Retirement Enablers

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?

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.

Chasing Financial Freedom

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

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.

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.

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.

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

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?

Time to manage risk and think long-term

Retirement Fund investment returns have been disappointing over the last few years. This has left many of us feeling concerned as we saw the values of our retirement portfolios increase very little, or even decreasing during some periods. The question we need to address is: “What should I do in the current environment?”

How will the 2018 budget speech affect your budget?

We take a look at examples ranging from how the increase in Value Added Tax (VAT) will affect a basket of groceries to the relief on medical aid premiums.