Practical advice for South Africans navigating retirement, two-pot, and tax strategies
The three-year rule, tax emigration, two-pot access for emigrants, and the SARS cross-border pension changes from March 2026. Everything you need to know before you board the plane.
Read more →Regulation 28 allows up to 45% offshore in your RA. Should you use it? A practical breakdown by life stage — accumulation vs. drawdown, feeder funds, and the rand hedging trade-off.
Read more →Age 55 is the legal minimum retirement age for most SA funds. But can you actually afford to walk away? Real numbers on pot size, medical aid costs, two-pot rules at retirement, and whether early retirement is within reach.
Read more →Sygnia, 10X, Allan Gray, Satrix, Coronation — compared by real fees, EAC, and long-term impact. A 1% fee difference costs you 25% of your final pot over 30 years. Here's how to pick the right RA for your situation.
Read more →A practical 2026 guide to living annuity drawdown rates, tax, TFSA income support and the annual retirement calculator checks South African retirees should run.
Read more →Estimate your savings pot balance, SARS tax, net payout and long-term compound-growth cost before withdrawing from the two-pot savings component in 2026/2027.
Read more →Turn a monthly retirement income target into a practical capital number, with 2026 examples from R15,000 to R80,000 per month and the 300x expenses shortcut.
Read more →RA or TFSA first? A practical 2026 guide for South Africans comparing retirement annuities, tax-free savings accounts, pension funds, two-pot access and living annuities.
Read more →Before you trust a retirement calculator result, check the assumptions that matter in South Africa: two-pot withdrawals, SARS tax, inflation, fees, medical costs, flexible investments and real monthly spending.
Read more →Practical 2026 retirement targets by monthly income, age and lifestyle — plus what R5 million really buys, how drawdowns work, and what to do if you're behind.
Read more →Fresh annual allowance, new tax brackets, VAT at 16% — here's how to calculate your after-tax withdrawal amount and decide whether accessing your savings pot this year makes financial sense.
Read more →How much should you have saved at 30, 40, 50 and 60? SA-specific benchmarks by salary level, the realistic lump sum targets at retirement, and what to do if you're behind the curve.
Read more →19 months in, your savings pot has been building. Find out how much is actually there, how to calculate it by salary, and whether a year-2 withdrawal makes financial sense.
Read more →Most SA retirement calculators are misleading — optimistic assumptions, no fees, wrong inflation. Here's which inputs actually matter and how to run your numbers properly.
Read more →April 2026 brings a new tax year and updated thresholds. How savings pot withdrawals are taxed at every salary level, VAT changes, and strategies to minimise your SARS bill.
Read more →Left your job and not sure what to do with your pension? Preservation fund vs RA compared — withdrawal rules, tax benefits, and which is better after retrenchment under two-pot.
Read more →SARS raised the retirement contribution cap for the first time in 10 years. Here's exactly who benefits, how much tax you can save, and whether you should increase your contributions.
Read more →Section 37C of the Pension Funds Act gives trustees — not your will — the final say on who gets your retirement fund. Here's what South Africans need to know.
Read more →Real numbers by lifestyle, city, and age — from survival mode to affluent retirement. Plus the savings benchmarks you should be hitting at every age.
Read more →National Treasury is considering allowing access to the two-pot retirement component for retrenched workers in severe financial distress. Here's what we know and what it means for your savings.
Read more →Thinking about withdrawing from your two-pot retirement fund? Here's the tax hit, long-term cost, and when it actually makes sense to take the money out.
Read more →Budget 2026 retirement changes - contribution limits, tax thresholds, and what it means for your retirement planning.
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