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Just in the Media

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.


Careful tax planning can help you stretch retirement savings

Soon-to-be-retirees have many options to consider to ensure their retirement and discretionary savings work best for them in retirement. If you have diligently saved for retirement, you don’t pay income tax on contributions paid into a retirement fund or retirement annuity, nor on the investment build up within these retirement vehicles. But when you retire and start taking the money out, it will be taxed as income. This article also appeared in BUSINESS TECH


Risks in retirement are increasing - but you don’t have to tackle them alone

Risks in retirement are not new but may have been exacerbated with the COVID-19 pandemic and its effect on lifestyles. Yet there are some practical steps that you can take to best achieve health and wealth in retirement, regardless of market conditions.  


Impact of lower salary increases on retirement savings

This MOONSTONE article is adapted from a recent article by Product Actuary Twane Wessels. She says salary increases have been trending downwards for several years, and the COVID-19 pandemic has further added to the negative growth as many South Africans experienced wage freezes and zero increases. The lower your increases, the lower your contributions to your retirement fund will be, and the less money you have invested to capitalise on any investment growth. 


Lower salary increases mean less retirement savings

What effect can a zero percent increase have on your retirement savings? As contributions to employer pension or provident schemes are based on a percentage of your salary, the answer is clear. The lower your increases, the lower your contributions to your retirement fund will be, as well as the amount of your employer’s contribution. And the less money you have invested to capitalise on any investment growth. This article also appeared in COVER and FA NEWS


COVID-19 has led to increased risk aversion among retirees

People are still concerned about the risk that they will live longer than they have anticipated and outlast their savings, says a MONEYWEB article featuring insights from Just SA CEO Deane Moore. 

The article covers content shared at the recent 50plus-skills webinar on mental, physical and nutritional health for the 50+ community, proudly sponsored by Just SA. We also shared some results from our 2020 Just Retirement Insights, together with some practical steps to take to secure at least a portion of your retirement income.


With-profit life annuity increases comfortable beat inflation

MONEY MARKETING focused on the benefits of a with-profit annuity in their February digital magazine (page 28). Since its launch in 2015, Just has focused on enhancing the features, transparency and performance of with-profit annuities in South Africa for the benefit of pensioners and advisers. With-profit life annuities offer retirees an income for life, which will never reduce regardless of what happens to investment markets or how long a retiree lives.


With-profit life annuity increases comfortably beat inflation

Retirement income specialist Just announced 2021 with-profit annuity increases that comfortably beat inflation, benefitting pensioners with a much-needed boost to their retirement income.


With-profit annuities ­– a ‘just’ choice for many retirees

Research shows that one of the most important needs in retirement is to generate an income to cover expenses for life. Consider a solution that mitigates the risk of running out of money much earlier than planned. This article was published in the You’ve Earned It/YEI - the website for South African over-60s.


Stephen Cranston | Retirement day blues

"There have been some interesting recent surveys of people’s expectations of retirement," says Stephen Cranston in his latest FINANCIAL MAIL article. He covers findings from Just's 2020 Retirement Insights as well as 10X's Retirement Reality report. [Subscription required]


Risk aversion in retirees during uncertain times

MOONSTONE covers the key findings of Just SA’s latest tracking study. Retirement Insights 2020 reveal the knock in confidence suffered by South African retirees and pre-retirees as a result of COVID-19, which has altered their views on the best way to invest their retirement savings. This year the “lite” tracking study specifically assessed the impact of COVID-19 on retirement planning.


Bruce Cameron | Retirement Insights

Bruce Cameron unpacks the key findings from the latest Retirement Insights, a study targeting retirees and pre-retirees over 50 years old across a range of colour, gender, income groupings, working or retired, education levels, language and marital status. Just SA normally bring out its research every second year, but this year, because of the virus, that has brought out a “lite” edition, to assess the impact of COVID-19 on retirement planning. The article first appeared on FIN24. [Subscription required]