Managing your retirement income

When you are retired, you need an income from your savings while still growing your capital to protect your money from inflation. A living annuity is specifically designed for this purpose.
When you are retired, you need an income from your savings while still growing your capital to protect your money from inflation. A living annuity is specifically designed for this purpose.

Protect your retirement income from inflation

It takes an entire working life of disciplined and targeted saving to build up sufficient capital for a comfortable retirement. Once retired, you need to inflation-proof your income for a period of at least 30 years.

When you are retired, it is great to have the flexibility to change your income annually (within certain parameters) and continue to grow your retirement savings. A living annuity provides you with flexible income options after retirement.

You can purchase a living annuity with retirement capital you have built up in a pension fund, provident fund, retirement annuity or preservation fund.

 

 

Benefits of a living annuity

01

A living annuity allows you to select your level of income (within certain parameters) and payment frequency.

02

You have access to a wide range of unit trusts that can help you grow your retirement income.

03

Another advantage is the flexibility to switch between funds as your financial needs change.

04

On death, your full benefit will be transferred/paid to your nominated beneficiaries.

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Important information

All information and opinions provided are of a general nature and are not intended to address the circumstances of any particular individual or entity. We are not acting and do not purport to act in any way as an advisor or in a fiduciary capacity. No one should act upon such information or opinion without appropriate professional advice after a thorough examination of a particular situation. We endeavour to provide accurate and timely information but we make no representation or warranty, express or implied, with respect to the correctness, accuracy or completeness of the information and opinions. We do not undertake to update, modify or amend the information on a frequent basis or to advise any person if such information subsequently becomes inaccurate. Any representation or opinion is provided for information purposes only.

In the event that specific funds are mentioned please refer to the relevant fact sheet in order to obtain all the necessary information in regard to that fund.

Collective Investment scheme funds are generally medium to long term investments. The value of participatory interests may go down as well as up and past performance is not necessarily a guide to the future. Funds are traded at ruling prices and can engage in borrowing and scrip lending. The fund may borrow up to 10% of its market value to bridge insufficient liquidity. A schedule of charges, fees and adviser fees is available on request from the manager. Additional adviser fees may be paid and if so, are subject to the relevant FAIS disclosure requirements.

Investment Team: There is no assurance that the persons referenced herein will continue to be involved with investing for this Fund, or that other persons not identified herein will become involved with investing assets for the Manager or assets of the Fund at any time without notice.

Investment Process: Any description or information regarding investment process or strategies is provided for illustrative purposes only, may not be fully indicative of any present or future investments and may be changed at the discretion of the manager without notice. References to specific investments, strategies or investment vehicles are for illustrative purposes only and should not be relied upon as a recommendation to purchase or sell such investments or to engage in any particular strategy. Portfolio data is expected to change and there is no assurance that the actual portfolio will remain as described herein. There is no assurance that the investments presented will be available in the future at the levels presented, with the same characteristics or be available at all. Past performance is no guarantee of future results and has no bearing upon the ability of Manager to construct the illustrative portfolio and implement its investment strategy or investment objective.

Certain Ninety One SA funds are offered as long-term insurance policies issued by Ninety One Assurance Limited, a registered insurer in terms of the Long-term Insurance Act. These pooled products are administered by Ninety One SA (Pty) Ltd (an authorised financial services provider) and underwritten by Ninety One Assurance Limited.

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