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Most people are rich for a single day in their lives: the day they retire and receive their retirement savings. This moment is more critical than many people realise – it marks the change from saving for retirement to drawing an income from savings that will ideally sustain them until they die. All too often, pensioners end up destitute because they make the wrong decisions once they retire.
It is crucial for retirees to apply themselves to securing a sustainable income. This book, co-written by well-known semi-retired journalist Bruce Cameron and respected financial planner Wouter Fourie, provides a straightforward and comprehensive overview of the vital issues that impact on retirement, such as taxation, investments, healthcare, estate planning and where to live when retired. It also identifies warning signs to look out for in order to avoid financial troubles.
This is the ultimate guide to help you achieve a secure and successful retirement. This new edition is based on the 2019 Budget figures.
Retirement is a time ripe with exciting possibilities that offer fresh choices and the opportunity for a brand new start. Expectations are high now that you have the time and the resource to finally fulfil some long-held wishes and you can now start living the kind of life you've always dreamed of. But retirement is also a time of huge adjustment, both financially and emotionally. All those supposedly life-changing opportunities and choices can, in reality, seem confusing and overwhelming; you've lost your previous professional identity and the prospect of those long, empty days can appear daunting, dull and depressing. So how do you make sure that your retirement turns out to be everything you've always hoped it would be? Brilliant Retirement will help you weigh-up and clearly think through all the opportunities and possibilities that retirement is likely to present and will show you how to plan and prepare so you can approach and live out your retirement with confidence. Deciding when to retire is the first step and these days the choices available are more diverse than ever. Reduced hours, voluntary work, flexible working and career changes are just some of the alternatives to simply stopping work. But how do you choose which, and when, is right for you? Brilliant Retirement will explain all the options, helping you make reasoned and well-informed decisions. Financial concerns are a big consideration and often at the top of any retiree's list. So Brilliant Retirement will help you assess your current and future financial position to make sure it is healthy and robust enough to cope with the likely demands of retirement. A fit mind and body are vital and this book offers a wealth of advice on remaining physically fit and mentally sharp so you can enjoy a long, happy and fulfilling retirement. How do you fill and make the most of all that extra time you'll suddenly have? And how do you manage and adjust to the inevitable changes you will experience in your relationships? Brilliant Retirement will explain what may happen and why, it'll describe the pitfalls to avoid and show you how to make some small changes that will ensure all remains fine on the home front. This book is the culmination of one retired man's mission to bring together everything he wishes he had known when he was retiring; all the information and advice he was unable find when he needed it most. The result is an enlightening, informative and practical combination of personal experiences and the latest research which will help you to make your retirement the best, most happy and most fulfilling time of your life.
Your indispensable guide to a stress-free retirement at an age of YOUR choice …
In this new edition of South Africa’s bestselling property book, Fast-forward Your Retirement through Property, Jason Lee provides up-to-date information on how to build a property portfolio that will allow you to take charge of your financial security for a stress-free retirement.
Retire Rich through Property takes readers through every step of the property process, but goes further by focusing on: finding the right deals for retirement purposes; how to negotiate and finance a property with retirement requirements in mind; and whether to hold on to or sell a property for financial gain.
With myriad insider tips from a property-investment expert, this book will allow the reader to push aside reliance on state- and employer-sponsored retirement benefits and work towards a secure retirement through property.
This easily accessible guide is a must-read for first-time property purchasers and experienced investors alike who are looking to fast-forward their retirement or to retire comfortably at their chosen age
Acting as the executor, representative, or administrator of an estate is a complicated and time-consuming task. It's time consuming, complicated, and emotionally taxing. Here is a comprehensive guide to help you understand the basics of the procedures that settle an estate Readers say it best: "This book covers all aspects of estate settlement in a complete and thorough manner.", "The book is written in easy-to-understand terms, with lots of good practical advice.", "I actually bought it to place in my file cabinet along with my Trust documents, Living Will and other documents", "We liked it so much, I bought this book for a friend who was handling a new estate." .In practical and straightforward language, it covers all aspects of estate administration, including funeral arrangements, organ donation, administering probate, dealing with the deceased's assets and liabilities, and personal representative's compensation. You will understand not only your responsibilities but the responsibilities of those who will be assisting you. Tables of state income tax rates, intestacy laws, and state-by-state probate requirements are also included, and a glossary, index, and list of recommended works complete this handbook.
Don’t you wish you’d started saving and investing when you were
younger? Well, this is the book that aims to get kids thinking about
the basics of money, and lay the solid foundation in financial
education that most of us never had. Featuring playful illustrations,
jokes, and fun facts designed to appeal to even the most easilybored
youngster, Manage Your Money Like a Grownup: The best money advice for
teens covers all the basics South African kids and teens need to know,
Create a new life plan to thrive in your retirement.
"In "Your Retirement, Your Way," Alan and John lead the way to a
new and dynamic definition of retirement. They begin with this
exciting premise: the more you clearly identify your own personal
style, the more you will experience a powerful and fulfilling next
chapter in your life. With the variety of guides and road maps they
provide, including a sample version of the Birkman (a
mini-Birkman), readers can navigate their way to a more confident
phase of life that offers both purpose and renewal."
After years of focusing on career and family, most of us embark on the next phase of life with only a vague idea of what will make us happy. But you can guarantee yourself a long and successful retirement with "Your Retirement, Your Way"! . .
