1. Pre-retirement
   • Retirement annuities (RAs)
     A smart way to save for retirement with tax benefits. Your money grows tax-free, and you may be able to reduce the tax you pay each year (within certain limits). 0% tax on returns and you can claim a deduction on your income tax liability subject to certain limits per annum.
   • Tax-Free saving accounts
     A flexible savings option that works alongside your RA to help grow your money faster. Plus, you don’t have to pay tax on the returns.
   • Pension and provident fund
     Helping you understand and make the most of your workplace retirement benefits.
   • Preservation funds
     A smart way to protect and keep your retirement savings iinvested and growing when you change jobs, helping you avoid cashing out early and reducing potential tax implications.
2.  Approaching retirement
   Retirement looks different for everyone. For some, it’s spending more time with family. For others, it’s travelling, pursuing personal interests, or simply enjoying life without financial stress. A retirement plan helps turn those goals into something achievable.
   
   If you’re around 10 to 15 years away from retirement, this is one of the most important stages of your financial journey. It’s an opportunity to review your progress, identify any gaps, and make meaningful adjustments while there is still time to benefit from them.


3. Post-retirement
   If you’ve already retired or your retirement date is fast approaching, the biggest decision of your life awaits. How do you ensure that you don't outlive your retirement savings?
   
   We can help you decide between a living annuity and guaranteed annuities to structure your unique income needs in retirement.
   
   A living annuity gives you more flexibility and control over how your retirement savings are invested and how much income you draw, but your income may fluctuate depending on investment performance.
   
   A guaranteed annuity, provides a regular income for life, offering greater certainty as the insurer takes on the investment risk.

 

Consider the following example:
Starting small can still lead to meaningful long-term wealth creation. For example, by investing R1 000 per month towards retirement, increasing contributions by 6% annually, and earning an average annual return of 10%, you could accumulate close to R4 million over 30 years*.

This demonstrates the power of consistency, disciplined investing, and long-term compound growth. The earlier you start, the more time your money has to grow.

^{*Nothing in this material represents advice or recommendations on the suitability of any product/s for you. You or your financial advisor, as appropriate, should conduct your own investigations and form your own views on the merits of the product/s. Past performance is not an indicator of future performance}

Our approach

We start by understanding where you are today, where you want to be and what matters most to you. We consider your savings, lifestyle, financial commitments and future goals to create a clear, practical plan that evolves with you as your circumstances change.

Start planning for the future you want. Speak to an advisor.