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Retirement

Saving for your retirement is an important decision especially that life expectancy is increasing, therefore the sooner you start saving for retirement, the more opportunity your money has to work and grow for you. So, the best time to start saving for your retirement is when you land your first permanent job. The second best time to start is now. There are various retirement plans you can choose from to suit your current and future goal.

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Retirement Calculator
Four easy steps to secure your retirement
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Note: This calculator will take predicted inflation into account.

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Note: This calculator assumes your contributions will increase in line with inflation.

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Retirement Calculator
Four easy steps to secure your retirement
Let’s see how much you need to start saving so that you can have the retirement you want
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This is what you will need to start saving every month to achieve your goal
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The calculator assumes that you will retire at age 65.

The calculator assumes inflation of 5%.

The calculation assumes an income for 22 years in retirement, starting at age 65.

The calculation assumes that your payout will increase in line with inflation.

This is an illustration based on the data you have provided. It is not a quotation and will not form part of any contractual agreement with GIB Financial Services. Projected values are not guaranteed. This illustration does not take the following into account: product charges, investment fees, tax obligations, and tax benefits. Please speak to a GIB financial planner or your broker for information on this subject.

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Retirement Services

It is increasingly becoming important for individuals to become personally responsible for their own retirement. As a result, they need solutions that are simple and effective. At GIB we pride ourselves on offering and maintaining service excellence by respecting our clients earning through regular assessments to ensure their retirement benefits and other investments are most suited to their needs.

Plan for the retirement lifestyle you want

Plan for the retirement lifestyle you want

It is important to know how much you need to save to be comfortable at retirement as well as not get into debt now. Most experts say you should have a comfortable retirement if you have between 70 -80% of your current income.

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Retirement Products

A retirement annuity (RA) is a retirement fund in terms of the Pension Funds Act. It is a tax effective investment vehicle designed for individual investors as opposed to employees who contribute to a workplace retirement fund.

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Destiny’s Preservation Funds enable employees who leave a retirement fund to reinvest and preserve the funds that they have accumulated in a pension or provident fund in a money smart and tax-effective manner.

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A living annuity allows you to earn an income from it while your capital is invested. The Momentum Living Annuity now gives you the opportunity to invest in the dependable, top-performing Destiny Portfolios during your retirement. These portfolios make use of a dynamic investment strategy that blends active and passive investment strategies in a cost effective solution.

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