Retirement Archives - Ultima Financial Planners

The Two-Pot retirement reform – What members need to know

August 5, 2024

What was the thinking behind the Two-Pot system? Many South Africans struggled financially through the pandemic because they don’t have “rainy days” funds. The National Treasury came up with the Two-Pot system to provide a way for them to access…

Retirement Planning for Age-Gap Couples

July 27, 2022

Ultima Financial Planners

“Age is an issue of mind over matter. If you don’t mind, it doesn’t matter.” (Mark Twain) When is an age gap significant? If the age gap between you and your spouse is less than five years, you probably don’t…

Set SMART investment goals for long term financial success

May 3, 2022

Hester van der Merwe

35 - 55 group, financial planning advice, Investment, over 55 group, Retirement, under 35 group

Indeed, goals are vital to leading a successful and happy life. You need to know what you want from your personal life, what you hope to achieve in your career, and how you want to experience retirement. Without goals, life…

Proposal to increase retirement funds’ offshore allowance

March 7, 2022

Mark Bechard

35 - 55 group, over 55 group, Retirement, TAX, under 35 group

National Treasury’s proposal to harmonise the offshore limit for all insurance, retirement and savings funds will enable retirement funds to invest up to 45% of their capital offshore. This includes the 10% allowance for investments into other African countries, according…

Budget 2022: The Executive Summary

February 28, 2022

Alec Hogg

Over 35 - 55 Group, over 55 group, Retirement, TAX, under 35 group

SA’s total tax revenue exceeded the February 2021 Budget Speech estimate by R182bn at R1.55trn. A year ago revenue had been estimated at R1.4trn, which was adjusted to R1.5trn in November’s MTBPS. Year-on-year revenue growth in revenue was 24% (2021: R1.25trn).…

A look at young people and their attitude towards money and how to improve their finances

February 21, 2022

Vernon Pillay

Investment, Retirement, under 35 group

For many years, young people in South Africa have experienced and faced many challenges regarding them completing their education which has resulted in extreme unemployment rates and is one of the key challenges facing our society and necessitates. A recent…

Ready, Set, Plan!

February 14, 2022

Rochelle Mylie

income protection, Investment, under 35 group

Every year, more and more young adults finish school or their degrees and enter the workforce. These young professionals face numerous challenges such as finding employment, entering into contracts on their own, and the most pressing of all – dealing…

Are retirement annuities still worth it?

January 19, 2022

Michael Haldane

#35-55Group, #FinancialPlanningAdvice, #over55Group, #RetirementAnnuity, #under35Group

With “RA season” in full swing, many investors are asking whether retirement annuities are still worth it with all the speak of prescribed assets and imminent legislation changes. The debate is quite hot. As with most things, you will have…

5 reasons why you should consider RENTING in retirement

October 7, 2021

Hendri de Klerk

over 55 group

South Africans traditionally loves owning property. Residential properties have however disappointed greatly in terms of the lack of capital growth and the opportunity cost have increased greatly due to fantastic offshore investment options being available. This begs the question: “Should…

The “R” word: Do we really understand what risk means to investors?

June 1, 2021

Hester van der Merwe

35 - 55 group, Investment risk, over 55 group, risk strategy, strategy, under 35 group

We need to change the way we think about risk so that advisors and investors can speak the same language and lock in long term growth. By Hester van der Merwe CFP®, Ultima Financial Planners, Financial Planner of the Year…

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Retirement