The Ultimate Guide to Retirement in South Africa

Retirement offers a unique opportunity to craft a balanced lifestyle that integrates your passions, health, and social connections. In our previous articles, "Thriving in Retirement: The Next Chapter" and "Retirement Reinvented: Evolving Your Identity," we discussed the importance of emotional and social preparation for retirement, emphasising that thriving in this new chapter requires more than just financial planning. It is so much more! In particular, we delved into the critical aspect of redefining your identity and purpose.

Ascor Independent Wealth Managers.

Read more here https://retirementplanning.co.za/back-in-the-day-and-other-tips-for-a-more-fulfilling-retirement/

Back in the day And other tips for a more fulfilling retirement - The Ultimate Guide to Retirement in South Africa Retirement offers a unique opportunity to craft a balanced lifestyle that integrates your passions, health, and social connections. In our previous articles, "Thriving in Retirement: The Next Chapter" and "Retirement Reinvented: Evolving Your Identity," we discussed the importance of emotional and s...

Retirement funds are not likely to see conservative investments in the two-pot system
Retirement funds over the years have generally taken the position that they invest for the long term. They do not take account of anyone leaving the funds before retirement date.
So, a retirement fund member must take a chance when cashing in retirement savings that there is not a bear market; and they will be losing out on better returns when there is a bull market.

Read more here https://retirementplanning.co.za/be-careful-about-how-you-invest-in-your-two-pots/

Ascor Independent Wealth Managers.

Column 17 Be careful about how you invest in your two-pots - The Ultimate Guide to Retirement in South Africa Retirement funds are not likely to see conservative investments in the two-pot system. Retirement funds over the years have generally taken the position that they invest for the long term. They do not take account of anyone leaving the funds before retirement date.

Have you ever wondered what lies beyond the horizon of your formal working life? As retirement approaches, do you find yourself questioning what your days will look like and what will give you a sense of purpose? How will you redefine or evolve your identity once the roles and routines that have long defined you fall away?

Read more here https://retirementplanning.co.za/retirement-reinvented_-evolving-your-identity/ OR visit our website
retirementplanning.co.za

Ascor Independent Wealth Managers.

Retirement reinvented_ Evolving your identity - The Ultimate Guide to Retirement in South Africa Have you ever wondered what lies beyond the horizon of your formal working life? As retirement approaches, do you find yourself questioning what your days will look like and what will give you a sense of purpose? How will you redefine or evolve your identity once the roles and routines that have lon...

Retirement is often seen as the golden years of life – a time to relax, travel, and enjoy the fruits of decades of hard work. However, the word "retirement" can carry negative connotations, often viewed as an end rather than a new, enriching beginning. This perception may be one reason why many people avoid thinking about it when planning for retirement. Others might simply assume life will continue as is.
Eriaan Oelofse

Read more https://retirementplanning.co.za/thriving-in-retirement_the-next-chapter/

Ascor Independent Wealth Managers.

The difference a year can make with an investment-linked living annuity (living annuity) – it depends on whether you invest in a bear or bull market. One year when you retire you will have money forever, but retire in another year, using the same investments and the same level of pension, you may soon be left with nothing.

Read more here https://retirementplanning.co.za/col-16-shocking-differences-a-year-makes-for-pensioners/
OR visit our website: www.retirementplanning.co.za

Ascor Independent Wealth Managers.

Col 16: Shocking differences a year makes for pensioners - The Ultimate Guide to Retirement in South Africa Pensioners are seriously affected by investment market conditions. Retire today as opposed to two years ago could give you a very different pension.

South Africa has a very advanced financial system, but consumers are still exploited. Far too often the financial service product providers have, and, in some sectors, still give every impression of being a cartel.

Read more here https://retirementplanning.co.za/col-15-breaking-the-financial-cartel/
OR visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers.

Col 15: Breaking the financial cartel - The Ultimate Guide to Retirement in South Africa South Africa has a very advanced financial system, but consumers are still exploited. Far too often the financial service product providers have, and, in some sectors, still give every impression of being a cartel.

