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The Wealth Perspective - Fourth Quarter 2019

12 December 2019

The Wealth Perspective - Fourth Quarter 2019

Welcome to the latest edition of the Wealth Perspective

In this edition of The Wealth Perspective, Chief Investment Officer Adriaan Pask highlights how saving in an appropriate solution can help you reach your retirement savings goals. Head of Sales, Nirdev Desai, shows the conditions under which the application of the ‘15% rule’ may cause you to miss your retirement target. Head of Estate and Trust Services, Willie Fourie, reminds us of the importance of beneficiary nominations as part of estate planning, while Jan van der Merwe, Head of Actuarial and Product, shares some reminders about the key features of retirement annuities. Lastly, Shreekanth Sing, Technical Legal Adviser, explains that there are still benefits available when you contribute beyond the tax deductibility limits of retirement annuities.

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Welcome to the latest edition of the Wealth Perspective

Dan Hugo

As this year winds down and a new one begins, our thoughts typically turn to taking a well-deserved break. It serves investors well, however, to remember that (with a few months’ lag) we are also approaching the tax year-end at the end of February.

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A word from our CIO

Adriaan Pask

Are you ready to… retire?

National Treasury acknowledges that about 94% of all South African retirees will not have adequate resources to sustain themselves financially in retirement. So, what can you do to be part of the 6% that can retire comfortably? A good step in the right direction is to ensure you are invested appropriately to help you achieve your goals.

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Industry views

Nirdev Desai

The hidden dangers in retirement planning shortcuts

Planning for retirement, which might very well be the biggest investment individuals make, can be daunting. In essence, individuals are not only taking responsibility for accumulating enough capital during their lifetime and investing it correctly, but also for ensuring their accumulated capital can sustain them for the remainder of their lives. It is no surprise that many people (and sometimes even professionals) rely on rules of thumb to navigate their road to retirement. But there are hidden dangers in relying on mental shortcuts alone.

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Estate matters

Willie Fourie

Why beneficiary nominations are central to estate planning

The annual review of your financial and estate plan is an opportunity to assess and reconsider the underlying assets in your estate. However, reviewing beneficiary nominations on policies, which may be a crucial part of your estate plan, is often neglected during this process.

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Quarterly insight

Jan Van Der Merwe

Saving tax-efficiently for your retirement is a must

This time of the year signals that the end of the financial tax year is just around the corner, and is an opportune time to check if you are using tax-efficient savings effectively to fund your retirement. Retirement annuities (RAs) remain one of the best ways to save tax-efficiently for retirement. This article reviews some of the key features of RAs and highlights some of the questions we often get from our clients.

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Employee Benefits Insight

Shreekanth Sing

Key points about retirement funds and tax

We often think tax deductibility also limits how much you can contribute to a retirement fund. This is not the case, however, and there are still benefits to be enjoyed from contributing in excess of these limits. It is worth considering this option if you are looking for ways to bolster your retirement savings as you approach retirement.

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