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Deciding when to retire is a complex process that involves multiple financial and personal factors.

This analysis provides a detailed assessment of your financial health, helping you make informed decisions about your retirement.

Most investment professionals agree that, although it does not guarantee against loss, diversification is the most important component of reaching long-range financial goals while minimising risk as explained in this short video animation.

Determining how much is enough for retirement involves careful planning, realistic goal-setting, and regular review.

Recognising the powerful influence of these emotions can help investors avoid common pitfalls and achieve their financial goals more consistently.

Advisors can help clients navigate the emotional aspects of financial decision-making.

Financial advisors play a crucial role in guiding clients through the complexities of long-term financial planning. 

Financial advisors can be indispensable allies in navigating the intricate landscape of investment risks.

Personalised financial planning by financial advisors is essential for creating tailored financial solutions that address individual goals, maximise opportunities, and adapt to changing circumstances.

The professional expertise that financial advisors bring to the table is invaluable in helping individuals navigate the complexities of financial planning and investment management.

Pivotal reasons why enlisting the expertise of a financial advisor is paramount.

This ratio can vary significantly depending on your lifestyle, expenses, and the income you're accustomed to while working.

The short answer to how much you need for retirement and to ensure a financially secure future is: as much as possible. The real answer is much more difficult!

Retirement annuities offer numerous tax advantages and are powerful tools for estate planning.

Here's why.

All lump-sum withdrawals from tax-incentivised savings are taxed on the same basis, less any tax on the previous lump sums

There is no perfect formula that would be right in all cases.

A look at why this book is an absolute necessity for individuals.

The short answer is as much as possible. The real answer is much more difficult...

There are 10 threats that can derail even the best-laid retirement plans in South Africa.

Before you join the gym or start your diet, have your overall finances analysed by a properly qualified certified financial planner.

The first step to becoming financially independent and wealthy is to know yourself.

When you are in retirement and withdrawing capital on a monthly basis, the sequence of returns becomes a significant risk.

Here's how women can improve their financial position in retirement.

The investment growth at a rate better than inflation, combined with the added tax benefits, make retirement funds the best investment you will ever make.

This tool may be used to easily determine a member’s estimated tax liability.

See how you're progressing towards your goals and identify any specific areas you might need to focus on.

The government has been progressively reforming and restructuring the savings and retirement legislative framework.

The festive season is a time to take stock and reassess your plans, policies and will. Here are some of the must-do items to prepare for any crisis in the future.

In times of a financial crisis, there are a number of rules to follow to mitigate the effects of the crisis and to assist when coping with a suddenly added burden. In this article, we follow on the previous one on how to prepare for a crisis.

The last two years have brought about a crisis for many pensioners. Some have braved the storm and others have panicked and made poor choices with their investments. We look at some of the dos and don'ts when it comes to a crisis.

In this second instalment on the threats to a secure retirement, we look at other factors that could hamper your opportunity to retire with a secure and adequate pension.

Everyone longs for a financially secure retirement. But there are many risks and pitfalls that could jeopardise your chances of truly enjoying the fruits of your labour in retirement.

Ever asked if you have saved enough for retirement? You should also ask whether the costs associated with your investments are eating into your savings.

These investment options can be very rewarding but need extra care to decrease your risk and prevent the wipe-out of your hard-earned money.

Have kids abroad or considering retirement on a Mediterranean island? Read this broad overview on tax implications when moving abroad.

To what extent should you make decisions on your retirement with your spouse? Read some of our thoughts on the best practices for financial planning for couples.

Considerations for people nearing retirement age.

These rules apply to both common law and same-gender relationships.

If you think you could be susceptible to dementia, it is recommended to plan your financial affairs in advance.

A simple calculation to determine your retirement needs.

Some prudent planners will say that if you have to ask that question, you may very well not be ready for retirement.

Take heed of the following when considering a move to a retirement village.

Apart from the investment risk, resale conditions, and the different levies, the following factors should also play a part in your final decision.

