Annuities

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Blending life and living annuities improves retirement income outcomes

12 March 2026

Financial advisers and planners are increasingly turning to blended annuities to solve the complex challenges their clients face in retirement. These annuities assist in smoothing incomes through lengthier retirements, now often exceeding 35 years in duration.

Living annuities require dynamic management to preserve your capital

03 June 2024

When you buy a living annuity, you sign up for a difficult balancing act – spending your money just fast enough to enjoy a decent standard of living but not so fast that your capital expires before you do, according to Andrew Davison, chairman of the Investments Committee of the Actuarial Society of South Africa (ASSA).

New actuarial research identifies how different investment strategies may prevent capital erosion in living annuities

04 October 2023

Adopting an aggressive investment strategy in retirement seems counterintuitive. New actuarial modelling shows, however, that most living annuity investors need to consider higher equity exposure together with lower drawdown rates to avoid running out of money.

Ensuring living annuity income longevity

09 March 2023

ASISA (The Association for Savings & Investment South Africa) has certain suggested income drawdown levels for investors in living annuities, which are based on age and gender. These guidelines are advantageous, but they don’t necessarily include different risk scenarios. In this article, I present some easy-to-follow ideas which benefit the client and intermediary alike.

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Would you willingly give up your medical scheme membership under a fully implemented NHI?

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