Comprehensive retirement investment intelligence for SA investors
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Will Your Retirement Savings Last as Long as You Do?
Use our free retirement income and annuity calculator to find out. See how your investments could grow, test different retirement scenarios, and compare conservative and aggressive strategies. Discover how small changes today could make a big difference to your retirement income tomorrow.
Investing for the long term
Pension Fund Rules vs the Law: What Overrides What
Every retirement fund runs on three layers of rules: the Pension Funds Act, the regulations made under it (including Regulation 28), and the fund's own registered rules. Trustees then apply those rules with some discretion. When the layers disagree, one wins. This...
Retrenched? What to Do With Your Retirement Fund
Losing your job is stressful, and your retirement fund is often the only large sum of money in reach. Before you touch it, you need to know three things: how the way you leave changes the tax, what the two-pot system lets you take, and what a quick cash-out costs you...
Retirement Fund Death Benefits: How Section 37C Decides Who Gets Your Money
When a member of a pension, provident, preservation or retirement annuity fund dies, the money does not go where the member's will says. It is allocated by the fund's trustees under Section 37C of the Pension Funds Act. Two recent court rulings have changed how that...
Compulsory Annuitisation and the R360,000 Small-Balance Rule
Most retirement savings in South Africa cannot all be taken as cash. When you retire, part of the money must buy an annuity, which pays you an income instead. There is one exception for small balances, and it was raised in 2026. The rule is easy to get wrong, because...
Retirement Fund Types Compared: Pension, Provident, Preservation and RA
South Africa has four main kinds of retirement fund, and people often hold more than one without knowing which is which. A pension fund, a provident fund, a preservation fund and a retirement annuity (RA) all save towards retirement. They differ in who can join,...
Divorce and Your Retirement Fund: The Dates That Matter
On 9 October 2026 the Constitutional Court changed who can claim a share of a spouse's pension in divorce. Most coverage focuses on which marriages are affected. This guide takes a different route. In a divorce, your retirement fund is shaped by a small number...
Provident Fund Rules: What Changed on 1 March 2021
For decades, a provident fund member could retire and take the whole amount as cash, while a pension fund member had to put at least two thirds into an annuity. That difference ended for most members on 1 March 2021. If you are close to retirement and belong to...
Two-Pot Retirement System: How It Works
Since 1 September 2024, new contributions to most South African retirement funds are split into separate pots. One pot can be accessed before retirement. The other cannot. If you are within a few years of retiring, you need to know which of your savings sit in which...
Why Ray Dalio Says Investors May Need to Turn Wealth Into Cash
Ray Dalio, the founder of Bridgewater Associates and one of the world's best-known investors, has recently warned that financial markets may be approaching a dangerous combination of rising interest rates, excessive debt and a possible artificial intelligence...
Stanley Druckenmiller: The Investor Behind the 30-Year Record, and What Retirees Can Learn From Him
Stanley Druckenmiller is one of the most closely studied investors alive. He ran money for three decades, worked beside George Soros during the famous 1992 attack on the British pound, and closed his fund in 2010 with a record that his admirers call unmatched. He also...
Medical Aid in Retirement: Downgrading, Hospital Plans and Gap Cover
What You Will Learn From This Article Why medical aid is the retirement cost most likely to outrun your income The one mistake that can cost you 75% extra on your contributions for life: letting your cover lapse How to downgrade your plan safely, and why going back up...
Living Annuity Asset Allocation: How to Invest So Your Income Lasts
What You Will Learn From This Article Why a living annuity has no investment limits, and why that matters How your drawdown rate and your asset allocation work together What the research says about growth assets and offshore exposure, and who produced it Three...