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
Have you ever asked yourself, “Will you live as well as your parents did when you retire?”
That's a question thousands of South Africans ask themselves everyday when they reach retirement. The sad truth is, the answer is probably always, “No, I won't”
And, it's no surprise...
You know the statistics that say, only a quarter of South Africans will retire comfortably. The rest wi... ››› more
If you know just a few simple tricks you can take control of your own retirement back from your financial advisor - and save a small fortune in fees at the same time. Today, Aiden Sookdin speaks to the experts and explains exactly how to set up your own fool-proof retirement savings plan - DIY style. It's a lot easier than you may think. Just follow this simple four-step plan and you'll be well on... ››› more
So, you think that during retirement you can rely on your investment income to keep you going. Well, what if you find yourself dipping into your actual investment capital to make ends meet?
The danger is, each time you take cash from your investments, there's less capital invested to generate income.
That's why today, I want to show you how an ultra-low risk investment to help you generate... ››› more
Every day I meet new people who continuously worry about the markets trampling on their investments. People feel anxious that investing won't give them enough to survive.
You see, retirement plays on most people's minds. And in today's times, the sad thing is, a retirement annuity isn't enough to retire comfortably and support your family.
What it really comes down to is answering these two ... ››› more
One of the keys to successful income investing is proper asset allocation, how you balance your portfolio among stocks, bonds, cash, real estate, commodities, gold, and other investments. And asset allocation is not just for your investment portfolio. The can apply the same strategy to your retirement nest egg. Read on to discover the number one way to protect and grow your retirement nest egg… ... ››› more
Planning for retirement isn't an easy thing to do. There are so many choices about how you can save and invest for your future.
One option you have is to contribute to a retirement annuity.
So what exactly is a retirement annuity? And how do they work?
Read on to find out more…
What is a retirement annuity?
A retirement annuity is a way to save for your retirement.
You can... ››› more
If you're anything like me, not having enough money for retirement is something you worry about.
I feel I'm running out of time and don't have enough put aside so that I can look forward to a comfortable retirement.
So in searching for a way to ensure that I have enough put away for my later years, I came across a book called Start Poor, Retire Rich.
From reading this book, I feel I know ... ››› more
When you retire, you want to be in a financially secure position.
This means taking the time now to plan and ensure that you stick to specific retirement planning goals so you achieve this end goal.
Read on to find out more…
What you need to do before you hit retirement
You need to take steps now to ensure that retirement isn’t a time when you’re worrying about money. To do th... ››› more
One mistake you should avoid making when you retire is to give up your active income. Active income is money you earn through working or from a business you own.
You shouldn't confuse it with passive income. This is money you receive from an annuity or pension.
So why should you not give up your active income?
Read on to find out more…
The pitfalls of giving up your active income ... ››› more
When you're young, you have hopes and dreams for the years that lie ahead. Retirement seems a far off notion that you won't have to worry about now.
As you age and you creep closer to retirement age, the reality dawns that you may not be in a financially sound position to ever retire. Things aren't quite like you envisaged them.
But you can make changes now that will help you live a comforta... ››› more
There isn't an easy way to prepare for retirement. You'll have to make a lot of choices along the way.
If you're contributing to a pension or a retirement annuity, it's good to add some diversification by looking at other ways of saving for your retirement.
And you could do this by using your tax-free savings account.
Read on to find out more…
Investing for retirement with a tax ... ››› more
You most likely already know that the earlier you start preparing for retirement, the better.
From when you start work until you reach retirement age, there are certain things you should focus on in terms of planning for your retirement.
Let's take a closer look…
Planning for retirement in your 20s
In your 20s, retirement planning isn’t likely to be top of mind, but this is whe... ››› more
Planning for your later years is no easy task. There are so many decisions to make.
You know you need to make provisions and save for retirement, but what are your options?
Read on to find out more about five ways you can fund or top up your retirement savings…
How to plan for your retirement
Planning for retirement is a time consuming task. Of course, the earlier you start the be... ››› more
Endowments, also known as endowment policies or endowment plans, are essentially savings vehicles provided by life assurance companies.
Endowments can be a good option for you to consider for providing additional income once you reach retirement if you sit in a higher tax bracket.
Let's take a closer look at endowments…
What are endowments?
Endowments are targeted savings plans. T... ››› more
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