Retirement Funds
Understanding Your Retirement Needs
Modern retirement planning requires clear vision and sophisticated modeling. We calculate your retirement funding gap, project inflation-adjusted income needs, model different scenarios, and optimize contributions for maximum tax benefits while considering increasing life expectancies and healthcare costs.
Retirement Fund Options
Pension Funds
Traditional pension funds provide guaranteed monthly income for life with spousal benefits and professional management. Ideal for those seeking certainty and predictable retirement outcomes.
Provident Funds
Offering lump sum access at retirement with tax-efficient growth and flexibility. Perfect for those wanting control over their retirement capital with the option to purchase annuities.
Retirement Annuities (RAs)
Personal retirement savings with tax deductions up to 27.5% of income, creditor protection, and portability between employers. Essential for self-employed individuals or supplementing employer funds.
Preservation Funds
Protect accumulated savings when changing jobs while maintaining tax benefits and compound growth. Limited access available if needed.
Living Annuities
For retirees seeking flexibility with income drawdowns between 2.5% to 17.5% annually, investment control, and legacy benefits for beneficiaries.
Guaranteed Annuities
Provide income guaranteed for life with protection against longevity risk, inflation-linked increases, and spousal continuation benefits.
Why Get a Quote from Mpumelelo?
The most useful time to seek professional business advice and support is before starting. A business startup consulting firm works directly with the client to identify the most critical first and next steps
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Take the first step toward financial security with a complimentary consultation. Our certified financial advisors will review your current situation, identify opportunities, and create a personalized roadmap to achieve your goals.