Most people in South Africa do not retire financially independent. They often realize that they cannot afford to retire when it is too late. In planning for retirement, you need to consider your required income at retirement in relation to your existing provision in order to determine any additional amounts that you must save in order to achieve your objectives.

Retirement planning is the process of identifying your wants and needs, developing plans to achieve them, acting on those plans and continually reviewing and revising them as you gain new knowledge and experience.

In future good retirement planning will create the great dividing line in society, separating the "haves" from the "have-nots".

Thanks to the advances in health care and nutrition, the life span of the average South Africa has increased dramatically. A longer life expectancy increases the likelihood that you will be able to work longer but you will also need to save more for your retirement. Putting money away for retirement is a postponement of gratification.

Your retirement plan will most probably be the largest investment you will ever make.

When you plan for retirement, you will also be able to decide at what age you can retire and also whether the income you need at retirement is reasonable in relation to your circumstances. For additional retirement savings, your financial planner will be able to recommend one or more products and funds that are suitable for your risk profile and requirements.

We will firstly plan for Pre-Retirement till you reach your desired Retirement Age and thereafter we will assist you with Post-Retirement Planning

Your PWG Financial Planner will assist you in designing a Retirement Product suitable to your unique risk profile and for the run-up to Retirement as well as duration of your Post Retirement Financial Planning.