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retirement planning

The estate planning benefit of retirement funds

The estate planning benefit of retirement funds

Retirement Funds are well understood for the income tax benefit in that contributions to retirement funds are tax deductible based on 27.5% of a person’s taxable income, capped on R 350 000 per annum.  Often overlooked is the estate planning benefit

mw@dmin January 23, 2020January 23, 2020 Retirement, Tax Read more

Retirement is a ticking bomb

Retirement is a ticking bomb

I fear the average South African is facing a ticking time bomb iro underfunded retirement as we continue to kick the proverbial can down the road until we are forced to deal with the reality of the situation and then

mw@dmin July 18, 2019July 18, 2019 Estate Planning, Retirement Read more

What does money really mean to you?

What does money really mean to you?

Establishing if you have enough for retirement is a fairly simple exercise of determining how much income you need to fund your lifestyle and then calculating how much capital is required to provide for this income using an assumed rate

mw@dmin August 16, 2018August 16, 2018 Retirement Read more

A more sustainable provision for retirement

A more sustainable provision for retirement

Living Annuities are currently under the spotlight and likely to be blamed for poor retirement outcomes.  However, this is like blaming traffic fatalities on the invention of the motor vehicle. Taking a step back living annuities have all but replaced

mw@dmin June 8, 2018June 8, 2018 Investment Strategies, Retirement Read more

Assess investment risk in retirement planning

Assess investment risk in retirement planning

The three risks underlying retirement planning is longevity, inflation and investment risk.   As a retiree you have no control over your longevity and the inflation risk.  If only we knew when our time was up planning would be easy.  Just

mw@dmin May 24, 2018May 24, 2018 Investment Risk, Investment Strategies, Retirement Read more

Financial advisors also act like preachers

Financial advisors also act like preachers

At gym the other day a local minister mentioned that he regularly read my article.   He questioned me on the difficulty of selecting a new topic each week.   His passing words were, “at least you know how we ministers feel

mw@dmin March 29, 2018March 29, 2018 Investment Strategies, Retirement Read more

Rational investors sit it out

Rational investors sit it out

For this week’s article I am going to ask you to pretend you are living in a make-believe world, which shouldn’t be too hard, just follow our supreme leaders example by living in denial until you believe your own lies;

mw@dmin November 23, 2017November 23, 2017 Investment Risk, Investment Strategies, Investor Behaviour, Retirement Read more

As a retiree, view your home as a ‘financial asset’

As a retiree, view your home as a ‘financial asset’

It is interesting to see how many people are beginning to look at their home as a retirement asset.  There are two reasons for this firstly the average person nearing retirement is under-funded, in some cases their homes are their

mw@dmin September 28, 2017September 28, 2017 Estate Planning, Personal Finances, Retirement Read more

Are portfolio and objectives in sync?

Are portfolio and objectives in sync?

If you do not want to erode capital in retirement your investment return must provide for both income and costs after inflation.  If you’re drawing 5% income and the underlying costs are 2.5% then your investment needs to earn 7.5%

mw@dmin June 22, 2017July 20, 2017 Investment Risk, Retirement Read more

The “double whammy” problem for future retirement planning

The “double whammy” problem for future retirement planning

In the good old days retirement planning was relatively simple.  Most people belonged to defined benefit company pension funds, which paid members a pension based on their total years of service and final salary.  Retirement age was usually 65, thus

mw@dmin May 5, 2016October 27, 2016 Estate Planning, Retirement Read more
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