If you don’t own a retirement annuity , should you be taking one out? If you do, should you be topping it up?
But the same survey identified why many South Africans aren’t saving for retirement – they can’t afford to. He agrees a budget is the key as it can help you pay yourself first from the day you start working – even though it can be difficult to cover your basic needs when you start out. Gradidge says an RA protects your savings from creditors. Being self-employed is really tough and many businesses fail over time, he warns.
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