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Tuesday, 30 June 2015 - 20:00
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Seed Weekly - How Much Is Enough?
When people hear that I am a Financial Advisor the first question that is most often asked is, “how much money do I need to retire?” Unfortunately there is no easy answer to this question. There are basically three factors that need to be taken into account when determining “How much is enough to retire on?”
Living Expenses
It stands to reason that the bigger your monthly budget the more capital you will need at retirement. If you are still paying off debt and still paying for children’s tuition etc. and have expensive hobbies like travel, helicopters or offshore holiday homes all of these factors will mean that you need a lot more money at retirement than (Joe stay at home) with no dependent kids and a paid off house.
Time
The length of time that your money needs to last for is a critical component when determining how much money you need at retirement. Everything else being equal, a 55 year old with a 40 year old wife will need a lot more capital than an 80 year old widow. Because of the huge effects of compounding inflation, the longer the money needs to last (the younger the person is) the more capital is required to fund your retirement.
Returns
Obviously the higher your investment returns are, the lower your capital needs will be. It needs to be borne in mind, however, that higher expected investment returns are coupled at the tote with higher investment risk. Because most people have greatly reduced earning capacity after retirement, it is a lot more difficult to recover from financial mishaps. Because of this fact many people become too conservative in their investment approach leaving an impossible task for the Financial Advisor to create a viable portfolio. I generally find that most retirees can’t stomach the volatility in portfolios targeting in excess of inflation plus 5%, but that due to capital constraints, most need at least inflation plus 3%.
Differences
A 55 year old wanting to retire on an inflation adjusted income of R17 000 pm (until age 100) would need at least R5 000 000, whilst a 75 year old with the same parameters would only need R3 800 000.
A 55 year old wanting to retire on an inflation adjusted income of R30 000 pm (until age 100) would need at least R9 000 000, whilst a 75 year old with the same parameters would only need R7 000 000.
As you can see, with the large number of variables in play “How much is enough?” is not an easy question to give a blanket answer to.
It is important to get a handle on the three questions (how much do I need to live off each month, when am I going to stop saving, what returns am I going to target) to have a chance to getting a ball park idea of how much is needed at retirement. Once your target has been established you can make a plan to work to achieve it. Financial Advisors are equipped to not only help you determine a realistic target retirement pot, but also (more importantly) help you with your plan to get there.
Kind regards,
Barry Hugo
Tel 021-914-4966
Fax 021-914-4912
Email info@seedinvestments.co.za
Seed is hiring: Click through to our LinkedIn profile to see available vacancies
Tue, 30 Jun 2015Top News
![[IMAGE]](image.php@width=300&height=150&cropratio=2%253A1&image=%252Fnews_images_sn%252F1376481030.jpg "5pm market wrap") Local markets
On Tuesday, the JSE All Share ended down 0.37% as 3.77% losses in gold miners and 4.09% losses in resource shares weighed on the local bourse. Full story ![[IMAGE]](image.php@width=300&height=150&cropratio=2%253A1&image=%252Fnewsimages%252F2015-06-30T141855Z_1007950001_LYNXNPEB5T0QY_RTROPTP_3_OZABS-US-SAFRICA-MAIZE-FORECASTS.JPG "Mthimkhulu inspects his crop at his farm in Senekal") South Africa lowered its 2015 maize output by almost one percent to 9.755 million tonnes on Tuesday, citing the slow pace of deliveries from the field to silos, the government's Crop Estimates Committee (CEC) said.
