Frequently Asked Questions
Ideally, planning begins early in your career, but the closer you are to retirement, the more focused and strategic your planning should be. Mid to late career is the perfect time to strengthen your savings and reduce risks.
The amount varies based on your lifestyle, expenses, and retirement age. We help you calculate a personalised retirement target and create a plan to achieve it.
A pension fund is usually offered by employers, while a retirement annuity is an individual investment product. Both offer tax advantages, but which is best depends on your circumstances. We’ll guide you through the pros and cons.
We design income strategies that balance guaranteed income (like annuities) with growth assets (like equities) to provide stability while keeping pace with inflation.
For many clients, being debt-free in retirement is a major relief. We’ll help you weigh whether paying off your bond makes sense versus investing that money for potential growth.
Healthcare is one of the biggest retirement expenses. We factor in medical aid and potential out-of-pocket costs so you can enjoy retirement without financial stress.
It’s usually wise to reduce risk as retirement approaches, but some growth investments may still be appropriate. We’ll help balance security and growth according to your needs.
As you approach retirement, reviews should happen more frequently—at least annually, and ideally every six months—to keep your strategy aligned with your timeline and market conditions.