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
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...
What Is a Living Annuity? How It Works, What It Costs and What Changed in 2026
What You Will Learn From This Article When you must buy an annuity, and when you can take cash instead How the 2.5% to 17.5% drawdown limits work, and what retirees actually draw When you can withdraw the whole balance, including the new R150,000 limit How the income...
Where to Retire in South Africa: What the Coastal Dream Doesn’t Tell You
What You Will Learn From This Article Where wealthier South Africans are actually retiring to, and the real numbers behind the trend The genuine reasons people give for leaving, beyond the usual assumptions about crime and governance Why a documented share of people...
Your Retirement Annuity If You’ve Left South Africa (or Are Planning To)
If you emigrated from South Africa some years ago, or you're weighing it up now, a lot of what you've heard about accessing a retirement annuity (RA) from abroad is out of date. "Financial emigration" as a process no longer exists. The rules now run through SARS and...
Living Annuities: Who They Actually Suit, and When a Guaranteed Income Makes More Sense
A living annuity is the more popular of the two main ways to turn retirement savings into an income, and for good reason: you keep control of the underlying investments, you choose how much to draw each year, and whatever is left when you die can go to your family...
What Is a Guaranteed Annuity, and Is It Right for Your Retirement?
When you retire from a pension fund, provident fund, or retirement annuity in South Africa, at least two-thirds of the proceeds generally has to be used to buy an annuity, an income for the rest of your life. You have two broad choices for that income: a living...
Situs Tax: The Hidden Cost of Owning Foreign Assets That Could Cost Your Beneficiaries Dearly
What You Will Learn From This Article What situs tax actually means, and why owning US shares directly can expose your estate to a tax most South Africans have never heard of Whether South Africa's tax treaty with the US actually helps, and how much How South African...