A living annuity offers retirees flexibility in managing their retirement income, but choosing the right strategy is crucial to ensure your savings last. From withdrawal rates and market risks to low-cost investment options, this guide unpacks the key factors to consider when structuring a sustainable living annuity. We explore the best performing funds, the risks of relying solely on balanced funds, and how to navigate fees, longevity risk, and portfolio construction for a secure retirement.

This comprehensive guide explores retirement planning strategies, highlighting the significance of diversified investments, navigating Regulation 28, and maximizing offshore opportunities. Gain insights into optimizing your portfolio and securing a financially stable retirement

Unlock your journey to a secure, informed retirement with your FREE copy of the Henceforward Retirement Insights 2025 Report. Tailored to navigate the complexities of retirement finances, this report is your comprehensive guide through significant decisions and strategies. From managing cash and taxes to understanding annuities and navigating market risks, it empowers you with the knowledge to transition smoothly into your golden years. Dive into proven strategies, decode the impact of fees, and shape your retirement with confidence.

Are you on track for a secure retirement? Discover the latest strategies in retirement planning, from dynamic income withdrawals to global investment trends. Whether you’re just starting or fine-tuning your plan, these expert tips will help ensure your financial future is on solid ground. Don’t miss out on key insights that can make all the difference for your golden years!

Recently, we published a piece on the 5 worst-performing BIG balanced funds in South Africa, where we defined “BIG” as a fund with over R5 billion in assets. In this piece, we’re extending that focus to review the 20 worst-performing balanced funds, irrespective of fund size

In this piece, we’ll focus on the five worst-performing big balanced funds (AUM of c. R5 billion+) over the last five years, so you can assess whether they remain the right choice for your portfolio.