Considering your retirement horizon and setting yourself up for ...

“It’s what you do in the present that will redeem the past and thereby change the future.” Paulo Coelho

Considering your retirement horizon and setting yourself up for success

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Contents 01 | The retirement landscape

02 | To retirement and beyond

03 | Practical examples

04 | Conclusion

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Your investment timeline Do not forget…

RETIREMENT

Pre-retirement

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Post-retirement

Allocating too little to growth assets Short-term certainty is costly long-term

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Not saving early enough Start early

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You will need more after retirement than you think

LIFESPANS CAN BE LONGER THAN EXPECTED CHANCE OF SURVIVAL

65 YEAR OLD MAN

65 YEAR OLD WOMAN

65 YEAR OLD COUPLE*

50% chance

85 yrs

89 yrs

94 yrs

30% chance

91 yrs

95 yrs

99 yrs

25% chance

93 yrs

97 yrs

100 yrs

20% chance

95 yrs

99 yrs

102 yrs

10% chance

100 yrs

104 yrs

106 yrs

Source: Sanlam

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If you are 60 and male you have a 20% chance to reach the age of 90

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If you are 60 and female you have a 40% chance to reach the age of 90

Mistakes after retirement

Too conservative

Drawing too much income Poor management of expenses Too little allocation to growth assets

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Not considering longevity factors

We can help you Retirement annuities and tax-free investments

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