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EXPLAINER | Do you need to buy or top up a retirement annuity? | Business

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As February is the last month of the tax year, deciding to make contributions before the end of this month could save you tax for the current tax year, says Laura du Preez. | News24_Business

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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