When the salary stops, the investing rulebook flips. You’re no longer racing uphill for capital gains; you’re pacing yourself downhill—turning a lifetime of savings into an income stream that has to out‑hike inflation for the rest of your journey.
Wondering which balanced funds are delivering the best results for retirees in 2025? We unpack the top-performing funds in South Africa — from agile boutique managers to cost-effective index trackers — and explore why managing volatility is just as important as chasing returns. In a world of rising uncertainty, staying informed could make all the difference to your long-term retirement outcomes..
“How much is enough to retire?” It’s one of the most common questions we’re asked. Can I retire with R5 million in South Africa today? What about R10 million? Is there a ‘magic number’ that guarantees a comfortable retirement?
Investment Returns for Retirement: When planning for retirement, many investors focus on saving enough money but often overlook one of the most crucial factors in achieving financial security: investment returns. Understanding the rate of return you need to achieve your retirement goals can be the difference between financial comfort and running out of funds too soon.
Retirement annuities come with great tax perks, but is that enough? This article takes a balanced look at their pros and cons, explores the best-performing funds, and highlights why diversification is key for long-term success
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.
As financial planners for retirees, we understand how important planning well for your life as a retiree is. Retirement is supposed to be the time to enjoy the fruits of your life spent working hard and saving/investing diligently in order to pursue your passions and enjoy a good life.
