Retirement Planning

PRE-RETIREMENT PLANNING

Most South Africans do not retire financially independent and only find out that they cannot afford to retire when it is too late. At Heritage, when planning for retirement we consider your required income at retirement, in relation to your existing provisions and quantify any additional amounts that you must save in order to achieve your objectives.

Based on this, we will assist you in deciding at what age you can retire and also whether your required income at retirement is reasonable in relation to your circumstances.

POST-RETIREMENT PLANNING

Saving for retirement is just part of the equation. The funds that you have accumulated must be invested to provide you and your dependents with an appropriate income therefore giving you a true holistic lifetime financial planning. Planning at retirement involves analysing your investments and considering the most tax-effective method of investing.

Heritage offers a range of products, including guaranteed and flexible annuities that suit all needs and risk profiles.

EMPLOYEE / EMPLOYER BENEFITS ON GROUP RISK AND RETIREMENT FUNDS

We act as advisors to group pension/provident funds, continuously assessing available products from the major life assurers and investment managers in order to match the appropriate product to the client’s requirements.

Plan your future with Heritage RoboAdvisor. Click here for more information.