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… But does it matter?

Why it's important to have a life plan and a team that can support you during challenging times.

It's alarming how often employees know very little about these funds.

A look at 12 key areas you need to balance to ensure a fulfilled and successful retirement transition.

A look at the contributing factors that increase the risk of capital depletion and how to mitigate these.

The complexity of the concept of money can be simplified by two aspects – technical and psychological. Two sides that can also break down retirement.

While SA’s challenges may encourage offshore investment, be careful not to be on the wrong side of the curve when SA’s situation improves.

An unexpected element of retirement is that a couple may not have the same plans or outlook for retirement, leading to conflict and growing apart.

Offshore exposure in these funds should be approached differently than in voluntary investments.

The truth is that the desire to live a life of significance never ends, even in old age, and this is how to keep your mind and body going.

A healthy mindset can help us see that reaching retirement doesn’t have to mean being frail and old, but rather as the privilege of being vital and healthy for longer.

A look at some factors to consider.

A look at the importance of positive psychology.

Why it's important to look beyond the money when preparing for this life stage.

There are common criteria that apply across the board to ensure that you enjoy your retirement.

Financially, emotionally, psychologically and physically.

As much as things are different today, they remain the same as yesterday.

This can be problematic …

Unpacking mistakes 11 to 20.

By avoiding some very basic mistakes that are often made, returns can be improved, and investment anxiety can be reduced.

This stage of your life may be very different from what you envisage it to be.

Planning your time in retirement is as important as financial planning in retirement.

There are a few factors to consider.

One must be mindful of the conditions that render them 'non-taxable'.

A message about the importance of communication and preparation...

A look at some real-life scenarios that all families need to discuss and respect.

This is the time to buckle down and tackle the last stretch tactically, practically, and realistically.

Retail bonds are fantastic for a five-year investment strategy if you can reduce the tax created.

It depends on how much monthly income you will require in retirement and how much you want your loved ones to inherit the day you pass on.

Rebalancing can be done systematically or strategically, but it must be done with purpose to keep the allocated target weights in balance.

And who holds the trump card?

Statements suggesting this are both misleading and plain B S …

The more you need to earn in retirement, the larger your investment amount must be.

Manage these well and you will be assured of a secure retirement.

The last three years have dealt a fair number of low blows to investors. In fact, the last five years have provided turbulent times and disappointing returns on a wide scale for everyone outside the US, and in SA this period can be extended way past the five-year period… Have the winds finally changed from

Have you ever considered the impact of compound interest in a negative way?

What must we be mindful of in 2023 and what are the opportunities? 

Portfolio construction today is more important than ever.

Investors wrongly believe that Buffett’s investment philosophy is one of vast diversity and broadly owning the market.

A look at the main concerns of investors.

How do you adjust portfolios to benefit from prevailing inflation and interest rate cycles irrespective of which way they are trending?

An explainer of how some of the larger managers charge performance fees and what impact fees have on investment returns.

A kickstart we desperately need!

Over the past week, there was a report and an interview by another publisher with London-based fund manager Sean Peche who delved into fees and in particular performance fees raised by some large South African fund managers. Although the comments were made in general, special attention was given to balanced funds. The views of Sean

How do these bonds shape up over periods longer than five years and how safe are they?

Since the GFC, growth style investing dominated. This has started to revert to the value style investing and it is expected to continue with this pattern.

Don't let the noise cloud your vision and entice you to deviate away from basic investment principles.

A look at some of the positive milestones SA has achieved.

It depends on the level of income that you draw against the investment value.

Too much savings in retirement funds and too much emphasis on your primary residence can lead to future hardship…

Be prepared for higher levels of volatility in so-called low-risk funds. The 60/40 conundrum.

There comes a time to buy and a time to sell…

The only asset class that benefits from higher interest rates is cash.

It is important to let people know exactly how you wish to be treated after your death.

And that is not necessarily a bad thing…

Do you feel lucky going forward?

Property is a great diversifier in a portfolio. However, like any asset, be mindful of the price you pay for it.

For those who battle to remain sane during trying times, contracting a suitably qualified financial planner may be preferred.

Retirement can be very traumatic, but it does not have to be and fortunately for many retirees it is not.

By using a combination of active and passive fund managers one ends up with the best of both worlds.

A guide to assist you in times of uncertainty caused by life changes or any other eventuality.

To minimise volatility within a living annuity a suitable amount of capital must always be retained in the currency that you live in.

Seven questions you need to ask to understand your fund better.

In order for conservative investors to reach their long-term investment goal, they will have to invest more than a person who is willing and able to accept higher levels of volatility.

Financial planning should be all-encompassing and take all your assets and sources of income into consideration.