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The Wealth Perspective - Third Quarter 2019

03 October 2019

The Wealth Perspective - Third Quarter 2019

Welcome to the latest edition of The Wealth Perspective

In this edition of The Wealth Perspective, Chief Investment Officer Adriaan Pask highlights the upside of longevity when he considers what it takes to achieve a perpetual passive income. Head of Sales, Nirdev Desai, outlines why your plan should adapt to our changing world. Head of Estate and Trust Services, Willie Fourie, argues for longevity in estate planning, while Jan van der Merwe, Head of Actuarial and Product, explains how your financial products and plan need to work together to deliver longevity in retirement solutions. Grant Meintjes, Head of our securities business, underscores the three things that distinguish share investments from other retail investments, and highlights why they need to be supported by a robust plan. Lastly, Shreekanth Sing, Technical Legal Adviser, explains how to plan for retirement in an environment filled with risk.

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Welcome to the latest edition of The Wealth Perspective

Dan Hugo

Internationally, October marks both Financial Planning Month and Longevity Month. This edition of The Wealth Perspective has a dual focus. A financial plan is a starting point for achieving successful financial outcomes – but increasing longevity is impacting not only the actual outcomes we achieve, but also how we need to plan for the outcomes we want to achieve. This edition therefore explores the importance of financial planning, and the impact of longevity on our current and future plans.

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A word from our CIO

Adriaan Pask

Longevity: The good, the bad and the brilliant

Extreme longevity was once the preserve of sci-fi movies, but science is making rapid advances that means it may soon become a reality. A post-ageing society holds many promises but also some challenges, and therefore requires a fresh approach.

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Industry views

Nirdev Desai

Adapting your plan to our changing world

Clients who understand their role in the financial planning process are far more likely to achieve their goals. To change the destiny of the 94% of South Africans who cannot retire comfortably, investors need to take ownership of their financial planning journeys and rely on guidance from their financial advisers. The good news is that we need not feel helpless – in spite of the challenging environment. There are always opportunities to maximise the factors under our control and use the dynamics of a changing environment to our benefit.

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Investing and trading

Grant Meintjes

Three things that make share investments different

Direct share investments hold a unique appeal for investors. Although there are many other forms of investment that are ultimately channelled into shares, there is something elegant and simple about the idea of holding shares directly. There are some unique features to owning shares directly, in your own share portfolio, that set these investments apart from the rest. Here are a few notable features that those who are new to share investments should be aware of.

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Estate matters

Willie Fourie

Longevity in estate planning

We often think of longevity when it comes to financial planning, but there is also something to be said for considering the longevity of your estate planning. A distinguishing feature of robust estate planning is that the structures and the transfer of assets that are put in place can address the needs and circumstances of the beneficiaries in the long term.

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Quarterly insight

Jan Van Der Merwe

Longevity, plans and products

Increasing longevity is one of many positive aspects to recent human development. It brings with it a change in the balance of working years versus years spent in retirement. This in turn implies a need to reconsider traditional calculations, to ensure you accumulate enough to support a prosperous and fulfilling life, from beginning to end. Financial planning is one of the key tools to manage the impact of longevity on finances. Most importantly, a longevity-proof retirement plan does not start at retirement – it begins in the early pre-retirement planning stages.

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Employee Benefits Insight

Shreekanth Sing

Planning for retirement in a risky world

Failing to plan is planning to fail, and nowhere is this truer than when it comes to retirement planning. However, even a disciplined and well-advised retirement plan can come under threat due to certain pre- and post-retirement risks. Being alert to risks means we are able to plan for them, and also helps to ensure that we are better positioned to make informed decisions.

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