Pre-Retirement Planning

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Pre- Retirement Planning

This is aimed at clients approximately 5 – 15 years from retirement, who want clarity on whether they are saving enough and how to structure their retirement funds.

Pre-retirement planning focuses on turning scattered pensions and savings into a clear roadmap for life after work. This includes retirement annuity advice, pension preservation when you change jobs, and structuring retirement funds in South Africa in a tax-efficient way. We look at how much you need to contribute, how long you have to do so and how to balance growth and risk so that your pension, retirement annuities, tax-free investments and preservation funds all work together towards a secure retirement.

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Pension funds, retirement annuities and preservation strategies

Consolidating or preserving existing funds and ensuring new contributions are directed to appropriate retirement vehicles

Tax-free investment benefits

Making use of tax-free investment allowances where suitable as part of your overall retirement strategy

Contribution planning aligned to your career stage

Calculating realistic monthly or annual contributions required to reach your target income in retirement

Projection of retirement income requirements

Projecting likely expenses, inflation and income so you can see whether you are on track

Avoiding common pitfalls

Such as stopping contributions, cashing out retirement savings when changing jobs, or taking on inappropriate levels of investment risk