2018

Longevity and health are major obstacles in SA’s retirement crisis

Published Date: December 2018

Retirees need to plan proactively for living longer – and the possibility of reduced mental capacity.

 

Medical underwriting in retirement can smooth the road to recovery

Published Date: October 2018

If you have breast cancer you could qualify for a higher retirement income, making the financial implications of the disease one less thing to worry about.

 

Dementia is on the increase in South Africa – leaving retirees vulnerable

Published Date: September 2018

Dementia can creep up by stealth and rob you of your financial security in retirement. Here’s how to protect your retirement income should you face cognitive decline.

 

How a voluntary purchase annuity can save you tax in retirement

Published Date: September 2018

Consider tax when choosing an income vehicle in retirement. Compared to unit trusts for example, a tax-efficient annuity can help to provide you with the highest possible income.

 

Women: How to take control of your financial destiny

Published Date: August 2018

Low retirement savings, longevity, death of your spouse or divorce – as a woman, these are the things that could leave you destitute in retirement. You need to have a plan.

 

Smoothing out market volatility to sustain retirement income

Published Date: June 2018

Can you afford to be exposed to highly volatile markets in retirement when you are dependent on that same investment vehicle to provide you with stable income?

 

How much is JustEnough for elderly care?

Published Date: May 2018

Staying in your home and hiring private care for ill-health in retirement could cost almost twice as much as accommodation in a retirement village.

 

How much is JUSTENOUGH to ensure health for all?

Published Date: April 2018

Giving people access to healthcare without the prospect of financial hardship is the key message behind World Health Day that is celebrated on 7 April every year. The World Health Organisation (WHO) wants countries to invest in ‘Health for All’, which is their theme for 2018. By investing in health care and financial protection, someone’s health (and hence life expectancy) and lifestyle can improve.

 

Budget Review – why are retirees so badly off?

Published Date: February 2018

The 2018 budget will place increased pressure on retirees’ disposable income because of income tax bracket creep. Simply put, inflationary annuity income increases may have pushed some middle to high income earners into a higher tax bracket.

 

Are trustees setting up their members for failure?

Published Date: February 2018

Many trustees are establishing default annuity strategies which inadvertently set up their members for failure by giving them little to no guidance about the sustainability of their income in retirement and by not providing an option to secure a guaranteed Lifetime Income.