The maize crop in the continent's biggest producer will consist of Full story |
 More than 100 people were feared dead after a military transport plane ploughed into a residential area shortly after take-off in northern Indonesia on Tuesday, in what may be the deadliest accident yet for an air force with a long history of crashes. Full story  German Chancellor Angela Merkel ruled out new negotiations with Greece until after it votes on a proposal from creditors, leaving virtually no hope left to avert a midnight default despite a plea from Athens for a last-minute bailout extension. Full story  Two passengers on a Japanese Shinkansen bullet train died on Tuesday after one doused himself in oil and set it ablaze, police said, but there was no immediate indication of a motive for the action that left 26 others injured. Full story |
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Markets |
Stocks on Wall Street rose in
choppy trade on Tuesday and a global equities gauge ticked up,
while the euro remained under pressure. . . Full story |
Gold prices fell on Tuesday as
the prospect that Greece will default on a repayment to the
International Monetary Fund knocked the euro. . . Full story |
Hong Kong stocks reversed early losses
and ended Tuesday firmer, cheered by sharply rebounding mainland
shares, but the excitement was curbed by weak. . . Full story |
China stocks ended Tuesday
sharply higher, reversing a tumble in morning trade, as a slew
of government measures to stem a two-week-long market. . . Full story | |||
Australian shares rose 0.67
percent after slumping to five-month lows early on Tuesday as
investors waited for developments in the possible Greek debt
default. . . Full story |
Japan's Nikkei share average
rebounded on Tuesday after posting its second-biggest daily drop
this year in the previous session, but the market remained
cautious. . . Full story |
U.S. stocks added to a global
selloff on Monday as Greece veered toward a default on its debt,
while the euro recovered from. . . Full story |
Gold firmed on Monday,
as the prospect of a Greek debt default hit global shares,
offsetting wariness among investors over the metal's longer-term
outlook.. . . Full story | ||||
SA Business |
South Africa's trade balance swung into a 4.99 billion rand ($410 million) surplus in May from a revised 1.44 billion. . . Full story |
South Africa's rand was off the previous day's two-week lows against the dollar in early Tuesday trade, helped by short-covering from. . . Full story |
India's largest utility and tractor producer, Mahindra and Mahindra, has set up an Africa-focused business unit as it looks to maintain. . . Full story |
South Africa's private sector credit demand increased by 9.53 percent year-on-year in May compared with 9.35 percent in April, central. . . Full story | |||
An eyebrow-raising disclosure in the U.S. indictment of FIFA officials is that a representative of a Caribbean bank made it easy. . . Full story | South Africa's competition watchdog has recommended Japanese shipping firm Nippon Yusen Kabushiki Kaisha Ltd (NYK) pay a 104 million rand ($8.5. . . Full story | South African iron ore and manganese producer Assore said on Tuesday its full year earnings are expected to be up to. . . Full story | It's not hard to see why a
private equity firm might buy Woolworths Ltd's
up-market grocery chain for $15 million: the last. . . Full story |
China will hold over a quarter
of the votes in the new Asian Infrastructure Investment Bank
(AIIB), its finance ministry said on Monday, giving it a veto in
