Retirement

  • What you need to know to secure the biggest income possible at retirement
  • On 18 July 2018, I told readers that buying an annuity at retirement was a more secure way to ensure you don't run out of money. Rather than taking a lump sum and managing it yourself. Following this article, I received the following letter from G: “Francois, I read your email regarding retiring with R5.5 million and receiving a monthly income of R46,777 guaranteed for life. I just d... ››› more
  • [25 July 2018]
  • How would you like R5.5 million at retirement?
  • What would you prefer? A pay out of R5.5 million the day you retire, or lifetime guaranteed income of R46,772 per month every month till you pass away. If you started saving R300 per month towards your retirement in 1978 (roughly 7.5% of the average household income back then) you'd sit with exactly that choice today… So what's the best choice? How do you ensure that your money lasts you a... ››› more
  • [18 July 2018]
  • Do you know at what age you will be ready to retire?
  • According to a retirement round table hosted by the CFA Society and the Financial Planning Institute of Southern Africa, only about 6% of South Africans can maintain their standards of living when they retire. And, based on the Global Retirement Index, South Africa is among the worst 8% of countries in the world to retire in. That's because state healthcare, social security and a number of oth... ››› more
  • [04 April 2018]
  • Tax Year End: What you absolutely must do before 28 February 2018
  • Tax year end is fast approaching. This means, next week Wednesday, your tax breaks for the 2017/2018 year will expire. Fortunately, it's not too late to maximise all your benefits before you lose them. But don't worry, because today I'm going to show you how to do this… Three tax breaks every investor receives   As a private investor you receive three main tax breaks: ... ››› more
  • [22 February 2018]
  • Here's what no-one told you about low-cost RA's…
  • A week ago I was nearly convinced low-cost RA's are the way to go. I read a well written article on the web, promoting the virtues of low-cost RA's. The article uses the following example: Someone has saved R3 000 every month for 40 years into a retirement annuity (RA), and earns a return of 6.5% above inflation. If you pay an investment fee of 3% you'd end up with R3 million at the end ... ››› more
  • [22 September 2017]
  • Getting it right… 2 to buy and 2 to sell
  • Where is, the Rand going? The biggest surprise last week came from the Rand which strengthened another 2,3% against the US Dollar and 3% to the Pound. This put Rand hedge stocks under pressure and the Resources Index fell 2,7%. The JSE Top 40 index was down 1,5%. The Dow Jones Industrial Average rose 1,8% and the S&P500 1,5%, touching new highs. European markets were firmer but m... ››› more
  • [22 September 2017]
  • Momentum improves as the JSE rises 3.6% - One to buy and One to Sell
  • Before we jump into what the market did and what you should look out for this week, I would like to mention a few interesting retirement articles you should consider reading. This week's Business Times had some excellent articles by Laura du Preez on Retirement Planning, take note of the following:   New disclosure of RA costs is highlighting rampant abuse in this area How a ... ››› more
  • [21 September 2017]
  • Why you need to think differently for retirement planning
  • It's never too early to start planning for retirement. And this means thinking somewhat differently about retirement planning for your later years. Have you ever stopped and asked yourself these questions? 1. How much will I need to save for retirement in order to live comfortably? 2. What are my retirement goals? 3. When should I start? 4. What should I do? 5. What costs might I... ››› more
  • [21 September 2017]
  • Profiting from short term volatility - One to buy with one to sell
  • We had a good week for our short-term trades. • Sasol for a 6.71% gain • Vodacom for 10.33% gain • Sibanye for a 30% All ungeared, see position updates below. Paying too much for your retirement savings?   The weekend press has again highlighted the impact of costs your retirement savings. Most older policy are paying the industry norm of 3% and higher. It’s a littl... ››› more
  • [21 September 2017]
  • What my mother taught me about retiring wealthy
  • I probably learned more from my mother's retirement experience than anyone else's. When she retired, she wanted security, lived austerely, but had no idea whatsoever of enhancing value. And therein lay the disaster. My mother sold her home, moved into a seemingly more secure rented complex, and placed all financial resources into a low interest bearing building society account in an extremely h... ››› more
  • [14 August 2017]
  • Trump's first days in office + 3 to buy and 2 to sell
  • Last week's sentiment remained positive and markets continued their rally. President Trump's first days in office are being closely monitored and provide plenty for traders to digest. The JSE Top 40 closed the week up 0,8%, but retreated slightly on Friday along with generally softer developed markets; for the year to date the JSE is up 7,7%. Kumba rallied 27% after it provided a product... ››› more
  • [31 January 2017]
  • The secret to long-term wealth…
  • Investors will search high and low to discover the real secret to what generates wealth in the long term. Today I'm going to tell you the answer is simple. Professor of Finance at the University of Pennsylvania and well-known market commentator, Jeremy Siegel did a comprehensive study to discover the best investments over 188 years. And what he found proved, that one particular asset outp... ››› more
  • [29 August 2016]
  • Eight reasons you won't have enough to retire - Here's what you need to do right now!
  • You won't have enough money to retire. I know I sound like the harbinger of doom, but it's a reality that you and most South Africans need to face up to. Now you might be asking, why am I saying this about you? Well, I am only looking at the statistics. The Financial Planning Institute of South Africa says less than a quarter of South Africans can afford to retire. If you think that's ... ››› more
  • [11 August 2016]
  • How to avoid the 20 most common retirement planning mistakes
  • There are so many things you need to consider when planning for your retirement. Of course, there's the obvious retirement planning concerns, like how much you earn and how much debt you have but there are other factors that could leave you scrambling around trying desperately to build up your retirement savings. To help you prepare for your retirement, I've found 20 of the most common ret... ››› more
  • [02 June 2016]
  • Confirmed: A recession and a junk status down grade is inevitable
  • “The rand could hit R60 to the dollar by 2019: Chris Hart” - Business Tech “Chris Hart: Nothing can prevent SA's slide to junk” - Fin24 I spoke to Chris about his recession and junk status predictions at the South African Investor member meeting on 24 May 2016. I asked him if he was misquoted in the media. However, he was adamant that he is right about these predictions. One of the... ››› more
  • [30 May 2016]
  • The “do it yourself” retirement plan - Beat the market and save R1,198,087 in fees
  • For decades, retirement investors handed over control of their finances to someone else to squeeze as much as they can out of their retirement annuities (RA). If you're doing that, then you know it means accepting mediocre returns and paying high management fees. But there's a little-known ‘new generation' RA that lets you customise your investments. In fact, you now have full control over ... ››› more
  • [24 May 2016]
  • Why this forgotten investment could be your saving grace in retirement
  • Right now there's an investment you've probably forgotten about. I'm not talking about your equity portfolio, your government bonds or even your retirement annuity. I'm talking about a specific investment that will either contribute greatly towards your retirement or leave you struggling to make ends meet when you stop working. You might have forgotten about this investment but right now, i... ››› more
  • [23 May 2016]
Page: 1 2 3 4 5 6 7 »



Watch And Learn




Trending Topics