Wynand Gouws
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Articles by Wynand Gouws
Reducing tax before and after retirement Original
RANDS AND SENSE By Wynand Gouws Story continues below Advertisement Conventional wisdom would have you believe that retirement annuities (RAs) and contributions to pension and provident funds are the most prudent and “best” investments you can make. This view is anchored in the tax deductibility of investments in retirement funds. Investors can deduct up to 27.5% or a maximum of R350 000 of their annual taxable income or remuneration in contributions to retirement funds.
Planning for a life to 100 and beyond
One of the key variables used in retirement planning is life expectancy of our clients and their spouses or partners. Financial planners may use their own estimates or use available data from the insurance industry.
OPINION | How to plan for retirement when you may live to 100
Over the past century, global life expectancy has increased by more than 25 years, and it continues to improve. Don’t get caught off guard by outliving your money because you thought you would never live to 80, 90 or even 100, writes Wynand Gouws. Get the biggest business stories emailed to you every weekday, or go to the Fin24 front page. Don’t get caught off guard by outliving your money because you thought you would never live to 80, 90 or even 100.
Planning for retirement and a good chance you will live to 100
By Wynand Gouws Don’t get caught off guard by outliving your money because you thought you would never live to 80, 90 or even 100! Story continues below Advertisement When planning for your retirement, it is essential to think about how long you and your spouse or partner may live. Your best starting point is the history of longevity in family members – for both you and any partner. Then consider your health and lifestyle.
What if you live to be 100? Here's expert advice on how to plan for your retirement
When you’re just busy trying to survive it’s easy to get caught up in the day-to-day and not bother to think ahead to life after you retire. But too few people spend enough time thinking about what retirement means to them, says financial planner Wynand Gouws, author of To 100 & Beyond: How to Make Your Money Last as Long as You Do. It’s especially important to think about it now because the number of people living into their 80s and 90s is growing by the day.
BOOK EXTRACT | To 100 & Beyond: How to make your money last as long as you do
The number of people living to their nineties and early hundreds is growing by the day and the notion of retirement at 65 is becoming outdated. In a new book, author Wynand Gouws tackles how to provide for yourself if you live to a ripe old age - as is increasingly likely. RETIREMENT South African law does not stipulate a particular retirement age, and different pieces of regulation provide for different retirement ages.
BOOK REVIEW | To 100 & Beyond
How to make your money last as long as you do By Wynand Gouws The number of people living into their late nineties and early hundreds is growing by the day. The notion that you have to retire at 65 is becoming outdated and, more importantly, impractical and even financially hazardous. However, the question remains: How do you provide for yourself should you live to a ripe old age, as is very likely?
Investments: the cost of focusing only on costs
By Opinion Dec 22, 2021 By Wynand Gouws The cost of investing is a critical component in financial and investment planning. This should however not be the only consideration. Eliminating all unnecessary costs where possible is an integral part of an overall financial and investment plan. The impact of even low costs over the long term can be significant on the performance of an investment.
The 10-year difference: how to double your retirement income
By Opinion Sep 27, 2021 RANDS AND SENSE By Wynand Gouws It has been fascinating to watch the birthday celebration of Iris Apfel, born 29 August 1921 turning 100 in August. She is a businesswoman, entrepreneur, and fashion Icon. In her early career she ran a textile business with her late husband. Apfel led a career in textiles including a contract with the White House spanning nine presidencies.
4 finansiële lesse wat die Covid-19-krisis jou leer
Misdaad 2 aangekeer, 3 gesoek ná Gqeberha-skietery Lt.genl. Liziwe Ntshing, polisiekommissaris van die Oos-Kaap, het die polisie se 72 uur-opsporingsplan in werking gestel, om van die mans op te spoor wat verantwoordelik is vir ’n driedubbele moord Vrydag in Gqeberha (Port Elizabeth).
Retirement planning inertia
Your Name: Your Email: Send Email To: Keep this field blank It is time for the annual focus on retirement annuities and tax-free savings. By Wynand Gouws 21 Feb 2021 00:11 With retirement season upon us it is time for the annual focus on retirement annuities and tax-free savings.
Hands off my pension
Your Name: Your Email: Send Email To: Keep this field blank The debate has shifted to whether pension fund assets can be used more effectively to support economic growth By Wynand Gouws 24 Sep 2020 00:44 In recent commentary the ANC’s head of Economic Transformation, Enoch Godongwana has made it clear that the party is moving away from the term ‘prescribed assets’ as economic policy and to rather focus the conversation (and potential policy changes) on finding ways to unlock South Africa’s...
The low interest rate conundrum
With interest rates at 50-year lows investors face a conundrum: do they hold on to the safety of fixed-income investments or consider alternatives amid continued concerns about the current political environment and the impact of Covid-19 on the South African and global economy?
The low interest rate conundrum
30 August 2020 - 00:00 By Wynand Gouws With interest rates at 50-year lows investors face a conundrum: do they hold on to the safety of fixed-income investments or consider alternatives amid continued concerns about the current political environment and the impact of Covid-19 on the South African and global economy?
100 seems to be the new 65 for retirees
Quietly amid the noise of Covid-19, we witnessed two significant birthdays in May — Sir David Attenborough turned 94 and Fredie Blom 116. Sir David is well known and Blom, who lives in Delft, Cape Town may probably be the oldest man alive. So what do these two men have in common? Sir David and Blom’s birthdays are merely two examples of an increasing cohort of people that are living healthy lives well into their 90s and 100s.
Living annuitants get relief in crisis
By Wynand Gouws 14m ago In line with the President’s address to the nation on April 21, the Minister of Finance included relief to living annuitants in the second set of measures announced on April 23 to assist individuals through the pandemic. Living annuitants currently have the option to draw an annual income of between 2.5% and 17.5% of the value of their living annuity as an income or pension.
You can get a better guaranteed pension today than before the crash
Your Name: Your Email: Send Email To: Keep this field blank This presents retirees and some investors in living annuities with a window of opportunity amidst the current crisis. Wynand Gouws / 4 April 2020 00:03 Amidst one of the fastest market crashes in the last century, there has been one investment that has gone unnoticed. Guaranteed annuities, also known as life annuities. Today you can get a guaranteed annuity that is 20% higher than before the Covid-19 market crash.
Covid-19 market crash: Lessons for investors
Your Name: Your Email: Send Email To: Keep this field blank Investing First, do not panic. Wynand Gouws / 18 March 2020 13:13 Your money personality should not change during a crash, advises the author. Image: Shutterstock The Covid-19 global pandemic has caused ripples through global financial markets as the virus continues to spread across the globe and governments battle to find the right measures to contain it.
Why you need to start your tax-free savings 15 years before retirement
Even though tax-free savings are relatively new in the South African financial planning landscape, introduced by National Treasury in March 2015, it is to some extent and indictment on the industry that these savings vehicles are not yet used effectively in client portfolios.
Investment strategies for a world in crisis
Your Name: Your Email: Send Email To: Keep this field blank Soapbox Even if the heat is a bit much, you don’t have to get out of the kitchen. Last year was one of the worst since the Great Depression, and the South African market has not been spared from this global market turmoil. South African investors have basically moved sideways over the last five years.
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