some key decisions despite Beijing insisting it will not have
such powers.. . . Full story |
Company News |
Shareholders are referred to the announcements on SENS by Alaris on 19 February 2015 and 1 April 2015 (ôPrevious Announcementsö) in. . . Full story |
Further to the announcements released on SENS on 21 April 2015 and 29 May 2015 (and using the terms defined therein. . . Full story |
Shareholders are advised that, at the annual general meeting of Taste held today, all the resolutions as set out in the. . . Full story |
Shareholders are advised that the CompanyÆs majority shareholder, SA Firehouse Limited, a wholly owned subsidiary company of the ultimate holding company. . . Full story | |||
Shareholders are referred to the announcements released on SENS on Wednesday, 17 June 2015 and Tuesday, 23 June 2015 in respect. . . Full story |
On 25 September 2007 Keaton Energy Holdings Limited (ôKEHö), Camden Bay Investments 64 Proprietary Limited (ôCamden Bayö) and Amalahle Exploration Proprietary. . . Full story |
Distribution of integrated annual report
With regard to the audited results for the year ended 31 March 2015, shareholders are advised that. . . Full story |
In accordance with the Financial Services Authority's Disclosure and Transparency Rules, the total number of ordinary shares of Central Rand Gold. . . Full story | ||||
Company Results | Revenue for the nine month period decreased to R73.5 million (R79.8 million). Gross profit fell to R23.6 million (R24.4 million). Operating. . . Full story | Total revenue for the year increased by 21% to NAD1 billion (2014: NAD843.6 million). Profit for the period jumped to NAD303.2. . . Full story | Revenue shot up to R73.1 billion (2014: R62.7 billion). Operating profit lowered to R1.6 billion (2014: R2 billion), profit attributable to. . . Full story | Revenue for the year lowered to R1.8 million (R1.9 million). Operating profit came in at R58.1 million (loss of R184.2 million).. . . Full story |
World Markets (Spot Prices)
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The JSE Today
| Date | Adv. | Decl. | Unch. | Actives | Volume | Value | Trades | Orders |
|---|---|---|---|---|---|---|---|---|
| 30/06/2015 | 199 | 156 | 55 | 410 | 259,989,267 | R20,187,800,382 | 211912 | 1485775 |
| 29/06/2015 | 112 | 260 | 45 | 417 | 201,469,198 | R14,459,715,689 | 176398 | 974988 |
| 26/06/2015 | 173 | 184 | 61 | 418 | 206,768,242 | R15,383,880,170 | 195084 | 1431056 |
| 25/06/2015 | 229 | 138 | 60 | 427 | 270,443,763 | R18,985,321,671 | 244810 | 1638156 |
| 24/06/2015 | 147 | 194 | 70 | 411 | 236,239,721 | R16,053,706,686 | 202772 | 1538794 |
Major Moves Up
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Major Moves Down
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New Lows
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Index Summary
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Stock Exchange News Service
| Date | Time | Headline |
| 30/06/2015 | 17:44 | ALEXANDER FORBES GROUP HOLDINGS LIMITED - No change statement and notice of annu... |
| 30/06/2015 | 17:44 | ALARIS HOLDINGS LIMITED - Acquisition of ARA Agreement Formalised and Signed |
| 30/06/2015 | 17:42 | AFRICAN BANK INVESTMENTS LIMITED - Quarterly update in terms of Section 1.10(c) ... |
| 30/06/2015 | 17:41 | AFRICAN BANK INVESTMENTS LIMITED - Cautionary announcement: Offer received for t... |
| 30/06/2015 | 17:38 | PRECINCT FUNDING 1 (RF) LTD - Precinct Funding 1 (RF) Limited - Annual Financial... |
| 30/06/2015 | 17:30 | NEDBANK GROUP LIMITED - Dealings in securities by a director |
