Retirement Enablers

How does the Covid-19 novel coronavirus affect my retirement fund investments?

In consultation with investment consultants and financial advisors, we provide you with some answers to questions you may have on how the Covid-19 novel coronavirus might affect your retirement fund investments.

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How will the 2020 budget affect you?

Opposite from the expected, there will be an above-inflation increase in the personal income tax brackets, which will see taxpayers paying 5.2% less income tax. The short of it is that you will pay less tax!

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National Wills Week

A Will guarantees that your wishes will be carried out, after your death. It is the final legal contract of your life – but that’s no reason to leave it until the last minute! Although thinking about our own passing is something almost all of us avoid, we do tend to worry about what will happen to our loved ones when that day comes. So why not do what you can for them, right now?

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Celebrating Women’s Month

At this time of the year, it’s normal to take a step back and pause in admiration at just how much the women in our lives do for us. Many of our wives, partners, mothers, sisters and daughters have embraced multiple roles as homemakers, breadwinners, and caregivers.

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Chasing Financial Freedom

The goal of financial freedom is not to be reliant on other people to meet your financial needs.

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Unpacking Regulation 39 - Annuitisation strategy

Regulation 39 compels all retirement funds to provide members with an annuity (pension) strategy with various annuity options, either in-fund or out-of-fund. This strategy can take the form of a guaranteed (life) and/or a living annuity or a combination of both.

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Unpacking Default Regulation 38 - Default Preservation strategy

All retirement funds will, from 1 March 2019, need to allow for all members who withdraw from the fund (i.e. resign, are dismissed or get retrenched) to leave their retirement benefit in the fund. Such a member will become a paid-up member.

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Unpacking Default Regulation 37 - Default Investment Portfolio(s)

The default regulations, more specifically Regulation 37, require retirement funds to establish a default investment portfolio that is appropriate for the members of the fund.

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2019 Budget Review - How badly do you need to tighten your belt?

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Saving extra rands can make a lot of sense

We have all heard the age-old “saving for a rainy day”. But what is a rainy day, which options are available to you, and how do you know which one to choose?

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