Retirement accumulation
Review retirement annuities, employer pension or provident arrangements and preservation options when changing employment. Contributions, access and benefits depend on the applicable rules.
02 / Wealth
Give your wealth a clear purpose.
A portfolio should have a job to do. We connect your investments to the income, opportunities and future choices you want them to support.
Discuss My Wealth Plan
The planning question
Why wealth planning matters
The right investment structure depends on when you need the money, how much uncertainty you can accept and how each goal fits your wider financial position.
What Sentinel assesses
- Your goals and time horizons
- Current investments, debt and emergency reserves
- Risk tolerance and capacity for loss
- Access, affordability, charges and tax context
- Retirement income and estate considerations
A structured review
The areas we consider.
Retirement income
Compare a living annuity’s investment and drawdown decisions with the contractual income features of a life annuity. Consider longevity, inflation, dependants and liquidity.
Investment structures
Consider discretionary investments, tax-free investment structures and endowments where appropriate. Their access, contribution, tax and beneficiary rules differ. No structure is best for everyone.
Education & longer-term goals
Work backwards from a goal, test assumptions and build a contribution plan. Review portfolio structure and progress as the goal gets closer.
Estate & legacy considerations
Consider beneficiaries, estate liquidity and how assets are held. Legal and tax specialists may be needed for the complete picture.
An Old Mutual AFD
Sentinel is your adviser relationship.
Our Old Mutual AFD relationship provides the institutional and product environment in which we work. Your adviser explains the relevant options, provider, terms and costs before you decide.
Product availability and suitability must be confirmed for your circumstances. This page explains planning needs; it is not a promise of cover, investment performance or a particular product feature.
How advice becomes action
Consultation. Strategy. Implementation.
A personal adviser relationship, with ongoing reviews built into the conversation.
- 01
Consultation
Understand your goals, risks and current financial position.
- 02
Strategy
Set priorities and explain suitable options, costs and trade-offs.
- 03
Implementation
Coordinate the agreed arrangements and provider requirements.
- 04
Ongoing review
Revisit the plan as your life and business change.
Who this is for
A plan that fits your responsibilities.
Professionals building capital, families planning education, established investors and people approaching or living in retirement.
Private Wealth. Protected.
Make the next decision a considered one.
A little more clarity
Your questions, answered.
01How much should I save for retirement?
It depends on the income you want, when you retire, existing assets, contribution levels, costs and investment outcomes. Our retirement calculator helps illustrate a gap, but an adviser must assess the complete position.
02What is a retirement annuity?
A retirement annuity is a retirement-fund structure used to build retirement savings. Contributions, investment choices, access and retirement benefits are governed by applicable rules. Tax treatment depends on legislation and your circumstances.
03What is the difference between a living annuity and a life annuity?
With a living annuity, investment performance and withdrawals affect how long capital lasts. A life annuity provides income according to an insurer’s contract. Income increases, dependant benefits, guarantees and access vary by the selected arrangement.
04What is a tax-free investment?
It is a qualifying investment structure with specific tax treatment and contribution rules. It does not mean the investment cannot lose value. Suitability still depends on the underlying assets, charges and your needs.
05How much do I need to retire in South Africa?
There is no single rand amount. Start with a realistic budget in today’s money, then consider inflation, retirement age, longevity, other income and dependants. An illustrative capital estimate is a starting point, not a recommendation.
06What happens to my retirement investments when I die?
The outcome depends on the type of fund or annuity and its rules. Retirement-fund death benefits and annuity benefits can follow different processes. Beneficiary nominations, dependants and selected contract options all matter.
07Should I preserve my retirement savings when I change jobs?
Preserving savings keeps money working towards retirement, but the right decision depends on available structures, costs, access rules and your wider position. Consider the long-term cost and other consequences of withdrawing.
08How do I plan for education costs?
Estimate the current cost and funding date, allow for education inflation, and compare the future requirement with existing savings and contributions. Our education calculator makes these assumptions editable.
09Is an endowment suitable for everyone?
No. An endowment has its own tax, access and beneficiary features. Compare those features with your circumstances, time horizon and alternatives before selecting a structure.