Simplifying a changing retirement landscape

By Janice Roberts

The retirement landscape continues to change.  The default regulations introduced earlier this year represent significant change, and this stems from National Treasury’s aim to ensure that people have a sustainable income throughout retirement.

In addition to not saving enough, or preserving accumulated retirement savings when changing jobs, investors now have the additional challenge of living longer and having to plan for a much longer retirement than previous generations.  There’s consequently an increasing need for certainty or guarantees when it comes to retirement income.

Objective advice from a professional more important than ever

Investors have a number of needs when it comes to their retirement savings – they need to ensure a sustainable income, and in most instances they also need to grow their capital so that their income can keep up with increasing expenses.  Many people also prioritise leaving a legacy for their dependents.

However, there is no single product that meets all these needs.  In many instances, using a combination of different retirement income products will provide the most suitable solution for the client.

It was with this in mind that Glacier developed the Retirement Income Planner, an income illustration and comparison tool specifically designed for the post-retirement market.  It assists financial intermediaries to help clients select the most suitable and sustainable retirement income solutions – or combinations thereof.


Here are just a few of the features of Glacier’s new Retirement Income Planner web-based tool.  Financial intermediaries can:

  • Create customised illustrations in a few clicks.  These can be saved for future reference.
  • Choose the level of guidance needed to create customised client solutions.
  • Compare different solutions or combinations – side-by-side views.
  • Take discretionary savings into account as well.
  • See after-tax, current and future values for each scenario.
  • Share the proposal with their client as a pdf document.

Financial intermediaries can access the Retirement Income Planner via the Glacier Investment Hub.

Click here to view a short video or to listen to a podcast.

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