One major reason why retirement planning goes wrong.
It is amazing how many people try to give other people free advice – and some on bad advice they have received themselves.
And it is made even worse when this advice is given to people planning for their retirement or in retirement.
At two recent conferences, at which I was a speaker, it was amazing how some audience members tried to pass on ‘investment’ information that would simply be bad advice for most people.

Read more here: https://retirementplanning.co.za/beware-from-where-you-get-investment-advice-for-retirement/
OR visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers.

Col 14: Beware from where you get investment advice for retirement - The Ultimate Guide to Retirement in South Africa Beware from where you get investment advice for retirement. It is amazing how many people try to give other people free advice – and some on bad advice they have received themselves. And it is made even worse when this advice is given to people planning for their retirement or in retirement.

Invest in your retirement success. Our book is the best investment you can make!
Invest in your future with the ultimate retirement planning guide. Our book offers invaluable insights for a successful retirement journey.

Get your copy now! Available at all leading bookstores, Loot & Takealot or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Ready to retire in style? Our 3rd edition book is your guide to a remarkable retirement!
Retirement is your chance to live life to the fullest. Our book provides guidance and inspiration to retire in style.

Get your copy now! Available at all leading bookstores, Loot & Takealot or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Recently there was report about a Discovery Life Assurance policyholder discovering that an unknown person was listed as a beneficiary of his policy. The problem was caused by a snarl-up at Discovery, which has now apparently been corrected.
The identity number of the claimant was not used and another name with the same birthdate, surname and initials was used instead. Now Discovery is insisting that both the names and identity numbers must be used – as it always should have been.
Discovery says it also uses extensive checking procedures to ensure proper payouts to beneficiaries.
But this does not mean that fraudulent payments to beneficiaries do not take place – often involving older people.

Read more here https://retirementplanning.co.za/col-13-name-and-check-your-beneficiaries/ OR visit our website www.retiementplanning.co.za

Ascor Independent Wealth Managers.

Col 13: Name and check your beneficiaries - The Ultimate Guide to Retirement in South Africa Name and check who will be paid out by a life assurance company

Retirement is not one-size-fits-all. Our book offers tailored advice and insights to help you create a retirement plan that suits your unique goals and aspirations.

Get your copy now! Available at all leading bookstores, Loot & Takealot or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Ready to take control of your retirement? Our 3rd edition book is here to help!
Your retirement journey begins with taking control. Our book equips you with the knowledge and strategies to shape your ideal retirement.

Get your copy now! Available at all leading bookstores, Loot & Takealot or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Retirement planning made easy. Our book is your roadmap to success!
Don't let retirement planning overwhelm you. Our book simplifies the process, guiding you towards a successful and worry-free retirement

Get your copy now! Available at all leading bookstores, Loot & Takealot or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Retire with confidence. Our book is your ultimate retirement planning companion!
Confidence is the key to a fulfilling retirement. Our book empowers you to make informed decisions for a secure and prosperous future.

Get your copy now! Available at all leading bookstores, Loot & Takealot or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Big improvements to unfair complaints about financial services
People, offended by unfair treatment by financial services providers, will now be able to complain, for free, to two new complaints ombuds from March 1.
New legislation, including the long-awaited Conduct of Financial Institutions Bill, and new rules for the National Financial Ombuds (NFO) scheme still need to be put in place to get the planned two ombud schemes operating properly.

Read more here https://retirementplanning.co.za/col-12-a-better-complaints-system/ OR visit our website: www.retirementplanning.co.za

Ascor Independent Wealth Managers.

Col 12: A better complaints system - The Ultimate Guide to Retirement in South Africa A better way to complain about financial services. New legislation, including the long-awaited Conduct of Financial Institutions Bill, and new rules for the National Financial Ombuds (NFO) scheme still need to be put in place to get the planned two ombud schemes operating properly.

Unlock the secrets of retirement planning success. Our 3rd edition book reveals all!
Success in retirement planning is within your grasp. Our book unveils the strategies and insights you need for a prosperous future.

