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How to ... choose between a guaranteed annuity and a living one

The two main types of pension available to you when you retire are an investment-based one, which is vulnerable to the vagaries of the open market, or a life-assurance-based one, which guarantees you an income for the rest of your life. In the final part of our series on how to save for retirement, we weigh up the pros and cons of each.

30 October 2010 | Personal Finance

How to ... structure your pension before retiring

Careful planning around how your retirement savings are invested and how they will be used may make the difference between a comfortable retirement and a miserable one, though nothing can make up for a lack of savings. In the fourth part of this series on how to save for retirement, Personal Finance looks at your choice of pension and how to plan accordingly.

25 October 2010 | Personal Finance

How to ... preserve your savings until retirement

Too many South Africans treat their retirement savings like a bank account from which they withdraw money to spend on other things. The result is poverty in retirement. In the third part of our "How to" series on saving for retirement, we look at what you should do to ensure that you benefit from saving for retirement over the long term.

16 October 2010 | Personal Finance

How to ... plan for your retirement

In the first part of our new "How to" series on savings for your retirement, we look at general factors you need to take into account: the period over which you which focuses save, how much you save, what lifestyle you expect when you retire, and what tax-incentivised investment vehicles are available.

2 October 2010 | Personal Finance

How to ... optimise your group life risk cover

Mind the gap - and the gap could be more than a wide stride - when it comes to the difference between your group life risk cover and what your dependants actually need. In the 10th part of our "How to" series on life assurance, we consider what you need to know about group life risk benefits.

11 September 2010 | Personal Finance

How to ... use credit life assurance

It is extremely important to have life assurance to cover debt should you die, become disabled or are retrenched, but speciality consumer credit life assurance has a history of exploiting consumers. In the ninth part of our "How to" series on life assurance, we cover the important things you need to know about credit life assurance.

4 September 2010 | Personal Finance

How to ... use disability cover

Disability assurance is one of the most problematic areas of life assurance, accounting for most of the complaints submitted to the life assurance ombudsman each year. In the eighth part of our "How to" series on life cover, we look at the different types of disability assurance and the important issues you need to know.

28 August 2010 | Personal Finance

How to plan your finances as a woman

Life assurance has a special role to play for women, particularly in ensuring they will be financially secure in their retirement. In the sixth part of our “How to” series on life assurance, Personal Finance looks at the significant issues all women need to take into account to accommodate their special circumstances.

16 August 2010 | Personal Finance

How to ... plan your finances as a couple

Getting married and starting a family means having a sound financial plan, and life assurance will make up a special part of that plan. A failure to plan properly can mean debilitating poverty for those you love most. In the fifth part of our “How to” series on life assurance, we look at the significant factors that all people in long-term relationships must take into account when planning their finances.

13 August 2010 | Personal Finance

How to ... recognise the level of risk you pose to a life assurance company

Life assurance is not a case of all sizes fit all. Life assurance companies take all sorts of things into account in deciding whterh you are "insurable" or not, and how much they will charge in premiums to cover anything from death to the loss of your job. In the third part of our "How to" series on life assurance, Personal Finance looks at the significant issues involved in determining how risky you are to insure.

24 July 2010 | Personal Finance
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