Retirement villages come in various shapes and forms with varying costs, depending on ownership structure, location and services offered.

As an investment in property is both an interest-earning (as rent) and a capital-growth investment (an increase in the underlying value), property investments are still very popular, and they prove to be more than just buying your own home.

The 'point of ruin' refers to the point at which your retirement savings start declining at an accelerating rate.

Many busy executives, or people who are deeply engaged in their work – like CEOs and company directors – suddenly wake up to the fact that they are in the final stretch before retirement.

Deciding whether you should stay put or move does not depend on a single answer but an individual and specific financial picture.

You need to take factors like security, personal relationships, relatives, climate and health into account.

You are going to lose out on investment returns and global growth if you shunt this valuable add-on to your investment portfolio.

Keep these documents safely in a folder and tell someone you can trust where it is kept.

Don’t be shy to ask for pensioner discount.

Following from the previous article, we look at some of the key considerations if you are facing early retirement due to retrenchment.

Very often, financial advice focuses only on the husband, neglecting his spouse. It is never too late to change this.

There are several reasons why retrenchment can severely affect your ability to retire well.

But also seek out independent advice.

A divorcee can lay a claim to a portion of their partner's monthly pay-out from a living annuity.

Trying to time the market is potentially damaging.

Your taxable income decreases by the amount that you save for retirement.

Even though you have a company pension fund, you remain primarily responsible for the management of these funds.

A few insights for SMEs emerging from the lockdown.

It may be advisable to leave as much of your savings in place until the market has had time to recover.

The government can solve its money problem by drawing on the more than R6 trillion in managed savings.

Before considering the appointment of trustees, it is important to understand what a trust is. A trust comes into being when a donor or settlor donates assets or cash to the trustees of a trust to be administered by the trustees on behalf of, and for the benefit of, the trust’s beneficiaries. The rules in

It's advisable that your will be drafted in conjunction with your financial plan.

A default plan doesn't consider a retiree’s personal circumstances, and there's a risk that it'll severely underperform your growth.

Tips to keep debt from swallowing your hard-earned money.

The decision to take ownership of your goals and start saving in the first place is where most people fail.

With two months to go before the year comes to a screeching halt, the current downward movement in markets has led to investors’ emotions ranging from concern to outright anxiety. The markets have declined as follows: S&P 500 year-to-date – 0.1% (down 9.3% on its high) MSCI year-to-date – 3.3% (down 6.9% in October) JSE

Start saving for your child's tertiary studies as early as possible, to take advantage of the effect of compounding.

Tips on how to submit your return efficiently.

Risk is probably as important as returns, yet investors seldom want to discuss it.

Consider a last will and testament, beneficiaries, estate liquidity, record-keeping and taxes.

It's best not to bank on working past 65 or making a huge profit on selling your house. Plan for unforeseen circumstances.

Plan your holiday properly to avoid the bitter after-taste of a holiday you enjoyed but could not afford.

Five simple elements – and you’ll have a sound strategy for the rest of your life.

What do I need to know as a provisional and non-provisional taxpayer?

Are you prepared for retirement?

You can invest indirectly or directly - both have various options.

Spare a thought for cryptocurrency traders.

To help you decide where and how to invest your money, consider the following...

Why you should always rely on a good financial advisor.

The award and others underscores our client-focused approach.

Having a well-defined and long-term plan should curb effects of market turmoil on your investments.

A few things to consider.

Here are a few things you need to take care of before embarking on a trip.

It is easier than you think this holiday season.

Young people face a longer life in retirement than their parents, so it's imperative they save enough for the golden years.

Here's four steps to get you out of debt and enjoying a financially independent life and retirement.

Things to keep in mind to protect your legacy and your family’s well-being, after a dreaded disease diagnosis or if you pass away.

During tough economic times, try to limit your exposure to debt as much as possible.

How you can make the most of your money.

Forget get-rich-quick schemes; an RA offers incredible benefits that will see your funds grow ever-faster, provided you have the patience to start investing early and keep at it.