B2B Central

retirement planning

25 Aug 2020

The long and short of longevity: a woman’s perspective

By Staff Writer

Longevity is an accelerating macro trend. World Economic Forum (WEF) research shows that we now live a decade longer than our parents’ generation and two decades longer than our grandparents. Internal statistics from retirement income specialist Just indicates a total life expectancy for a 65-year old to be 87 years for women as opposed to...
15 Oct 2019

Are you on track for retirement?

By Janice Roberts

By: Kim Potgieter, Director and Head of Life Planning at Chartered Wealth Solutions Have your considered what life will look like in retirement? Visualising this chapter is essential to retiring successfully. We strive to be financially secure, yet many neglect planning for what they will do in retirement. Studies now show that the average person can expect...
27 Feb 2019

Compulsory retirement savings: a plan to help us help ourselves

By Janice Roberts

Author: Cindy Frantzeskos, Director of Employee Benefits at BDO With the annual treasury budget now done, an interesting thought exercise is to consider: “What would the dream budget have looked like?” In other words, what fundamental policy changes could we make to structurally improve the prospects of all South Africans.
23 Sep 2015

Are American workers financially confident?

By Janice Roberts

The 2015 LifeCare/FPA Financial Confidence of American Workers Survey – released this month – finds that day-to-day finances are having a drain on workers’ ability to plan for the long-term. It also reveals that workers are confident for the short-term and less confident about the long-term. While savings is a key area of confidence, it’s...
29 Jul 2015

Could you live on a pre-tax monthly income of R4 392?

By Janice Roberts

This would be your reality if you were a 65-year-old woman retiring today with a R1 million inflation-linked guaranteed annuity. If you were a man in a similar financial position, you would receive a slightly higher monthly income of R5 176, also pre-tax, but only because your life expectation is lower than that of a...
30 Jun 2015

Investing towards a goal

By Janice Roberts

Lately, the investment strategies employed in managing retirement funds have tended to favour a performance-based framework as fund managers chase the best returns. While this strategy may seem more attractive on the surface as it aims to maximise wealth creation, the returns achieved don’t always meet the needs of investors in retirement.
02 Mar 2015

Retirement planning opportunities in flux

By Janice Roberts

By Allan Haynen, Director at BDO Wealth Advisors The 2015 budget has referred to various changes which will affect retirement planning opportunities for individuals. The widely publicised changes to taxation of contributions to retirement funds was due to take effect as from 01 March 2015 but had been postponed during the past year to 01...
26 Feb 2015

FISA comment on National Budget 2015

By Janice Roberts

Closing down the abuse of retirement annuity contributions to avoid estate duty In a budget with few surprises the Minister of Finance announced several tax increases and measures to prevent tax leakage. From an estate planning perspective, the tax rate for trusts is increased from 40% to 41%, while the corporate tax rate of 28%...
13 Jan 2015

Tips for planning your retirement

By Janice Roberts

With the pace of life growing ever more frenetic, planning has become an essential survival tool for today’s upwardly mobile generation. Yet while many of us tend to plan our lives well in advance, diarising key dates and social occasions with military precision, we tend to overlook one key priority ,financial planning, says Johan Lotz,...
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