Retirees
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The key is balancing your withdrawal rate, investment growth, inflation, and life expectancy. We help structure a sustainable income strategy that aims to provide regular income while preserving capital for the future.
There is no single percentage that is right for everyone. The appropriate withdrawal rate depends on your age, investment returns, other income sources, health, and expected retirement duration.
Yes. Many retirees still need investment growth to help offset inflation and support long-term income needs. The focus typically shifts from aggressive growth to a balanced approach that includes both income generation and capital preservation.
We recommend reviewing your retirement income and investment strategy at least annually, or sooner if market conditions change significantly or your personal circumstances change.
Yes. South African regulations allow living annuity income levels to be adjusted within prescribed limits at specific review dates, giving retirees flexibility as their needs change.
Excessive withdrawals can increase the risk of depleting your retirement savings too early, especially during periods of poor market performance or high inflation.
Withdrawals are generally taxed as income according to applicable tax tables. A tax-efficient withdrawal strategy can help manage your overall retirement tax position.
Yes. Maintaining accessible emergency savings can help avoid selling long-term investments at an unfavourable time to cover unexpected expenses.
Retirees should ensure their will is up to date, beneficiary nominations are accurate, powers of attorney are considered, and their estate plan is aligned with their retirement and investment structures.
We provide independent, personalised advice focused on sustainable income, investment management, tax efficiency, estate planning, and the ongoing support retirees need to navigate retirement with confidence.