FINANCIAL PLANNING FAQs

Practical answers to help you understand your options and make informed financial decisions.

Financial planning timeline diagram by Ben Vagle Financial Services — illustrating long-term financial milestones from your 20s to 80s, symbolising growth, clarity, and strategic planning for South African professionals.

  • Inflation steadily erodes the buying power of your money over time.
    That’s why your financial plan needs to account for rising living costs even after retirement.
    Together, we’ll plan for your current needs and your future goals so your lifestyle can remain secure no matter how inflation moves

  • SARS allows you to deduct up to 27.5% of your annual income (up to R350,000 per year) towards retirement savings.
    This effectively means that if you’re in a 45% tax bracket, SARS funds almost half your contribution through tax deductions — giving you more growth potential while saving for retirement.

  • A useful guideline is the “4% rule.” If your investments grow between 7.5% and 10% per year and you withdraw only 4%, your income should keep up with inflation.
    This balance helps preserve your capital while allowing your lifestyle to grow sustainably over time.

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Let’s work together to create a strategy that supports your goals — today and in the future.

* Every great plan starts with a conversation. All enquiries are handled with complete confidentiality