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Blended annuities

Safe, risky or danger - which retirement zone are you in?

Many pensioners invested in a pure living annuity run the risk of using up their retirement savings too soon, which could lead them to become a burden in their final years.

This article was published in Business Tech


Blended annuities – just right for your retirement income needs?

One way to better manage the higher risk of living annuities and the rigidity of guaranteed annuities is to use a blended annuity, a retirement income product that has the best of both in one.


Blended annuities – just right for your retirement income needs?

One way to better manage the higher risk of living annuities and the rigidity of guaranteed annuities is to use a blended annuity, a retirement income product that has the best of both in one.

This article also appeared on TAKE CHARGE OF YOUR MONEY


Best of Both: Life and Living Annuities

Gareth Stokes chatted to Just SA CEO Deane Moore about a pension funding solution that allows clients to incorporate aspects of both life and living annuities into a blended annuity solution. This article was first published on FA NEWS.


Blended living annuities – a just choice for retirees

A surefire way to secure a stable income in retirement is through a life annuity. But the biggest detractors from a life annuity are often the perceived lack of flexibility, as well as the belief that leaving a capital legacy for beneficiaries is not possible.

Historically, the inability to adjust income from a life annuity has led to many retirees self-insuring against running out of money and is the reason why many South African retirees opt for a living annuity.


Investing post-retirement: Not an ‘either-or’ proposition

We all tend to live in an ‘either-or’ world where we think we need to choose between two, often opposing, things or outcomes. Peanut butter or jam? Red or white wine? For simple things, this way of making decisions can work. But for more complex issues, such as investing your retirement savings, the either-or equation is too simplistic. Pricing Actuary Ryan Hultzer explains how retirement income annuities have evolved and no longer requires an either-or decision.


Retirement feature: Don’t rush investment decisions in times of uncertainty (radio interview)

Bjorn Ladewig, Longevity Actuary chats to Michael Avery on Classic Business about how your approach to retirement should be the same regardless of market conditions. Bjorn provides an explanation on some of the practical solutions available to protect your retirement income for life, and maintain some flexibility [audio].


Secure Your Retirement

The Money Show’s Bruce Whitfield interviewed Bruce Cameron, retired editor of Personal Finance about his new co-authored book “Secure Your Retirement”. The book unpacks the challenges facing pensioners, and explains how to avoid the pitfalls that cause pensioners to run out of money [audio].


Navigating annuities: making it easier to choose best pension plan

Business Day covers how blended annuities provide the certainty of a life annuity and the flexibility of a living annuity and allows you to 'top up' the life annuity within the living annuity later in life should your income needs increase. 


Benefits of Blending

With the cost of living constantly increasing, it’s very tempting to increase your drawdown rate when your anniversary rolls around. However, this can be very detrimental to your overall financial well-being. Read more on EBnet


What to look for in an annuity product

Just SA’s Bjorn Ladewig discusses choosing an annuity product at retirement with Simon Brown on MONEYWEBNOW [Audio at 13m30s] 


The Benefits of Blending

In their August magazine, FA NEWS published an article outlining the relatively new annuity option that enables a higher sustainable drawdown with less associated risk. When comparing current market solutions, Just shows how pensioners could increase their monthly income by 25% by purchasing a new-generation with-profit life annuity, rather than a traditional living annuity. However, in return for this higher lifetime income, they do need to forego the flexibility of how much they can draw. Read the full article for more detail.