Retirement Planning

Plan Today. Retire with Confidence.

Retirement is one of life’s most important financial milestones. Whether you’re just starting your career, building your wealth, approaching retirement, or already enjoying retirement, the decisions you make today will shape your financial security tomorrow.

At Anova Wealth, we provide independent retirement planning advice tailored to your unique circumstances, helping you build, preserve, and manage your retirement wealth with confidence.

Our advisers take the time to understand your goals, lifestyle aspirations, family responsibilities, and financial position before developing a personalised retirement strategy designed to support you throughout every stage of your retirement journey.

Building Your Retirement Wealth

The earlier you begin saving for retirement, the greater the opportunity to benefit from long-term investment growth. We help you develop a disciplined retirement savings strategy that aligns with your income, investment objectives, and tolerance for risk.

Our Retirement Planning Solutions Include:

  • Retirement Annuities
  • Tax-efficient retirement savings strategies
  • Investment portfolio construction
  • Retirement projections and gap analysis
  • Regular investment reviews and portfolio rebalancing

Preparing for retirement

As retirement approaches, your financial priorities begin to change. We work with you to determine whether your retirement savings are sufficient to meet your future income needs and lifestyle expectations.

Our Retirement Planning Solutions Include:

  • Retirement income planning
  • Retirement affordability assessments
  • Cash flow projections
  • Estate planning considerations
  • Investment risk management

Our goal is to help you retire with confidence, knowing your financial future has been carefully planned.

Living in Retirement

Retirement is not the end of financial planning—it is the beginning of a new financial journey.

We help retirees structure sustainable retirement income while balancing investment growth, capital preservation, inflation and legacy planning.

Our advisers provide guidance on:

  • Living Annuities
  • Life Annuities
  • Retirement income strategies
  • Investment portfolio management
  • Annual income reviews
  • Beneficiary and estate planning

We continue to review your financial plan regularly to ensure it remains aligned with your changing needs throughout retirement.

Changing Jobs

Preserve and grow your retirement money when you change employers

Minimum Contribution
From R 50 000 lump sum
Investment Period
Access your benefits from age 55
Features
Enjoy tax-free growth
Wide choice of investment funds and solutions to suit your needs and goals

At Retirement

When you retire, you have to use at least two- thirds of your retirement savings in your retirement fund to purchase an annuity, subject to certain exceptions.

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Life Annuity

  • Guarantees you a specified income fr the rest of your life, and you don’t make any investment decisions
  • Your income will be be paid for as long as you live
  • If you die, the part of the annuity that would have been paid until the end of the guaranteed term will be paid to your nominated beneficiaries
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Living Annuity

  • Offers you flexibility to decide how you want to invest your retirement savings and how much income you want to receive, within certain limits
  • Your income will stop once the capital is depleted
  • If you die while there is still a portion of your capital left, it will be paid to your nominated beneficiaries
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Wealth Management

  • Ask our Advisors to suggest investment solutions for your one-third retirement payout that would meet you goals