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The Road to Retirement

06.07.2017
By RisCura

Your retirement journey starts now

As at July 2017, RisCura compiled information on how much South Africans need to save, when they need to start saving, and how long they need to save to ensure they can maintain their standard of living. The following scenarios are based on this information and a retirement age of 65 years.

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* All calculations are based on an investment return assumption net of fees of CPI+4%. It is assumed that the pension is taken as a living annuity. A replacement ratio of 75% is targeted, i.e. at retirement the pension should replace 75% of gross income before retirement. The contribution rate is assumed to be net of all admin fees on gross income. The annuity factors used in this calculation is based on prevailing interest rates as at July 2017 and excludes any product costs of these pensions.

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  • RisCura is a global financial services firm with more than $200 billion in assets under advice and reporting. We partner with institutional investors across emerging markets, bringing specialist investment management, advisory, and analytical expertise to help clients make informed, long-term investment decisions.

    Guided by our “Invest with Care” philosophy, we recognise that investment decisions are not only about money and numbers, but about the people and futures they affect. Through tailored solutions, deep research, and a client-centric approach, RisCura helps investors navigate complexity, manage risk, and create lasting value for their beneficiaries.

    RisCura is known for its focus on liability-driven investing, responsible investment practices, investment transparency, reliable valuations, independent risk assessments, performance standards, and long-term investment outcomes.

    Our capabilities span investment advisory, investment management, investment analytics, institutional platform services, and alternative investment services. Across these areas, we combine consistent methodology and proprietary tools with deep local insight, recognising that each market is unique while responsible investing remains universal.