Get your copy now! Available at all leading bookstores, Loot & Exclusive books or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Secure your financial future in retirement. Our book shows you how!
Financial security is the foundation of a fulfilling retirement. Our book guides you towards a future filled with peace and abundance.

Get your copy now! Available at all leading bookstores, Loot & Exclusive books or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

You must be very aware of the problems associated with the two-pot retirement system due to be introduced from September 1 this year. The system could see investment market sinking and inflation going up.
But the biggest danger is that you may never have sufficient retirement capital on which to retire financially secure, particularly if you use the two-pot system to its maximum extent.
It should not be seen as a bank savings account – it is not.

Read more here https://retirementplanning.co.za/column-11-your-future-and-the-two-pot-retirement-system/ OR visit our Website www.retirementplanning.co.za






Ascor Independent Wealth Managers.

Start planning for retirement today! Our 3rd edition book is your essential resource.
Every day counts when it comes to retirement planning. Begin your journey today with the help of our essential guide.

Get your copy now! Available at all leading bookstores, Loot & Exclusive books or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Our book provides the knowledge to make informed decisions!
Confidence is critical to a successful retirement. Our book arms you with the knowledge and insights to make informed choices for a secure future

Get your copy now! Available at all leading bookstores, Loot & Exclusive books or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Plan your retirement like a pro. Our 3rd edition book is your expert companion!
Become a retirement planning expert with the help of our comprehensive guide.
Our book empowers you to make intelligent decisions for a prosperous future.

Get your copy now! Available at all leading bookstores, Takealot & Loot, or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Retirement planning can be exciting! Discover the possibilities with our book.
Retirement is a new chapter filled with endless possibilities. Our book helps you embrace the excitement of planning for your future.

Get your copy now! Available at all leading bookstores, Takealot & Loot, or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Ready to retire in style? Our 3rd edition book shows you the way!
Why settle for an ordinary retirement when you can retire in style? Our book reveals the secrets to living your best-retired life.
Get your copy now! Available at all major bookstores, Takealot, Loot, or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Retirement planning is the key to a secure future. Our book equips you with the tools and strategies to achieve financial freedom.
Get your copy now! Available at all major bookstores, Takealot, Loot, or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Most of us rely on investments to support our lifestyles and well-being, but we frequently become lost and confused. One reason for this is that the financial services industry has created confusion by selling a wide range of investment products indiscriminately.
Read more here https://ascor.co.za/retirement-funds-are-the-best-investment-you-will-ever-make/
The Ultimate Guide to Retirement in South Africa

Retirement made simple. Our book helps you navigate the complexities!
Don't let retirement planning overwhelm you. Our book simplifies the process, making it accessible to everyone.
Get your copy now! Available at all major bookstores, Takealot, Loot, or visit our website www.retirementplanning.co.za

Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Planning retirement? Our 3rd edition book is the ultimate companion!
Embark on your retirement planning journey with confidence. Our book is your trusted companion every step of the way.
Get your copy now! Available at all major bookstores, Takealot, Loot, or visit our website www.retirementplanning.co.za
Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Unlock the secrets of a financially secure retirement. Our book holds the key!
Financial security is within your reach. Discover the strategies and insights in our book to unlock a prosperous retirement.
Get your copy now! Available at all major bookstores, Takealot, Loot, or visit our website www.retirementplanning.co.za
Ascor Independent Wealth Managers. Penguin Random House SA alexforbesoficial

Retire with peace of mind. Our book equips you with the knowledge to make it happen!
Retirement should be a time of peace and fulfilment. Our book empowers you to make informed decisions for a worry-free retirement.
Get your copy now! Available at all major bookstores, Takealot, Loot, or visit our website at www.retirementplanning.co.za
Ascor Independent Wealth Managers. Penguin Random House SA

Make retirement planning your top priority. Our 3rd edition book is a game-changer!
Take charge of your retirement planning journey and secure a prosperous future. Our book is the ultimate guide you need. Get your copy now! Available at all major bookstores, Takealot, Loot, or visit our website at www.retirementplanning.co.za
Ascor Independent Wealth Managers. Penguin Random House SA