The majority of South Africans do not retire financially independent and usually only discover this when its too late. Planning for retirement considers your required income at retirement in relation to your existing provision and quantifies any additional amounts that you must save in order to achieve your objectives. Pre-retirement planning allows you to decide at what age you can retire and whether your required income at retirement is reasonable in relation to your circumstances. We will recommend products or funds suitable for your risk profile and requirements should additional retirement savings be needed.
Once you have saved for retirement, you must invest your accumulated funds to provide you and your dependants with an income. Planning at retirement involves analysing your investments and considering the most tax-effective method of investing. We have access to a range of products, including guaranteed and flexible annuities, suitable for all needs and risk profiles. To advise you at retirement, we will gather enough information to analyse your situation and make recommendations suitable for you.
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