Income Sustainability Maps

FOR FINANCIAL ADVISERS

Just SA’s Income Sustainability Maps provide a visual overview of a living annuity client portfolio. It can plot retirees by age and current drawdown percentage to assess the sustainability of their retirement income. They overlay two key benchmarks: annuity rates from Just Lifetime Income (JuLI) by age, and the FSCA’s draft recommended drawdown rates for living annuities by age.

This overlay divides the maps into three zones:

• Safe Zone: Retirees who have a sustainable drawdown and can remain in a living annuity.

• Risky Zone: Retirees who are at risk of unsustainable income. A blended annuity can improve sustainability without reducing your drawdown. 

• Danger Zone: Retirees who face a high risk of running out of money. A guaranteed life annuity can eliminate this longevity risk. 

The maps serve as a diagnostic tool to match a problem with a solution. This approach can be used to ensure your clients' retirement income plan is financially sustainable, even if they live well beyond the average life expectancy. 

Our web tool is still in the final development stage, but you can view a demonstration below. If you would like us to notify you once it is live, please email us at info@justsa.co.za.