Investors come to a balanced fund because they want growth
The idea is to get South Africans to save, but it’s best to do your research first to find out if a TFSA is really suited to your needs
New offering has all the retirement annuity features, but charges rock-bottom fees
Fewer than 50% of the respondents were aware of how much money they could expect at retirement
New middlemen mean today’s investors are paying more fees than previous generations
Retirement industry stakeholders can improve both the country’s retirement and socioeconomic conditions
Obeying the 4% rule is not always enough to ensure your savings last through retirement
Small differences in fund management fees can be an investment killer in the long term
A living annuity is a popular retirement choice but it has to be carefully managed
Restructuring the way we save for retirement could halve our costs and a new model that changes preservation rules will dramatically reduce charges.
The treasury’s new adviser, David McCarthy, wants to counter threats to the retirement industry, writes Maya Fisher-French.
Compulsory fund preservation and simplifying products are among the options highlighted in the treasury’s discussion document.
Those facing retrenchment or retirement can look forward to better tax breaks from this year.
Beware of throwing the baby out with the bath water. Don’t short change your retirement because you are unhappy with your adviser.
Dust off your retirement annuities, scrape away the wrapper and take a long look at the underlying investments, says Imara Asset Management.
At worst the market will give you a return 5% above inflation in the long-term, yet 95% of fund managers have failed to match this.
Where should I invest my lump sum to provide an income in retirement?
Use the opportunity to rebalance your portfolio but not to chase returns.
You are taxed on the growth when you cash in, so you need to do your maths carefully. But higher contributions due to tax breaks makes a difference.
How R50 a month turned into R630 000.
