retirement

All INVESTMENTS For RETIREMENT

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Its important to understand that time spent in the Stock Market is better than Time spent waiting trying to catch the bottom and top

Retirement

The Threats to a HAPPY Retirement!

	FAILING TO PLAN - You are not getting any younger! Without a properly structured plan, you will not have an exciting and joy-filled retirement. You will be a pensioner, relying on the goodwill of the State or your family.
	FAILING TO RECEIVE A PENSION - Self-employed? Your pension is up to you. And if you are employed, chances are your pension will not be enough
	THE COST OF MEDICAL AID - Think your premium is high now? Just wait till you retire! You need to provide money just for your contributions in retirement. And you don't want to use your precious retirement capital on contributions.
	NOT TAKING NOTE OF INFLATION - Money halves in value every eight years! Use high growth investments and increase your contributions every year.
	THE COST OF DELAY - Every year you delay, DRAMATICALLY increases the cost of reaching your target. YOU MUST HAVE A PLAN
	CHANGING JOBS and spending your pension on a holiday or new car is fatal!!!
	HAVING A BOND IN RETIREMENT. - To service a bond will take away a large part of your monthly income, substantially affecting your retirement lifestyle.
	NOT SAVING ENOUGH - Around 20% per month of your GROSS income. Make one of the greatest forces in life, compound interest, work for you.
	The Best Advice You Can Get Is to START a RETIREMENT PLAN Today!

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NO-OBLIGATION-Free Advice-RETIREMENT PLAN

Retirement is going to happen to you!

Given a fair amount of LUCK, you know that one day you will get old and retire, yet so many people start thinking about saving for retirement far too late.
To enjoy a comfortable retirement, you should have more that 10 times your highest annual salary at retirement. A large sum of money indeed! So, you cannot afford to wait!
To help your chances of getting this money, you need to start saving TODAY. Of course it's a long-term INVESTMENT. But, it is an investment you cannot afford to loose.
So, you need a balanced portfolio - some security and some risk. Talk to my PRACTICE for best advice!

Are YOU close to Retirement?

Are you close to retirement and becoming concerned about how much money you will need to retire comfortably?

Are your worried that you may not have enough capital on which to retire?
You have spent a great deal of time and effort in building your business and it forms a great deal of your wealth. Now you are thinking of retirement. Just what role will your business play in your retirement planning? If you are in this position, where you planning to use the value of your business for your retirement, you must have a Business Succession Plan. click here
As a business owner, your retirement plan is more complicated than normal. Your business is not a simple investment. It is part of your life. Your blood, sweat and tears are built into it.
To be able to move from active owner to retiree requires psychological preparation.
It's not an easy process to take. Complex issues around valuing, selling and tax will influence your decision. With most of your retirement capital in your business, you have a higher investment risk. A Business Succession Plan is the only way to clarify what you should do.
You need to address these and other issues well in advance of your intended retirement date.
Without a PLAN click here, you cannot ensure your income and security in your post-business years.

Are YOU ready for Retirement?

Here are some questions you need to have answered;

What are your income needs in retirement?
How will the business meet this need? Will it provide on-going income?
Will you sell it, or redeem your interest over time?
If there is not enough value in the business, have you other retirement savings?
Is your worth mostly in the business? Is your retirement at risk if you cannot realise enough value from it?
Have you an exit strategy? Have you considered successors?
If so, have you identified future objectives to be met?
Have you a structured plan for that succession? A time frame for transfer of ownership.
Have you defined the roles for family and non-family members?
Have you communicated your plan to suppliers, creditors and most importantly - your staff?
What about shareholder's agreements, your Will click here and insurance portfolios?
And the most vital need - what about the death or disability of your successors?
You don't want your future income to be affected by their loss.
Have you a backup plan in case your main plan fails?
What about family members who do not wish to be in your business?
You need to treat them equally.

Have you other assets or insurance to meet their needs?

Do you need to financially assist your successors while they settle into their new roles?

You will need professional advice, someone who can assist you in formulating a retirement plan that will best meet your future needs... someone who is outside of your business, with a critical eye to point out potential threats. Don't delay call me and my PRACTICE will assist you!

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retirement