{"id":1009,"date":"2020-09-14T09:21:37","date_gmt":"2020-09-14T07:21:37","guid":{"rendered":"https:\/\/wealthymefs.co.za\/?p=1009"},"modified":"2020-10-22T15:57:51","modified_gmt":"2020-10-22T13:57:51","slug":"what-if-you-wont-have-enough-saved-for-retirement","status":"publish","type":"post","link":"https:\/\/wealthymefs.co.za\/?p=1009","title":{"rendered":"What if you won’t have enough saved for retirement?"},"content":{"rendered":"\t\t
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By Isabelle Coetzee<\/p>\n

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Planning for your retirement is imperative to ensuring you enjoy your golden years. The last thing you want is to struggle to make ends meet in your old age.<\/p>\n

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So what should you do if you realise you won\u2019t have enough saved to retire comfortably? JustMoney asked some industry experts.<\/p>\n

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Tip: Have you worked out how much you\u2019d need to retire? <\/em><\/strong>Click here<\/em><\/strong><\/a> to try out our calculator.<\/em><\/strong><\/p>\n

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Hitting the middle-age hump<\/strong><\/p>\n

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According to Reagan Mitchell, managing director at WealthyMe, most South Africans don\u2019t save enough to retire with financially independence, and this becomes more evident to people as they reach middle age.<\/p>\n

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\u201cThis is the reality for most people who never had access to high-quality financial advice and financial literacy. In addition, many consumers only earn enough to make ends meet. Consequently, planning for retirement is exceptionally low on their priority list \u2013 and rightfully so,\u201d says Mitchell.<\/p>\n

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With that said, he points out that there are benefits to various retirement savings vehicles available to consumers. He explains that middle-aged people will often have more disposable income available to save because their kids are grown and they will likely have settled some of their liabilities.<\/p>\n

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\u201cAs a result, they can now channel more funds into their retirement savings vehicles, such as tax-free savings, endowments, unit trusts, and shares,\u201d says Mitchell.<\/p>\n

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READ MORE: <\/em><\/strong>3 Ways to save for your retirement as a freelancer<\/em><\/strong><\/a><\/p>\n

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Additional sources of income<\/strong><\/p>\n

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In addition to retirement savings vehicles, Mitchell explains that consumers need to consider other avenues to create additional income sources.<\/p>\n

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He illustrates that this could include starting a small e-commerce business, or even something as simple as baking cakes over weekends to supplement a savings strategy in the event of late preparation.  <\/p>\n

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\u201cPeople live longer and they\u2019re healthier because of advances in medical technology and wellness activities. Therefore, people who don\u2019t have sufficient provision at retirement should consider working longer or starting a small business to bolster any shortfalls for retirement planning,\u201d says Mitchell.  <\/p>\n

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\u201cBear in mind that starting a business comes with its own risks, which should be carefully be evaluated before venturing forth. However, there are many ways to mitigate this risk, such as partnering with someone, getting informed about the market, or starting off simply and growing slowly,\u201d he explains.<\/p>\n

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What else can you do?<\/strong><\/p>\n

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Guy Chennells, general manager and head of employee benefits at Discovery, agrees that you will need to cultivate assets post-retirement \u2013 a skill, network, or toolset you could use when formal employment ends.<\/p>\n

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Besides this, Chennells believes that the best way to increase your retirement saving is to start by saving what you can afford, and then to increase your contribution each year as your salary increases.<\/p>\n

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\u201cIn addition, if you delay drawing an income from your savings for 5 years, you will be able to get about 20% more income every year thereafter. If you also continue to contribute during that time, your income will be about 40% higher,\u201d says Chennells.<\/p>\n

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This is because of the benefits of compound growth. Have a look at this article<\/strong><\/a> to find out how compound growth can help you save for your child\u2019s tertiary education. It will also give you a good idea of how compound growth works and can, similarly, impact your retirement savings.<\/p>\n

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What if you still don\u2019t have an RA?<\/strong><\/p>\n

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According to Mitchell, buying a retirement annuity when you\u2019ve passed middle age is still the preferred vehicle because of the associated tax benefits, protection against creditors, and the fact that the proceeds from a retirement annuity don\u2019t form part of your executable estate.<\/p>\n

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However, he adds that there are other things to take into to consideration relating to your personal circumstances that may warrant other types of savings vehicles. <\/p>\n

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\u201cThe best is to meet with a financial planner who can assist you to come up with a customised comprehensive strategy to retire financially independent,\u201d says Mitchell.<\/p>\n

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If you don\u2019t have a retirement annuity yet, <\/em><\/strong>click here<\/em><\/strong><\/a> and fill out the form to get started.<\/em><\/strong><\/p>\n

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Article originally published on JustMoney<\/a><\/strong><\/p>\n

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By Isabelle Coetzee Planning for your retirement is imperative to ensuring you enjoy your golden years. The last thing you want is to struggle to make ends meet in your old age. So what should you do if you realise you won\u2019t have enough saved to retire comfortably? JustMoney asked some industry experts. Tip: Have… Continue reading What if you won’t have enough saved for retirement?<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":1011,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","wds_primary_category":0,"footnotes":""},"categories":[25,1],"tags":[27,29,26,28],"class_list":["post-1009","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-in-the-media","category-uncategorized","tag-justmoney","tag-reagan-mitchell","tag-wealthyme","tag-what-if-you-enough-saved-for-retirement","entry"],"yoast_head":"\nWhat if you won't have enough saved for retirement? - WealthyMe<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wealthymefs.co.za\/?p=1009\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What if you won't have enough saved for retirement? - WealthyMe\" \/>\n<meta property=\"og:description\" content=\"By Isabelle Coetzee Planning for your retirement is imperative to ensuring you enjoy your golden years. 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