| 30/06/2015 | 17:17 | JSE LIMITED - Index Change Advice - 20150803 Rebasing of FTSEJSE General Retaile... |
| 30/06/2015 | 17:15 | JSE LIMITED - Index Change Advice - 20150708 Sirius Real Estate Shares In Issue ... |
| 30/06/2015 | 17:12 | JSE LIMITED - Index Change Advice - 20150803 Rebasing of FTSEJSE Banks Capital I... |
| 30/06/2015 | 17:10 | JSE LIMITED - Index Change Advice - 20150708 Atlantic Leaf Properties Shares In ... |
| 30/06/2015 | 17:10 | INTERWASTE HOLDINGS LIMITED - Results of annual general meeting |
| 30/06/2015 | 17:07 | JSE LIMITED - Index Change Advice - 20150803 Rebasing of FTSEJSE SA Financials a... |
| 30/06/2015 | 17:05 | TASTE HOLDINGS LIMITED - Results of General Meeting |
| 30/06/2015 | 17:05 | JSE LIMITED - Index Change Advice - 20150708 Tower Property Fund Shares In Issue... |
| 30/06/2015 | 17:03 | REBOSIS PROPERTY FUND LIMITED - REB01 R100m Tap Issue |
| 30/06/2015 | 17:00 | TASTE HOLDINGS LIMITED - Results of Annual General Meeting |
| 30/06/2015 | 17:00 | ZURICH INSURANCE COMPANY S A LTD - Detailed cautionary announcement |
| 30/06/2015 | 17:00 | DATATEC LIMITED - Dealing in securities by a director and the company secretary |
| 30/06/2015 | 17:00 | FAIRVEST PROPERTY HOLDINGS LIMITED - Dealing in securities by associates of a di... |
| 30/06/2015 | 17:00 | ELLIES HOLDINGS LIMITED - Posting of rights offer circular |
| 30/06/2015 | 17:00 | LODESTONE REIT LIMITED - No change statement and notice of annual general meetin... |
| 30/06/2015 | 17:00 | KEATON ENERGY HOLDINGS LIMITED - Small related party transaction relating to the... |
| 30/06/2015 | 16:47 | STANLIB COLLECTIVE INVESTMENTS LTD - Publication of 2014 Annual Financial Statem... |
| 30/06/2015 | 16:46 | STANLIB COLLECTIVE INVESTMENTS LTD - Publication of 2014 Annual Financial Statem... |
| 30/06/2015 | 16:45 | AMALGAMATED ELECTRONIC CORP LTD - Condensed Provisional Consolidated Reviewed Re... |
| 30/06/2015 | 16:45 | ATTACQ LIMITED - Dealing in securities by a director of Attacq |
| 30/06/2015 | 16:45 | STANLIB COLLECTIVE INVESTMENTS LTD - Publication of 2014 Annual Financial Statem... |
| 30/06/2015 | 16:40 | FAMOUS BRANDS LIMITED - Dealings in Securitiese by a Director |
| 30/06/2015 | 16:35 | JASCO ELECTRONICS HOLDINGS LIMITED - Director dealing in securities |
| 30/06/2015 | 16:35 | ECSPONENT LIMITED - Notice of an acquisition and disposal of a beneficial inter... |
| 30/06/2015 | 16:30 | ECSPONENT LIMITED - No change statement, notice of annual general meeting and c... |
| 30/06/2015 | 16:25 | LEWIS GROUP LIMITED - No change statement and notice of Annual General Meeting |
| 30/06/2015 | 16:25 | BARCLAYS BANK PLC - BAR003-Interest Rate Reset |
| 30/06/2015 | 16:20 | PALLINGHURST RESOURCES LIMITED - Posting of the Annual Report |
| 30/06/2015 | 16:20 | OLD MUTUAL PLC - Public Opening Position Disclosure/Dealing Disclosure by a Pers... |
| 30/06/2015 | 16:20 | CHROMETCO LIMITED - Appointment to the Board of Directors |
| 30/06/2015 | 16:10 | OLD MUTUAL PLC - Public Opening Position Disclosure/Dealing Disclosure by a Pers... |
| 30/06/2015 | 16:00 | CLOVER INDUSTRIES LIMITED - Allocation and acceptance of Share Appreciation Righ... |
| 30/06/2015 | 16:00 | MIRANDA MINERAL HOLDINGS LIMITED - Suspension update and renewal of cautionary a... |
| 30/06/2015 | 16:00 | CENTRAL RAND GOLD LIMITED - Total Voting Rights |
| 30/06/2015 | 15:55 | INTERWASTE HOLDINGS LIMITED - Directors Dealings in Securities |
| 30/06/2015 | 15:54 | ANDULELA INVESTMENT HOLDINGS LTD - No change statement and notice of annual gene... |
| 30/06/2015 | 15:31 | SYCOM PROPERTY FUND - Notification of distribution in respect of the 3 months en... |
