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Tag: retirement

No one is ever really ready for retirement. It’s so hard to know how to plan and what to think about.

However, it’s vital to have a plan. You need to know what you want and where you’re going. Things to do change though, and that’s okay. You can change your plan too.

These posts are all about retirement. How much you need to retire. How to plan for retirement when things are always changing. Retirement and divorce. What retirement means to you.

FIRE in South Africa

FIRE in South Africa

by Brendan7 September 20214 March 20223 Comments

If you're following any personal finance blogs and accounts, you've probably heard of the FIRE movement. That is, Financially Independent, Retire Early. You have probably wondered whether it's really possible to FIRE in South Africa as the bulk of the…

Read More FIRE in South Africa

Financial Freedom Budget, featured, Financially free, FIRE, retirement, rule of 25
What are blended annuities

What are Blended Annuities?

by Brendan16 July 202114 February 2022Leave a comment

Blended annuities – are they ‘just right’ for your retirement? A priority for South Africans approaching retirement should be to secure an income for life that at least covers essential monthly expenses (e.g. housing, food, water and electricity, transport, phone…

Read More What are Blended Annuities?

Investing plan, retirement
How to choose an annuity

How to choose an annuity

by Brendan15 June 202116 July 20211 Comment

Regulations require you to use at least two-thirds of your Retirement Fund to buy an annuity when you retire. An annuity is a product that provides you with a monthly retirement income or pension. The regulation applies to a Retirement…

Read More How to choose an annuity

Investing plan, retirement
How are retirement funds split in a divorce

How are retirement funds split in a divorce?

by Brendan11 June 202112 January 2023Leave a comment

Have you ever wondered what happens to a pension when you divorce? As ugly as divorce is, it happens. Many people assume that the money will simply be split "half half", but that not necessarily the case. It all depends…

Read More How are retirement funds split in a divorce?

Investing pension, relationship, retirement
Myths about retirement

4 Myths about retirement

by Brendan3 December 20206 February 2021Leave a comment

Retirement is an idea that’s deeply woven into the fabric of our culture. We all have the dream to retire, but, like everything, it didn’t always exist. It's an interesting concept and one that evolves through each generation. What retirement…

Read More 4 Myths about retirement

Investing retirement
Starting late to save for retirement

Starting late to save for retirement

by Journey Man30 October 202015 June 2021Leave a comment

Are you one of the many folk who are starting late to save for retirement? Wondering whether you may have left it too late in fact? You're not alone. I've got a story for you... This is the first of…

Read More Starting late to save for retirement

Financial Freedom, Late Starter retirement
Retirement planning

Retirement planning basics

by Brendan17 July 20204 September 2020Leave a comment

Sponsored by 10X Investments Retirement planning basics The idea of retirement may be scary, especially if you’re in your 40’s (or older) and haven’t given it too much thought up to now. Retirement means different things to different people though,…

Read More Retirement planning basics

Investing plan, retirement
What it means to retire

What it means to retire

by Brendan14 July 202015 June 2021Leave a comment

Few words in personal finance evoke as much fear, excitement and shoulder-shrugging as retirement does, and justifiably so. Let's take a closer look at what it means to retire. Getting old without getting poor For some, it’s the day you…

Read More What it means to retire

Financial Freedom, Investing retirement
Long term investment plan

Long term retirement plan

by Brendan12 April 202017 May 2020Leave a comment

Ever thought to retire like a tortoise? May sound silly but it's the idea of a long term retirement plan. Slow and steady wins the game. The difference between investing and speculating A fundamental principle to understand is the difference…

Read More Long term retirement plan

Investing long-term, retirement
Life annuity vs living annuity

Life annuity vs living annuity

by Brendan10 November 201921 June 20211 Comment

When reaching retirement, we’ll almost all be faced with the choice of taking either a Guaranteed Annuity (also known as a Life Annuity) or a Living Annuity. But what are they and what are the differences between a life annuity…

Read More Life annuity vs living annuity

Investing life insurance, retirement
Plan for retirement

“Just enjoy life” with no plan for retirement

by Brendan29 September 201927 May 20211 Comment

A work colleague was arguing the value of retirement planning. In essence, with life expectancy of around 70 years and a family history of various illnesses (eg diabetes, heart problems, etc) my friend feels it's pointless saving for retirement. Why…

Read More “Just enjoy life” with no plan for retirement

Save Money future value, retirement
Cashing out your provident fund

Tax implications of cashing out your Provident Fund

by Brendan19 June 20191 April 20212 Comments

It’s not uncommon to change jobs every few years and at the same time think of cashing out your Provident Fund. It seems like a great way to access some “quick cash”, but is it really worth it? First appeared…

Read More Tax implications of cashing out your Provident Fund

Investing provident fund, retirement, tax

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Taking charge of your money has nothing to do with how much money you have, but rather how and where you spend it. Are you in charge or is you partner, spouse or habits in charge? Do you feel like money simply flows out of your account, or are you in control of what is spent, and where?

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