Do I Have Enough to Retire in South Africa? - Retirement Readiness Guide | Investonline Insights

Retirement is one of the most important financial transitions in life. The decisions you make in the years leading up to retirement determine how long your capital lasts, how much flexibility you have and how confidently you can sustain your lifestyle.

In this Investonline Expert Insights webinar, Directors Nick Brummer and Stuart Dyer unpack the critical factors that shape a successful retirement plan. Using real examples and clear analysis, they explain how to avoid the most common mistakes, assess your financial readiness and choose the right retirement structure for long-term security. You will also gain practical insight into living annuities, life annuities and the tax considerations that often catch retirees off guard.

Topics covered in this session:
00:00 Introduction
02:19 Five common mistakes retirees make
05:33 Assessing your financial readiness
07:42 Planning for large capital goals
09:14 Projecting your inflation-adjusted expenses
11:48 Consider your lump sum carefully
14:24 Preserve vs retire
18:19 South Africa historical inflation
21:23 Living annuity vs life annuity comparison
25:40 Income sustainability scenarios
26:59 Q&A – Structuring retirement funds
28:26 Q&A – Regulation 28
29:29 Q&A – Tax and transfer costs
30:33 Q&A – Estate duty on Section 10C
32:44 Q&A – When to drop life cover
34:58 Q&A – Lump sum tax implications
36:44 Q&A – Living annuity risk in expensive JSE
39:22 Q&A – When to convert to a life annuity
43:08 Q&A – Adult dependent planning
44:26 Investonline’s core services
45:59 Our value add
47:17 Investonline engagement process

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Disclaimer: Investonline is a registered Financial Services Provider 40592. This webinar video is for educational purposes only and does not constitute personalised financial advice. Please consult with a qualified planner to discuss your unique situation.

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