| 30/06/2015 | 15:30 | ZCI LIMITED - Update on annual reporting |
| 30/06/2015 | 15:16 | ARROWHEAD PROPERTIES LIMITED - Update regarding Connaught Properties |
| 30/06/2015 | 15:15 | INDLUPLACE PROPERTIES LIMITED - Acquisition of the Connaught Portfolio |
| 30/06/2015 | 15:13 | MMI HOLDINGS LIMITED - Dealings in Securities by Director and Associate |
| 30/06/2015 | 15:10 | FIRSTRAND BANK LIMITED - FRX26 - Listing of Tap Issue |
| 30/06/2015 | 15:07 | CARTRACK HOLDINGS LIMITED - Proxy Form Amendment |
| 30/06/2015 | 15:00 | BAYPORT SECURITISATION (RF) LTD - Interest Rate Reset Announcement |
| 30/06/2015 | 15:00 | TONGAAT HULETT LIMITED - Tongaat Hulett: Integrated Annual Report, No Change Sta... |
| 30/06/2015 | 15:00 | CHEMICAL SPECIALITIES LIMITED - Outcome of application in terms of Companies Act... |
| 30/06/2015 | 15:00 | SOUTH OCEAN HOLDINGS LIMITED - No Change Statement and Notice of Annual General ... |
| 30/06/2015 | 14:57 | STRATCORP LIMITED - Reviewed condensed provisional consolidated financial result... |
| 30/06/2015 | 14:45 | EQSTRA HOLDINGS LIMITED - Dealing in securities by a director, director of a maj... |
| 30/06/2015 | 14:38 | STRATCORP LIMITED - Change to the board |
| 30/06/2015 | 14:30 | ASSORE LIMITED - Trading Statement |
| 30/06/2015 | 14:25 | ABSA CAPITAL - New Financial Instrument Listing - LPEGB9 |
| 30/06/2015 | 14:25 | FIRSTRAND LIMITED - Dealings in securities by director and associate |
| 30/06/2015 | 14:24 | SENTULA MINING LIMITED - Dealings in Securities by a Director |
| 30/06/2015 | 14:00 | INVESTEC PLC - Investec Plc - Voting Rights and Capital |
| 30/06/2015 | 13:44 | TRANS HEX GROUP LIMITED - Notice of Annual General Meeting and No Change Stateme... |
| 30/06/2015 | 13:40 | ABSA BANK LIMITED - ACL092-Interest Rate Reset |
| 30/06/2015 | 13:39 | ABSA BANK LIMITED - ABN55-Interest Rate Reset |
| 30/06/2015 | 13:20 | ASCENDIS HEALTH LIMITED - Notification in terms of Section 122(3) of the Compani... |
| 30/06/2015 | 13:20 | INVICTA HOLDINGS LIMITED - Directors dealings in securities |
| 30/06/2015 | 13:20 | FINBOND GROUP LIMITED - Results of Annual General Meeting |
| 30/06/2015 | 13:19 | SYNERGY INCOME FUND LIMITED - No change statement and notice of annual general m... |
| 30/06/2015 | 13:19 | PPC LIMITED - PPC002-Interest Rate Reset |
| 30/06/2015 | 13:18 | VUKILE PROPERTY FUND LIMITED - No change statement and notice of annual general ... |
| 30/06/2015 | 13:00 | ERIN ENERGY CORPORATION - Erin Energy added to Russell Indexes |
| 30/06/2015 | 13:00 | BARCLAYS AFRICA GROUP LIMITED - Notice of Release of Interim Financial Results f... |
| 30/06/2015 | 12:58 | NEWFUNDS COLLECTIVE INVEST SCHEME - GIVIND-Additional Listing of NewFunds S&P GI... |
| 30/06/2015 | 12:45 | HWANGE COLLIERY COMPANY LIMITED - Further Cautionary Statement |
| 30/06/2015 | 12:34 | SUPER GROUP LIMITED - Changes to the board of directors of Super Group |
| 30/06/2015 | 12:22 | TOTAL CLIENT SERVICES LIMITED - Quarterly Progress Report |
| 30/06/2015 | 12:20 | NEW GOLD ISSUER LIMITED - NGPLT-Additional Listing of NewGold Platinum Debenture... |
| 30/06/2015 | 12:17 | SOUTH32 LIMITED - Notification of Change of Interests of Directors, Other Person... |
| 30/06/2015 | 12:05 | SOUTH32 LIMITED - Notification of Change of Interests of Directors, Other Person... |
| 30/06/2015 | 12:00 | INVESTEC LIMITED - Preference share dividend announcement |
| 30/06/2015 | 12:00 | SOUTH32 LIMITED - Notification of Change of Interests of Directors, Other Person... |
| 30/06/2015 | 12:00 | INVESTEC LIMITED - Preference share dividend announcement |
