Articles tagged as "retirement"
Turn intention into lasting certainty through your will
National Wills Week, which takes place from 14-18 September this year, is a good time to draft a will if you do not have one or to review your existing will...
How much is enough to contribute to retirement?
Starting early, investing appropriately and remaining invested are key to achieving a comfortable retirement. But contribution levels are also critical. Kyle...
The in-between years: investing for retirement as careers and lives grow
As careers progress and lives take shape, investing for retirement can feel easy to defer. This in‑between phase – typically your 30s and 40s, when you are n...
Take control of your 2026 tax-filing obligations
Tax-filing season tends to roll around faster than expected each year, often leaving taxpayers with additional admin and last-minute pressure. While the...
Two laws, one obligation: Safeguarding retirement fund contributions
Paying over retirement fund contributions is a core obligation for any employer who offers a retirement fund arrangement. Recent regulatory changes mean that...
Taxation of retirement lump sums and living annuity income for non-residents
Investors who emigrate are often surprised by the complexity involved in accessing their existing retirement investments after they have ceased to be South...
The cost of chasing perfection when investing – with Dr Thomas Curran
What if perfectionism is costing us more than we realise? Not just in career progression, mental health and life, but in investment decision-making too. In t...
The role of group risk in employee benefits
Drawing from a panel discussion at our annual Through the noise retirement benefits conference in September, Ielyaas Gamiet, manager in the Group Savings and...
From static to signal: Retirement insights from Through the noise
Allan Gray’s fifth annual Through the noise retirement benefits conference brought together local and global experts to explore the future of retirement in...
What the net replacement ratio reveals about retirement readiness
Many employers set up retirement fund benefits to ensure that their employees can work towards being financially secure when they reach retirement and no...
How to evaluate umbrella funds
Navigating the complex world of umbrella funds can be likened to steering a ship through choppy waters. Just like a ship’s captain relies on accurate weather...
How to keep the lid on lifestyle creep
In recent years, central banks have grappled with curtailing inflation and easing interest rates at a reasonable pace.
Four rules for making your income last through retirement
Retirees who primarily rely on their living annuity investments to provide them with a steady stream of income are often haunted by the question: How do I ma...
Making new year’s financial resolutions last
As the new year kicks into full swing, many South Africans will be setting new year’s resolutions – including financial and investment goals – to improve the...
Resisting the lure of the two-pot cookie jar this festive season
With the festive season underway, consumers may be considering using their two-pot retirement savings component to splurge.
What you need to know about two-pot withdrawals and tax
The highly anticipated two-pot retirement system came into effect on 1 September 2024. There has been significant activity across the retirement fund industr...
Taking stock of two-pot: A trustee’s perspective
All South African retirement funds have been impacted by the recent introduction of the two-pot retirement system.
The importance of an emergency fund in the two-pot era (updated)
For a long time, the retirement savings industry has observed how many South Africans have struggled to balance accumulating and preserving their long-term...
Your next important election
With the two-pot retirement system signed into law, and set to be implemented on 1 September 2024, Belinda Carbutt discusses the latest retirement reform. Sh...
Part 3 (updated): The two-pot system and your savings withdrawal benefit
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...
Part 2 (updated): The two-pot system – what we know for now
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...
How to choose the right default option for a retirement fund
A well-designed default investment strategy should strike an appropriate balance between risk and return. Shaheed Mohamed, head of Group Savings and...
Who’s right – personal finance experts or economists?
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...
Podcast: Are better outcomes for retirement savers on the horizon?
Allan Gray’s head of Assurance, Richard Carter, joins Umbrella Fund specialist Mica Townsend to discuss the challenges with the current system, the...
Five ways to build a solid financial foundation
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...
Building a legacy: Part 2
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...
Are you financially resilient?
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...
The ultimate human race
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
Millennials are redefining the working environment, placing a bigger emphasis on tech and innovation, flexibility and rewards that aren’t only about...
PART 5: What should I invest in?
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
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 ...
Five tough financial decisions you may have to make… And why they are worth it
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...
Consider your lifestyle inflation when saving for retirement
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
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...
February: A good month to review your retirement plans and bump up your retirement savings
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
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
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
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...
Making sense of the revised retirement fund regulations
A recent revision in South African pension fund regulations affects your ability to transact on your retirement fund investment account. Ian Barow and Taryn...
Working with the new retirement fund regulations
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 ...
The cost of too much choice
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...
