, there’s a yawning gap between what personal finance pundits advocate and what economists believe. Who should you liste...

Insights categories - Retirement

Podcast: Are better outcomes for retirement savers on the horizon?

By Mica Townsend on 26 Oct 2022

Listening time: 36 mins

Allan Gray’s head of Assurance, Richard Carter, joins Umbrella Fund specialist Mica Townsend to discuss the challenges with the current system, the...

Insights categories - Retirement

Great news for retirement savers as offshore limits increased to 45%

By Earl Van Zyl on 02 Mar 2022

Reading time: 2 mins

Following announcements in the recent Budget speech, the South African Reserve Bank (SARB) has confirmed that the offshore investment limits for all investme...

Insights categories - Personal investing

Five ways to build a solid financial foundation

By Phiko Peter on 15 Jun 2021

Reading time: 7 mins

Most of us start our careers in our early twenties and plan to earn an income for about four decades before reaching retirement age. Along the way we will...

Insights categories - Personal investing

Building a legacy: Part 2

By Phiko Peter on 23 Sep 2020

Reading time: 56 mins 32 seconds

Successfully building a legacy for our loved ones hinges on the strategies we put in place to achieve our financial goals. In the second of a two-part Zoom...

Insights categories - Personal investing

Building a legacy: Part 2

By Phiko Peter on 23 Sep 2020

Reading time: 56 mins 32 seconds

Successfully building a legacy for our loved ones hinges on the strategies we put in place to achieve our financial goals. In the second of a two-part Zoom...

Insights categories - Retirement

How to save for retirement when you work for yourself

By Ray Mhere on 12 Nov 2019

Viewing time: 1 min

Driven by the desire for greater flexibility, and improvements in technology, many skilled workers are turning to the gig economy to earn a living. Working...

Insights categories - Personal investing

Are you financially resilient?

By Mthobisi Mthimkhulu on 23 Oct 2019

Reading time: 9 mins

Most of us know what it means to build resilience in the context of health and wellness: eat healthily, exercise regularly, get enough sleep and manage stres...

Insights categories - Retirement

Retirement planning in reality

By Leaveil Des Fountain on 24 Jul 2019

Reading time: 9 mins

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

Insights categories - Retirement

The ultimate human race

By Belinda Carbutt on 31 May 2019

Reading time: 7 mins

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...

Insights categories - 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...

Insights categories - 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...

Insights categories - Personal investing

PART 5: What should I invest in?

By Mthobisi Mthimkhulu on 17 Oct 2017

Reading time: 6 mins

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

Insights categories - 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 ...

Insights categories - 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...

Insights categories - Personal investing

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

By Thandi Ngwane on 30 Nov 2015

Reading time: 4 mins

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...

Insights categories - 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...

Insights categories - 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...

Insights categories - 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...

Insights categories - 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...

Insights categories - 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...

Insights categories - 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...

Insights categories - 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...

Insights categories - 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...

Insights categories - 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...

Insights categories - 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...

Insights categories - 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...

Insights categories - 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 ...

Insights categories - 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...

Insights categories - 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...

Insights categories - 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...

Insights categories - Personal investing

The cost of too much choice

By Marisa Kaplan on 30 Sep 2009

Reading time: 7 mins

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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