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Saving For Retirement

  • 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]
  • Planning for your retirement? Here's what a retirement annuity offers you…
  • 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
  • [27 January 2016]
  • How to put your tax-free savings account to use for retirement
  • 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
  • [22 October 2015]
  • Planning for your retirement? Here are five options to consider…
  • 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
  • [19 October 2015]
  • Retirement planning: Using endowments to help fund your retirement
  • 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
  • [16 October 2015]
  • Preparing for retirement: Is a retirement annuity for you?
  • A retirement annuity is a popular way to save for your retirement. Since their launch in 1960, many people use them as a way to save for their later years as retirement annuities come with tax benefits. So how does a retirement annuity work? Who are retirement annuities for? And what are the benefits of using a retirement annuity for saving for retirement? Read on to find out... How... ››› more
  • [06 October 2015]
  • How best to prepare for retirement
  • It's probably not a surprise to learn that many South Africans haven't adequately prepared for retirement and have little or no savings. Saving for retirement is something that you need to do. How else are you going to support yourself when you're older? You may think you don't have enough money to save towards retirement, but chances are you do. Read on to find out more… Stop was... ››› more
  • [03 September 2015]
  • Preparing for retirement: How to attain financial freedom by saving R1,900
  • Your financial aspirations may differ from your friends or family. But one thing you'll no doubt have in common is you want to build a solid financial backing, especially by the time you reach retirement. Having a solid financial backing gives you independence and peace of mind. So how can you achieve financial freedom by the time you retire? Read on to find out… How much you need... ››› more
  • [06 August 2015]
  • Are you on track to meet your retirement savings goals?
  • Once you know how much money you need in your retirement savings when you stop work, have you checked if you're going to achieve it? And what is the best way of checking? Read on to find out… Are you saving enough for retirement? Once you know how much money you need in your retirement savings (read this article if you don’t), it’s vital to check you’ll achieve this goal. ... ››› more
  • [17 June 2015]
  • Are you on the right track with your retirement planning?
  • Depending on how close you are to retirement and what you wish to do during the golden years, you can be on the right track or not. Planning for retirement means looking out for yourself. You can't rely on state pensions and employer benefits if you want to live comfortably during retirement. You need to take charge of your retirement by saving regularly and investing at your own comfort level... ››› more
  • [24 November 2014]
  • Excuses that keep you from saving for retirement
  • Are you knowingly neglecting saving for retirement? Do you often feel guilty about it, but your behavior remains the same? If you find yourself with almost no retirement savings whatsoever and feel that time is not on your side, then it's time to analyze your behavior and stop the excuses that are keeping you from saving. How do you justify your lack of effort? You may find that the followin... ››› more
  • [11 November 2014]
  • Three crucial retirement mistakes to avoid
  • Retirement is a process that requires adequate planning. For many, retirement planning is not a priority, especially not in their younger years. But failure to plan ahead and, more importantly, save enough for retirement can cost you dearly. Soon-to-be retirees cannot afford to make any mistakes when it comes to planning for their future since time is not on their side. To avoid feeling overw... ››› more
  • [04 November 2014]
  • Retirement savings: What to do if you're running out of time
  • You know what they say: the sooner you start saving for retirement, the better off you will be in your golden years. What happens when you feel like you are running out of time when it comes to saving for retirement? When time is not on your side, you have to take immediate action.   You may need to rethink your entire retirement planning. For instance, if you had planned on retiring at ag... ››› more
  • [31 October 2014]
  • Are you saving enough for retirement?
  • How do you know if you're saving enough for retirement? That's a tough question to answer. Because no one can tell you how much you need to save - it largerly depends on your lifestyle, current income, and on your future plans for retirement. One thing is for sure: most people postpone saving for retirement, thinking they will have plenty of time to save later, and instead focus on living well ... ››› more
  • [23 October 2014]
  • Five retirement planning mistakes to avoid
  • Planning for retirement can become quite frustrating at times, especially if you start saving late or can't afford to save enough each month. However, you can always play catch up on your savings and you can make sure you don't make the following five mistakes that could ruin your retirement plan. Retirement mistake #1: Withdrawing money from your retirement account   If you’re in despe... ››› more
  • [03 October 2014]
  • How to make your retirement nest egg last longer
  • Everyone wants to retire comfortably, but many people get stuck somewhere along the way. Saving enough for retirement takes time, discipline, and sacrifice. Once you've managed to save enough to live comfortably during retirement, another problem emerges: being able to stretch out your retirement savings so you don't run out of money. Many retirees are faced with a dilemma: how much of t... ››› more
  • [24 September 2014]
  • How to plan for retirement at any age
  • Planning for retirement is something that should be on everyone's mind. However, most people don't think about retirement until they're in their 40s or 50s. How should you plan for retirement depending on your age? Here are the most important aspects to consider. In your 20s   When you’re in your 20’s, planning for retirement is on the bottom of your list. But if you want to get a hea... ››› more
  • [19 September 2014]
  • How much money do you need to retire?
  • Many people are clueless when it comes to their retirement savings. They don't know how much money they should save and they keep postponing retirement savings for the future, without considering the consequences. How can you figure out how much money you need to save for retirement? Start by determining your current monthly expenses and your net worth. You need to know how much money you’r... ››› more
  • [17 September 2014]
  • Five simple tips to boost your retirement savings
  • If you don't plan for retirement, it will take you by surprise. There was a time when retiring was much simpler and you didn't have to worry about not having enough money to support yourself during retirement. But those times have changed. Now you have to start saving for retirement as early as possible, preferably in your 20's, if you want to enjoy the benefits of retiring comfortably. Wheth... ››› more
  • [05 September 2014]
  • Five retirement catch-up strategies for late starters
  • If you're quickly approaching retirement but feel you don't have nearly enough money to cover the costs that come with it, there's no better time to take action than today. What you do today can either consolidate your future or destroy it. Maybe you haven’t been able to save enough money for retirement because you’ve had many other urgent expenses, have gone through career changes and j... ››› more
  • [03 September 2014]
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