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Change your living annuity, not your drawdown rate

Johann Swanepoel, Product Actuary, Just SA   Cape Town, 1 June 2020: The relatively poor market returns over the last five years, coupled with the devastating crash in March this year, has exposed the risks associated with standard living annuities where pensioners carry all of the investment ...
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COVID-19 Swings the Spotlight Back onto Emerging Countries’ Debt

While the focus so far has been mainly on China, Europe and the United States, the consequences of the COVID-19 pandemic are likely to be even more severe for emerging economies, says International credit insurer, Coface. Even though their degree of vulnerability to this shock depends on many factors, ...
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TIPS TO PROTECT YOUR CASHFLOW DURING THE COVID-19 PANDEMIC

By Rita Cool, Certified Financial Planner at Alexander Forbes Financial Planning Consultants   The full impact of the COVID-19 pandemic is as yet unknown, but individuals have already begun to have their lives disrupted by the country’s economic shutdown, with retrenchments, salary ...
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Your financial wellbeing has never been more important – now is the time

The outbreak and rapid spread across the globe of COVID-19 shocked the world and left many already struggling economies, and even strong economies, in trouble. The good news is that measures can be implemented to help individuals to cope with the situation. Iemas Insurance Brokers’ experts give ...
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Lockdown learnings for retirement

A volatile financial climate has seen many South African pensioners in living annuities looking to increase their withdrawals to cover current cash shortages. However, retirement income specialist Just advises strongly against this, recommending instead that they find ways to trim their spending, or ...
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From The Glossary »

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Issue By Representation Per Stirpes:

'By representation per stirpes' means that where a beneficiary predeceases the testator, his portion will devolve upon his children (the children of the beneficiary). In other words, if some of the children have already died, the predeceased child's inhereitance is divided equally amongst that child's children.
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