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Would you ask yourself what age you’ll live to? Maybe 80-year-old you (who’s looking pretty good) reckons you’ll make it to 100. But if stats show that 90% of South Africans retire with less than 50% of their income, isn’t it time you consider whether your savings will last as long as you do?
Glacier by Sanlam’s range of post-retirement solutions will help you secure a sustainable income and ensure that your money grows with you, take a look.
Investing in an Investment-linked Living Annuity (ILLA) is a relatively common way to invest retirement savings on retirement so that you can draw an income. While this does provide flexibility in terms of the level of income drawn, it may mean retirees are taking on more investment risk to avoid longevity risk.
That’s why Glacier launched the Investment-linked Lifetime Income Plan (ILLI), combining features of the guaranteed annuity with the flexibility of the ILLA and providing the certainty of a lifetime retirement income, with the potential to grow your savings in line with market returns.
Many retirees choose to combine the two solutions by investing one portion of their retirement savings in an ILLA and the remainder in an ILLI. This offers a perfect balance between risk and security by creating a portfolio that’s similar in volatility and risk profile to that of the moderate ILLA, but with a potentially higher real income.
Chat to one of our financial planners so we can help you find the most appropriate solution for your individual needs and circumstances.
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Sanlam Reality is the programme that rewards you for looking after your money with discounts on wealth, health and lifestyle. If you invest in one of our post-retirement solutions, you could qualify for a discount of up to 100% on asset management fee – the amount charged by an investment manager for managing your fund. Join today to discover how Sanlam Reality can work for you.
Financial security isn’t about extravagance - it’s the comfort of knowing that your savings will last as long as you do. Financially successful people come from all walks of life, from the CEO to the seamstress, but they all share something in common. And that’s knowing where you’re at now, where you want to go, and having the commitment to stick to your goals.
Use our Needs Assessment Tool to find out how you can build and protect your wealth.
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