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Retirement Fund

  • Do you have enough for retirement?
  • If you're approaching retirement, it's likely this question is keeping you up at night. It doesn't really matter if you're wealthy, comfortable or just making ends meet. When you get to retirement age the world changes. In the course of my life I've worked with high-flying executives living what can only be described as “the dream”. Owners of multiple businesses, in multiple countries.... ››› more
  • [27 June 2019]
  • Tax year end - Do these three things to reduce your tax liability
  • With just 12 days left of the tax year and the budget speech next week, this is the time of year, that you should be evaluating your investments and retirement savings and maxing them out as much as you can. While many people know they should be saving more for a rainy day and retirement, most of us are not. Using a few tax incentives can assist you a great deal now and years down the line. ... ››› more
  • [12 February 2019]
  • 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]
  • 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]
  • 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]
  • 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]
  • How to set up your very own DIY retirement fund
  • 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
  • [17 May 2016]
  • How to catch up on your retirement savings
  • Are you in your late 40's or 50's and worried that you have not managed to save a substantial amount for retirement? Even as a late starter, you can still make up for the lost time, but you have to act fast and start saving much more than planned. It may be time to take some drastic actions, but it will all be worth it when you retire.  Here is how to catch up on your retirement savings... ››› more
  • [24 July 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]
  • When I saw this my blood was boiling….
  • As our family's ‘Financial Expert' I always have family members coming to me for help. And this past week I received a mail from a family member asking me to have a look at a retirement policy of theirs and whether they should continue paying it past 55. When I saw its contents I was ready to explode. You see, this retirement plan my family member was pay towards wasn't benefitting him at ... ››› more
  • [10 February 2014]
  • How to create a second retirement fund
  • For most of us, saving for retirement comes in two parts. There's the years of working to build a pot of money. Then, when you retire, you have to turn this pot into an income to live on. Traditionally, the way to do this is to buy an annuity - an income for life - with your pension pot. These can be good if you get a decent rate and you live long enough. But it makes sense to have back-up. Read o... ››› more
  • [07 October 2013]
  • It's time to take your retirement nest egg by the horns
  • Depending at what stage you are in your life will determine how you should be preparing for retirement. If you're aged between thirty and fifty, it's time to take that retirement nest egg by the horns. Read on to find out what you can do to save for your retirement… When you’re aged between 30 and 40, no doubt you’re facing the demands of children and paying off a mortgage. Put 10% extr... ››› more
  • [27 August 2013]
  • The detrimental impact of retirement fund charges
  • The Treasury released its final discussion paper today from a series of five it's published about retirement reform. This latest paper looks at the charges and costs associated with retirement funds. Let's have a closer look at what the Treasury covered… In the last of the National Treasury’s retirement industry series, today it released its discussion paper called Charges in South African R... ››› more
  • [11 July 2013]
  • 2015 is set to be the “year of tax respite” for your retirement fund
  • New Tax Amendment Bills were published yesterday. These come after Finance Minister Pravan Gordham's 2013 budget speech earlier this year. And while the Treasure hasn't dealt with all issues yet, here's what South African tax payers need to know about the new bill… Yesterday the Treasury released its Taxation Laws Amendment Bill and the Tax Administration Laws Amendment Bill. This “draft leg... ››› more
  • [05 July 2013]
  • Take advantage of tax breaks to ensure you save enough for your retirement!
  • You need to top up your retirement savings now. While European developed countries are extending the retirement age to give them more time to accumulate cash, this isn't the case in South Africa.. Luckily, there's still a month to take advantage of the Finance Minister's annual tax breaks to boost your retirement savings. Here's how to use them to ensure you're making adequate provision for your r... ››› more
  • [29 January 2013]
  • Know your rights as a retirement fund member
  • If you sigh and throw away envelopes in the post from your retirement fund without reading them, you're missing out on crucial information. Brian Spanier-Marson, director of Mr Retirement, explains: “It's essential that you understand what's going on with your fund and have the knowledge you need to make changes if need be.” Read on to make sure you're preparing for your retirement properly. R... ››› more
  • [15 January 2013]
  • Know your rights as a retirement fund member!
  • If you sigh and throw away envelopes in the post from your retirement fund without reading them, you're missing out on crucial information. Brian Spanier-Marson, director of Mr Retirement, explains: “It's essential that you understand what's going on with your fund and have the knowledge you need to make changes if need be.” Read on to make sure you're preparing for your retirement properly. R... ››› more
  • [10 January 2013]


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