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@spiritwarrior7 I’ve also done some research at my job showing that gold is a) a pretty ineffective tail risk hedge, and b) a pretty ineffective inflation hedge. These are usually the arguments for including gold in a portfolio. Personally, I just park my money in an ETF as belabored as this...

@warriorcatsbooklover The only compelling reason I can see to hold an RA is the estate/creditor protection. For me, the tax argument is less compelling because given my long time to retirement my investment in equities will more than make up for the initial tax bill. The tax upon retirement will...

@pragyana I’m assuming inflation averages 5%. For capital gains tax I’m assuming getting taxed at 18% of my gains (40% x 45%). For RA, I’m assuming contributions I made previously will exhaust the R550k tax free and I’ll get taxed at the highest rate (36%).

@tillotw Yes of course! Thats another motivation for me to have more control over my retirement savings.

@ruien2 It was fine for a trip to France. Somewhere on the Discovery website I got a letter and it was sufficient.

@wrightdjohn Thank you! I wasn’t clear but I’m aware of the 1/3 lump sum and the R550k tax free. In my assumptions I’m assuming my previous contributions will exhaust the R550k and subject me to the highest rate of tax (36%) on my RA. Ah yes, the estate and creditor protection are facts that I...

I’m crunching some numbers on my retirement savings and I’m looking for anyone to point out flaws in my logic or subtleties I may be missing. In terms of my retirement savings, I believe I have 3 options of putting money away. Retirement vehicles Retirement products (pension fund/retirement...