| 30/06/2015 | 11:58 | SOUTH32 LIMITED - Notification of Change of Interests of Directors, Other Person... |
| 30/06/2015 | 11:55 | SOUTH32 LIMITED - Notification of Change of Interests of Directors, Other Person... |
| 30/06/2015 | 11:45 | SABMILLER PLC - Total voting rights and capital |
| 30/06/2015 | 11:44 | CONSOLIDATED INFRASTRUCTURE GRP LTD - Consolidated Infrastructure Group Limited ... |
| 30/06/2015 | 11:43 | CONSOLIDATED INFRASTRUCTURE GRP LTD - Consolidated Infrastructure Group Limited ... |
| 30/06/2015 | 11:42 | CONSOLIDATED INFRASTRUCTURE GRP LTD - Consolidated Infrastructure Group Limited ... |
| 30/06/2015 | 11:41 | MAZOR GROUP LIMITED - Results of Annual General Meeting |
| 30/06/2015 | 11:05 | TONGAAT HULETT LIMITED - Granting of Rights to Participate in Share Incentive Pl... |
| 30/06/2015 | 11:05 | OMNIA HOLDINGS LIMITED - Dealings in Securities by a Director |
| 30/06/2015 | 11:05 | TELKOM SA SOC LIMITED - TKG - BCX - Joint Update Announcement: Acquisition by Te... |
| 30/06/2015 | 11:00 | OANDO PLC - Reaches agreement to sell an equity stake in its downstream business... |
| 30/06/2015 | 10:30 | CAPITAL & COUNTIES PROPERTIES PLC - Total Voting Rights - Disclosure |
| 30/06/2015 | 10:09 | EDCON LIMITED - Exchange offer and consent solicitation for any and all of its ... |
| 30/06/2015 | 10:05 | TEXTON PROPERTY FUND LIMITED - Changes to the Investment Committee and Social an... |
| 30/06/2015 | 10:00 | NEW FRONTIER PROPERTIES LIMITED - Results of annual general meeting |
| 30/06/2015 | 09:48 | EDCON LIMITED - Release of Annual Report |
| 30/06/2015 | 09:45 | INSIMBI REFRACTORY & ALLOY SUP LTD - Further Cautionary Announcement |
| 30/06/2015 | 09:30 | ASPEN PHARMACARE HOLDINGS LIMITED - Changes in Aspen's Black Economic Empowermen... |
| 30/06/2015 | 09:10 | SASOL LIMITED - Sasol provides additional historical disclosure for Performance ... |
| 30/06/2015 | 09:02 | NEDBANK LIMITED - New Financial Instrument(s) Listing - NED19;NED20 |
| 30/06/2015 | 09:00 | KEATON ENERGY HOLDINGS LIMITED - Share Dealings in Securities by CEO and CFO |
| 30/06/2015 | 09:00 | JUBILEE PLATINUM PLC - Tranche 2 of beneficial interest in DCM platinum recovery... |
| 30/06/2015 | 09:00 | ARGENT INDUSTRIAL LIMITED - Abridged Audited Condensed Consolidated Results for ... |
| 30/06/2015 | 09:00 | INVESTEC BANK LTD - Notice of the Annual General Meeting, Issue of the Annual Fi... |
| 30/06/2015 | 08:50 | NICTUS BEPERK - Final dividend for the year ended 31 March 2015 |
| 30/06/2015 | 08:49 | NICTUS BEPERK - Summarised report relating to the audited financial results for ... |
| 30/06/2015 | 08:08 | MPACT LIMITED - Dealings in securities by the Mpact Limited Incentive Scheme Tru... |
| 30/06/2015 | 08:00 | SASFIN HOLDINGS LIMITED - Quarterly report in terms of Regulation 43(1)(e)(ii) |
| 30/06/2015 | 08:00 | INVESTEC PLC - Notice of Annual General Meetings, Notice of Class Meeting, Issue... |
| 30/06/2015 | 08:00 | AFRICAN BANK LIMITED - Quarterly update in terms of Section 1.10(c) of the JSE L... |
| 30/06/2015 | 07:59 | INVESTEC PROPERTY FUND LIMITED - Notice of Annual General Meeting, Issue of the ... |
| 30/06/2015 | 07:58 | INVESTEC AUSTRALIA PROPERTY FUND - No Change Statement and Notice of Annual Gene... |
| 30/06/2015 | 07:30 | WESCOAL HOLDINGS LIMITED - Director dealing in securities |
| 30/06/2015 | 07:11 | GIYANI GOLD CORPORATION - Results of AGM and special general meeting |
| 30/06/2015 | 07:05 | MASTER DRILLING GROUP LTD - MDI - Integerated Annual Report and Notice of AGM |
Click here for more SENS news