Spend your retirement in comfort and without worries. Start planning today.
Motivation is what gets you started, but healthy money habits will keep you going and help you recover from setbacks.
Our globally integrated advisory approach is all about understanding how we can help you make the best decisions, regardless of whether you are starting to save, are approaching retirement or are already retired.
RAs are ideal if you want to save on tax costs and boost your long-term retirement savings. They are particularly beneficial if you:
If you may need access to your money before you retire, there are certain restrictions.
TFIs enable you to save tax-efficiently through simple, low-cost, accessible investments.
With the tax-free contribution limit increase from R33 000 to R36 000 a year, now is a good time to make the most of the available tax benefits if you haven’t yet done so.
Click on these links to learn:
With both RAs and TFIs, you don’t have to pay income tax, dividends tax or capital gains tax on returns. As a result, you earn higher returns, as you don’t have to give up some of your returns for tax payments. You also get up to 27,5% of the amount invested into RAs back from SARS through an income tax deduction, which means you have more money to invest.
In addition to enhanced returns, RAs and TFIs also:
Endowments offer a tax-efficient and useful estate planning solution.
Beneficiary nominations can lead to potential savings on executor fees. Where a beneficiary has been nominated, payment of the death benefit does not depend on the winding up of the estate and beneficiaries will get their money relatively quickly. Liquidity is created in the estate and beneficiaries will get the proceeds.
Taking advantage of appropriate tax-efficient investments should form part of any considered wealth plan.
If you starting to save, are approaching retirement or are already retired – below are some videos that answer the following questions:
|Should you use your retirement annuity, tax-free savings or savings account to alleviate cash flow issues?||Watch here|
|Should you defer your retirement?||Watch here|
|How much is enough to retire comfortably?||Watch here|
|What is the difference between a living annuity and a life annuity?||Watch here|
|What should government employee pension fund members consider going into retirement?||Watch here|
|What are the implications of withdrawing from your retirement fund and how much should you withdraw?||Watch here|
|How to invest your retirement funds wisely.||Watch here|
|How do disallowed retirement fund premiums work?||Watch here|
|Are there benefits to investing in a retirement annuity when you are already retired?||Watch here|
|When should you move to a life stage growth portfolio prior to retirement?||Watch here|
|How much should you have saved for retirement by the time you’re in your 40’s?||Watch here|
|What you need to know about financial emigration and retirement.||Watch here|
|What tax-efficient investment vehicles are available to you?||Watch here|
|Which investment products can you hold within a tax-free investment?||Watch here|
|Tax-free investing for your children.||Watch here|
|What are the tax implications of death on your tax-free investment?||Watch here|
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