Pension funds fall into a different category of your estate when you die and any surplus amount in your pension fund on your death can not be bequeathed to anyone as with other assets. Pension funds in your estate must be distributed to your dependents or those who relied on you as a breadwinner on your...

Living annuities are income products to provide an income after retirement. Living annuities are more flexible than other retirement funds in that amounts ranging from 2.5% up to 17.5% can be withdrawn annually from the the value to cater for income needs. Another key benefit of a living annuity is that...

It is vital for anyone with assets to have a last will and testament. The consequences of an invalid last will and testament mean that you will have died intestate, leaving the distribution of your assets in the hands of the courts and could leave your beneficiaries without financial assistances for...

The goal of retirement planning and a good retirement planner is to help you accumulate a sufficiently large amount of capital and investments to support you through the balance of your life in the lifestyle you are accustomed to. In order to achieve this, a retirement planner will need to understand...

Planning for retirement should begin as soon as possible, be it initially through savings accounts, progressing to lump sum investments and monthly retirement policy contributions. Retirement planning essentially involves the accumulation of capital in the form of fixed assets and lump sum investments...

Retirement annuities are designed to supplement retirement benefits from company pension funds or for self employed people wanting to plan for their retirement. For people in their own businesses where earnings may be irregular, retirement annuities are an excellent way to plan for the future in that...

There are various bodies that either govern the manner in which retirement and pension funds are administrated with the aim of protecting the contributions. These bodies are there to protect you as a contributor to a fund and to govern the manner in which fund administrators conduct themselves. You,...