Retirement

How to get the most out of your retirement
If you're decades away from retirement, you're probably not putting in much effort in planning for that period. But the closer you get to retirement, the more you'll wish you had started planning and saving earlier. Planning for retirement is extremely important if you want to enjoy your golden years to the fullest. Lack of planning can lead to a chaotic lifestyle once you reach retirement and ... ››› more
[14 July 2014]

A nifty calculation to help you work out how much to save for retirement
Trying to ensure that you have enough money in your retirement pot can be an arduous task. You don't want to get to a year before retirement to find out you have a large shortfall in your savings. And that's where the ‘annuity factor' comes in. This can help you work out how much you should be putting away a month to achieve your retirement goals. Read on to find out what to do… ... ››› more
[14 July 2014]

How much should you save for retirement?
It is generally believed that you should save at least 10% of your income for retirement. How much you need to save in order to have a happy, comfortable life during retirement depends on many factors, including: the age when you start saving money, your forecasted monthly expenses, and whether or not you have other sources of retirement funds. It is best to start saving for retirement as e... ››› more
[11 July 2014]

Retirement investing mistakes to avoid
Whether you're close to retirement or have a long way to go, it's never too early to begin investing and saving for the golden years. Actually, the sooner you start, the better. Not even one quarter of retirees feel that they have enough money to live comfortably during this period, so it's important to plan ahead wisely and prevent mistakes that could cost you dearly once you do retire. Her... ››› more
[10 July 2014]

What rate of return should you expect from your pension fund?
If you're already ploughing money into a pension fund, that's a great start. But how can you expect your pension to perform over the years? After all this affects how much your pension pot is going to grow over the years. And it ultimately affects how much money you have once you retire. Let's take a closer look… What performance to expect from your pension fund Your pension fund provider mi... ››› more
[10 July 2014]

4 steps to a happy retirement
To be happy and financially carefree in your retirement years, you need to carefully plan ahead, invest, and make smart choices. The retirement years can be the happiest of your life if you have a reasonable income to live comfortably. That's why it's so important to start saving for your retirement while young and to not rely solely on company pension plans. Since many soon-t-be-retirees a... ››› more
[09 July 2014]

How to overcome one of the biggest issues facing your retirement nest egg
Saving for your retirement is no easy task. Yes the earlier you start, the better your chance of having a more comfortable retirement. But problems will still remain. To achieve a comfortable retirement, you need to save a lot of money. And you need to see your savings grow above the rate of inflation. Otherwise they're just wasting away. So how can you achieve this? And how can you do this ... ››› more
[07 July 2014]

One way to insure your retirement investments against a market crash
After a rocky start at the beginning of the year, the market has continued to climb. Again the Johannesburg Stock Exchange has been hitting new highs. Could a correction of say 10% to 20% be around the corner? It's always a possibility. So it's crucial to protect your investments, especially those you have earmarked for your retirement. And the closer you are to retirement age, the even more cruci... ››› more
[30 June 2014]

Retirement planning: The pros and cons of buying an annuity
Once you reach retirement age, you'll most likely have a couple of options to make about your future. Like many people, you may opt to buy an annuity with your pension pot. At first glance you might not think you're getting a lot for your money, but there are some benefits to opting for an annuity. Let's take a closer look at the pros and cons… The income from an annuity Over the years, annu... ››› more
[24 June 2014]

Preparing for retirement: What type of annuity is for you?
It appears that nothing about preparing for retirement is easy. But as with most important things in life, it's all comes down to the planning. If you've decided you're going to buy an annuity with your retirement savings, what are your options? There are a wide array of annuities to pick from. Let's take a closer look at five of the most popular… Annuity #1: A level annuity This is the most... ››› more
[23 June 2014]

Investing for retirement: How to build a strong income portfolio
Arguably, one of the best ways to prepare for retirement is to have a few different means at your disposal. This gives you some diversification and reduces your risks if something untoward was to happen to one of your plans. For instance, you may have a retirement annuity, a pension scheme through your job and a bumper savings account. And if you haven't thought about it before, you can put some m... ››› more
[20 June 2014]

Two steps to kick start the financial planning process for your retirement
You probably have a good idea of what you'd like to do once you retire. Perhaps you want to travel. Maybe spend more time with your family. Or perhaps get that fruit and vegetable garden really going. But have you thought about how you're going to get there? More importantly, have you financially planned to get there? Read on to find out what you need to do to get started… Retirement planning... ››› more
[18 June 2014]

Fitch just hurt South Africa's ego, don't let it hurt your retirement
Last week, ratings agency Fitch, downgraded its outlook on South Africa from stable to negative. It's reasoning… A poor economic outlook and rising consumer debt. Now these ratings agencies can be used as a gauge to tell what the rest of the world thinks about investing in South Africa. And when they downgrade their outlook, it sends a poor message to the rest of the world and bruises South A... ››› more
[17 June 2014]

Three ways to ensure you pick the perfect RA for you
Retirement annuities (RAs) are popular saving vehicles for retirement. But do you know there is a newer generation of RA that uses unit trusts to invest in? It doesn't need a policy like the older style, works out cheaper and is much more transparent. So how can you weigh up which RA is best for you? Ask yourself the following questions… Question #1: Are there any penalties if you change your... ››› more
[11 June 2014]

Should you have exposure to Bitcoin in your retirement pot?
It shouldn't be long until the first Bitcoin exchange traded fund (ETF), the Winklevoss Bitcoin Trust, launches in the US. So have you thought about adding some Bitcoin flavour to your retirement fund? This might sound a crazy idea, but many retirement experts advocate up to 10% of your pot in alternative investments. So you could opt for some Bitcoin exposure. Let's take a closer look at whether ... ››› more
[10 June 2014]

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