So you’ve worked hard, put money away, and now you’ve chosen to retire (or are considering retiring soon). If you’ve saved consistently, well done! You’re in the minority of South Africans who have managed to stick to a workable retirement savings plan. Now the question is, how do you keep from depleting those savings and running out of money? Here we’ll discuss the golden ‘retirement equation’ you should use when thinking about your retirement finances. That equation is, very simply, that your ‘costs’ need to be equal to or less than the returns on your investments:

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