Retirement Planning

Start your Retirement Planning now to secure a steady income for your future.

It's never too early — or too late — to start saving for retirement. The sooner you begin, the more you benefit from growth and compounding. Smart planning today ensures you can enjoy your later years with peace of mind.

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Why Retirement Annuities?

Retirement annuities (RAs) are not just long-term savings vehicles — they offer significant tax benefits under current legislation.

Tax-deductible contributions: Deduct up to 27.5% of your taxable income (capped at R350,000 per year).
Tax savings: Reduced taxable income means less tax paid each year.
Carry forward excess: Excess contributions can be carried forward to reduce future tax.
Tax-free growth: Growth inside an RA is not taxed, allowing faster accumulation.

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How Much Do You Need to Retire?

To maintain your lifestyle after retirement, you’ll likely need around 75% of your final pre-tax salary annually. Certain expenses drop (e.g. commuting, saving for retirement, children’s education), and tax rates typically lower after age 65 and again after 75.

A Simple Rule of Thumb

Aim to save at least 15 times your final annual salary to retire comfortably. Below is a breakdown of ideal savings at different career stages:

Years from Retirement	Target Savings
40 years to go	1 × your salary
30 years to go	2 × your salary
20 years to go	5 × your salary
10 years to go	10 × your salary
5 years to go	15 × your salary

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Take Action

Every year counts. Whether you're starting your first job or nearing retirement, I can help you choose the right retirement products, maximize your tax savings, and stay on track to meet your retirement goals.

Let's build your retirement strategy together.

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What Happens at Retirement?

When you reach retirement age (typically from age 55 onward), you can access your retirement savings. However, you don't receive the entire amount as cash. There are rules and choices designed to convert your savings into a lifelong income.

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Your Retirement Options

Here’s a quick overview of what you can do with your retirement savings:

1. Take a Lump Sum

You can take up to one-third of your retirement annuity as a cash lump sum.
The first R500,000 may be tax-free, depending on your withdrawal history.
The remainder is taxed according to SARS retirement tax tables.

2. Buy a Retirement Income (Annuity)

The remaining two-thirds must be used to buy a pension income. You may choose between:

Life Annuity

Provides a guaranteed income for life.
Options include spouse’s pension, guaranteed payment periods, and annual increases.

Living Annuity

You decide how much income to draw (between 2.5% and 17.5% per year) and control your investments.
Offers flexibility but requires careful management to avoid depleting your funds.

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Which One Is Right for You?

The best choice depends on your goals, lifestyle, and your appetite for flexibility and risk. I will guide you through tax planning at retirement, choosing the right annuity, planning for inflation and healthcare, and even leaving a legacy.

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Retirement Planning

Retirement Planning ensures you build a dependable income and maintain your lifestyle after work ends.

Start early with tailored strategies—pension funds, annuities, and tax-free retirement accounts—to grow your nest egg and benefit from compound returns.

Our advisors map out contribution schedules, asset allocations, and withdrawal plans, so you can retire with confidence and financial independence.

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