Its revolutionary retirement planning approach combines a powerful self-assessment system based on the Birkman Method--a personality assessment system used by companies and government agencies worldwide--with sophisticated financial planning tools and step-by-step guidelines that allow you to: . . . Define your ideal retirement environment. Determine where you are now, financially, and where you want to be. Map out a solid plan for realizing your dreams in the shortest time possible.
You've probably thought about where you will live in retirement and how you plan to spend your time. But do you know how much income you will need to pay for the type of retirement you want? With Social Security's uncertain future, as well as the increasing cost of healthcare, you need to formulate a retirement strategy with an income stream-available from annuities-that you can't outlive. In The Income Revolution, you will learn what questions to ask and what planning you should do, whether you are years away from retirement or expecting to retire in the near future. This book will help you: * Understand why pensions are disappearing and what you can do if you don't have one * Reallocate your portfolio to reduce your risk from market volatility * Figure out whether you can afford the retirement lifestyle you have chosen * Work with insurance agents and financial planners to find out how much monthly income you need * Learn the differences between fixed and variable annuities * Figure out what type of annuity to consider
Today's stock market is not for the faint hearted. At a time of frightening volatility, the answer is to turn to Burton G. Malkiel's advice in his reassuring, authoritative, gimmick-free and perennially best-selling guide to investing. Long established as the first book to purchase before starting a portfolio, A Random Walk Down Wall Street now features new material on "tax-loss harvesting"; the current bitcoin bubble and automated investment advisers; as well as a brand-new chapter on factor investing and risk parity. And as always, Malkiel's core insights-on stocks and bonds, as well as investment trusts, home ownership and tangible assets like gold and collectibles-along with the book's classic life-cycle guide to investing, will help restore confidence and composure to anyone seeking a calm route through today's financial markets.
Advice and guidance on planning for retirement Retirement Planning For Dummies is a one-stop resource to get up to speed on the critical steps needed to ensure you spend your golden years living in the lap of luxury--or at least in the comfort of your own home. When attempting to plan for retirement, web searching alone can cause you more headaches than answers, leaving many to feel overwhelmed and defeated. This book takes the guesswork out of the subject and guides readers while they plan the largest financial obligation of their life. Take stock of your finances Proactively plan for your financial future Seek the help of professionals or go it alone Use online tools to make retirement planning easier Whether you're just starting out with a 401(k) or you're a seasoned vet with retirement in your near future, this book helps younger and older generations alike how to plan their retirement.
Goodbye tension, hello pension Combining retro photographs with witty captions and quotes, this little book is the perfect way to celebrate your glorious retirement.
"Dychtwald and Morison offer a brilliant and convincing perspective: an essential re-think of what 'aging' and 'retirement' mean today and an invitation to help mobilize the best in the tidal wave of Boomer Third Agers." --Daniel Goleman, PhD, Author, Emotional Intelligence: Why It Can Matter More Than IQ Throughout 99 percent of human history, life expectancy at birth was less than 18 years. Few people had a chance to age. Today, thanks to extraordinary medical, demographic, and economic shifts, most of us expect to live long lives. Consequently, the world is witnessing a powerful new version of retirement, driven by the power and needs of the Baby Boomer generation. Consumers over age 50 account for more than half of all spending and control more than 70% of our total net worth - yet are largely ignored by youth-focused marketers. How will work, family, and retirement be transformed to accommodate two billion people over the age of 60 worldwide? In the coming years, we'll see explosive business growth fueled by this unprecedented longevity revolution. What Retirees Want presents the culmination of 30 years of research by world-famous "Age Wave" expert Ken Dychtwald, Ph.D., and author and consultant Robert Morison. It explains how the aging of the Baby Boomers will forever change our lives, businesses, government programs, and the consumer marketplace. This exciting new stage of life, the "Third Age," poses daunting questions: What will "old" look like in the years ahead? With continued advances in longevity, all of the traditional life-stage markers and boundaries will need to be adjusted. What new products and services will boom as a result of this coming longevity revolution? What unconscious ageist marketing practices are hurting people - and business growth? Will the majority of elder boomers outlive their pensions and retirement savings and how can this financial disaster be prevented? What incredible new technologies of medicine, life extension, and human enhancement await us in the near future? What purposeful new roles can we create for elder boomers so that the aging nations of the Americas, Europe, and Asia capitalize on the upsides of aging? Which pioneering organizations and companies worldwide have created marketing strategies and programs that resonate with the quirky and demanding Boomer generation? In this entertaining, thought-provoking, and wide-ranging book, Dychtwald and Morison explain how individuals, businesses, non-profits, and governments can best prepare for a new era - where the needs and demands of the "Third Age" will set the lifestyle, health, social, marketplace, and political priorities of generations to come.
The SMARTEST MOVES to INCREASE YOUR WEALTH...NOW! You may not be a millionaire now or in six months, but you can become one if you change your mindset and adopt proven financial strategies that have helped countless others become true millionaires. There's no need to live frugally to achieve financial freedom in the future. Instead, you should focus on making smart choices based on your personal needs and wants. Of course, you can't avoid spending some money but you'll want to figure out how to put aside funds and accumulate wealth for later years. Based on advice from the acclaimed newsletter, The Franklin Prosperity Report, you will learn how to: Maximize your Social Security income Make money in real estate without risking your investment Reduce your income tax payments Acquire income-producing dividend stocks Start your own business
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