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What if You Live Longer Than You Thought You Would?

We spend our whole lives planning for retirement. While nurturing our nest egg, we worry about short-term risks. Things like wars, elections, interest rates, leaking roofs and tax breaks.

But how many of us stop to consider the prospect of living to 90 or 100? People are living longer than ever before. But most of us don’t pay enough attention to longevity when planning for retirement. Read on for some tips on how to have a long and happy retirement.

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The “Grey Zone”: It’s Time to Redefine Retirement

Retirement has long been seen as a binary switch: you worked until 60 or 65, and then shuffled off to live off your pension.

But so much has changed. Economic shifts, increased longevity, and the “fractionalisation” of the workplace have birthed a new era: The “grey zone”. In this article, we explore why it’s time to look at retirement in a completely different way.

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The 25x Rule: Busting the Myth of the Magic Number

For decades, South Africans have been told to use a simple formula to figure out how much money they will need in retirement: multiply their annual expenses by 25.

But retirement is different now. People live longer. Inflation is less predictable. The markets are less stable. And the way people spend money is changing.

Read more to learn how we can help with this process.

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Evolving Wealth Part 3: Gen X, Risk Averse but Quick to Adapt

Born between 1965 and 1980, Gen Xers have lived through times of economic turmoil, making them the first living generation to be worse-prepared for retirement than their parents. But they’re also equipped with some financial planning superpowers: they think on their feet and never take anything for granted.

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Burgernomics: Decoding Currency Values with the Big Mac Index

The Big Mac Index, created by Pam Woodhall and first published in The Economist in 1986, offers an easily digestible way (pun intended) to assess currency values and the purchasing power parity (PPP) between countries. Comparing the price of a McDonald’s Big Mac in different currencies gives a basic snapshot

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Why You Should Keep Your Investment Strategy to Yourself

Everybody knows somebody who’s always eager to talk about their latest, best investment. But is it a good idea to share your investment strategy at your book club or around the braai? In this article, we look at why discussing your financial plan with others runs the risk of being

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Aligning Your “Wheel of Life” – A Beginner’s Guide

As your wheel of life turns, your financial needs, goals and focuses change. In the early years, you’re absorbed by accumulating assets. Then, the focus shifts to wealth preservation. And eventually, the transfer of wealth becomes your number one priority. No surprise, then, that each of these stages requires its

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Busting the Post-Retirement Jargon

You spend your whole life planning for your retirement, getting your head around the pros and cons of the various retirement investment vehicles. And then you turn 65 and there’s a whole new world of products to familiarise yourself with. This nifty guide will help you navigate the essential post-retirement

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Why the Marshmallow Effect Could Derail Your Retirement Plans

The “marshmallow effect” gets its name from a fascinating 1960s experiment which used marshmallows to test preschoolers’ ability to delay gratification. In financial planning, delayed gratification means resisting the temptation to spend money immediately and instead saving or investing for future benefits. This article explains how to measure your ability

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How Elections May Impact Markets in the Months Ahead

South Africa’s momentous elections will impact financial markets for months to come, we just can’t predict how. Even if an investor-friendly coalition is agreed in the next week, you can still expect plenty of ups and downs. Foreign investors may dip in and out based on their risk appetite, but

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Demystifying Retirement Planning Lingo

Being able to retire comfortably is the ultimate goal. But getting there will require familiarising yourself with a few different financial vehicles. What’s the difference between a pension fund and a provident fund? And how will the two-pot system change things?   Read on for a primer on some of

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What if You Live Longer Than You Thought You Would?

We spend our whole lives planning for retirement. While nurturing our nest egg, we worry about short-term risks. Things like wars, elections, interest rates, leaking roofs and tax breaks.

But how many of us stop to consider the prospect of living to 90 or 100? People are living longer than ever before. But most of us don’t pay enough attention to longevity when planning for retirement. Read on for some tips on how to have a long and happy retirement.

READ MORE
The “Grey Zone”: It’s Time to Redefine Retirement

Retirement has long been seen as a binary switch: you worked until 60 or 65, and then shuffled off to live off your pension.

But so much has changed. Economic shifts, increased longevity, and the “fractionalisation” of the workplace have birthed a new era: The “grey zone”. In this article, we explore why it’s time to look at retirement in a completely different way.

READ MORE
The 25x Rule: Busting the Myth of the Magic Number

For decades, South Africans have been told to use a simple formula to figure out how much money they will need in retirement: multiply their annual expenses by 25.

But retirement is different now. People live longer. Inflation is less predictable. The markets are less stable. And the way people spend money is changing.

Read more to learn how we can help with this process.

READ MORE
Evolving Wealth Part 3: Gen X, Risk Averse but Quick to Adapt

Born between 1965 and 1980, Gen Xers have lived through times of economic turmoil, making them the first living generation to be worse-prepared for retirement than their parents. But they’re also equipped with some financial planning superpowers: they think on their feet and never take anything for granted.

READ MORE
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