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How to manage the income from your investments during retirement

24 August 2017 7:34 PM
Tags:
Warren Ingram
Retirement
Retirement income
Income
Personal finance
investments
Living annuities
Living annuity

Returns are low, interest rates are dropping and politics are uncertain. Tips from personal finance guru Warren Ingram...

(Also read: "How to invest your retirement funds in post-downgrade South Africa".)

There is a new financial planning association that is trying to make a name for itself by creating hype around the dangers of living annuities and the threat they pose to retirees.

Some media outlets have picked up on this up and are running with it.

The Money Show’s Bruce Whitfield interviewed Galileo Capital Personal Financial Advisor Warren Ingram.

Ingram believes there is some merit to the argument, but that the concerns are overplayed.

How do you manage income from your investments during retirement when…

  • Returns from the JSE are low.

  • Interest rates are dropping.

  • The rand is trading in a range.

  • Listed properties are generally struggling and yields might be compromised as the economy stagnates.

Ingram had some advice for investors, and discussed the following:

  • Diversify sources of income.

  • Living annuities vs guaranteed annuities.

  • The merit, or lack of, guaranteed products at this time.

  • The dangers of overinvesting in rand hedges.

  • The danger of “binary” decisions (e.g. sit on cash until December’s elective conference, or invest only in developed markets overseas).

For more detail; listen to the interview in the audio below.

Click here (then “like” the page) to follow Bruce on Facebook.

Enter your email address in the form below to receive a newsletter containing the most-read articles of the week from Bruce Whitfield’s The Money Show every Friday morning in your inbox.


24 August 2017 7:34 PM
Tags:
Warren Ingram
Retirement
Retirement income
Income
Personal finance
investments
Living annuities
Living annuity

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