B2B Central

Retirement

09 Dec 2019

What does history teach us about living annuities?

By Janice Roberts

Retirement can be a daunting prospect. Not only is it a time of personal adjustment but it is also a time to make  financial decisions that will impact your lifestyle for the rest of your life. Retired investors commonly face the dilemma of either maintaining a certain lifestyle or adjusting it in order to preserve...
06 Dec 2019

Financially independent parents on the wish list this festive season

By Janice Roberts

It’s the time of year again where South Africans nationwide swap work check lists for personal wish lists and the search for gifts becomes all-consuming. The festive season also presents a timely opportunity for pre-retirees and retirees to consider a more pragmatic approach to gift giving; namely to identify which gifts will give their children...
21 Nov 2019

Self-employed? Here’s how you can save for your retirement

By Janice Roberts

“The most common mistake entrepreneurs make is confusing revenue with income,” says Ray Mhere, Johannesburg regional manager of Allan Gray. “Another mistake they make is not paying themselves a regular salary, which can negatively impact their long-term ability to invest.”
20 Nov 2019

Loyalty programmes in the digital age

By Janice Roberts

By: Nathea Nicolay, Head of Product, Sanlam Reality
15 Nov 2019

Planning for retirement in a risky world

By Janice Roberts

By Shreekanth Sing, Technical Legal Adviser at PSG Wealth. Failing to plan is planning to fail, and nowhere is this truer than when it comes to retirement planning. However, even a disciplined and well-advised retirement plan can come under threat due to certain pre- and post-retirement risks. Some of these risks are under our control,...
12 Nov 2019

Applying big data in retirement funding

By Janice Roberts

What if someone told you that compared to ‘the Joneses’, you’re saving about 20% less for retirement each month. Chances are, that information would be impactful. You’d probably feel the necessity to relook your money management to try and put in a little bit more each month. That’s the potential power of big data in...
07 Nov 2019

SA retirees prefer secure monthly income: Survey

By Janice Roberts

Retirement income specialist Just, this week launched the 2019 findings from ‘Just Retirement Insights’ – a comprehensive review and commentary based on face-to-face interviews with over 520 pre-retirees and retirees.
04 Nov 2019

Four factors to help you plan for longevity

By Janice Roberts

By Jan van der Merwe, head of actuarial and product at PSG Wealth. Increasing longevity is one of many positive aspects to recent human development. It brings with it a change in the balance of working years versus years spent in retirement. This in turn implies a need to reconsider traditional calculations, to ensure you...
29 Oct 2019

Retirement annuities: How much can you invest offshore?

By Janice Roberts

By Jaco Prinsloo, Certified Financial Planner at Alexander Forbes. With all the uncertainty in the South African market and concerns about future investment returns, many investors are looking offshore for investment opportunities. A diversified investment portfolio is always a good strategy when saving for retirement but before you set off looking for greener pastures in...
28 Oct 2019

Clients depend on intermediaries’ skill and the quality of the DFM with whom they partner

By Janice Roberts

Accumulating capital for retirement has, for decades, been underpinned by traditional portfolio construction thinking. This presents a problem for retirees in the decumulation – or income drawdown – phase of their life journey. The reality is that people are living longer and as a result, their capital is at risk of not lasting. So say...
23 Oct 2019

Twenty years on, Pensions Tribunal still force to be reckoned with

By Janice Roberts

Errant pension funds and administrators must fall in line with the rules and adhere to good governance, says Minister of Finance, Tito Mboweni. In a foreword to the 2018/9 Annual Report of the Office of the Pension Funds Adjudicator (OPFA), Mboweni said market conduct remained a burning issue as funds and administrators continued to grapple...
22 Oct 2019

Early retirement is tempting – but can you afford it?

By Janice Roberts

By Kerry King, Advisory Partner, Citadel. The temptation to retire early and adopt a life of leisure can be particularly seductive as you enter your fifties and sixties, especially after many years spent with your nose to the grindstone. But can you afford it? There are two main drivers which determine if early retirement is...