Are you on track to retire comfortably?
Most people we meet have saved something for retirement — a pension or provident fund through work, a retirement annuity, maybe some investments on the side. What they don't have is a clear answer to the one question that matters: will this be enough?
A retirement plan answers that question in plain numbers. We look at what you have today, what you're adding each month, when you'd like to stop working and what kind of lifestyle you want afterwards. Then we show you the gap — if there is one — and the practical steps to close it.
What changes in the last ten years before retirement
The final decade before retirement is when small adjustments have the biggest effect. Increasing contributions, using your full tax deduction on retirement annuity contributions, paying off debt and reviewing how your money is invested can all make a meaningful difference.
It's also when you need to think about risk. A sharp market fall the year before you retire hurts far more than one twenty years earlier. We help you balance growth with stability so your plans don't depend on luck.
The two-pot system and your retirement savings
Since September 2024, new retirement contributions are split between a savings pot you can access before retirement and a retirement pot that stays invested until you retire. Withdrawing from your savings pot can be tempting, but every rand taken out now is taxed and no longer growing for later. We'll show you what a withdrawal really costs before you decide.
Turning savings into an income
At retirement you'll choose how to turn your savings into a monthly income — usually a living annuity, a guaranteed life annuity, or a mix of both. Each has trade-offs around flexibility, guarantees and what's left for your family. We explain them simply and help you pick the option that fits your life, not a product shelf.
Our goal is simple: a written plan you understand, an income you can rely on, and a yearly review so the plan keeps up with your life.