Marcus Malesela

                                                                   Photo by MART PRODUCTION on pexels Retirement is often looked at as a reward for a long working career, and an opportunity to do what we want when we want. But is retirement a cultural concept? Are 'the born-free' changing the meaning of retirement?   When I was young, I were told that retirement was fun, with all the packages that had to come with it, the Gold watch received after working our tails off to get there, or the retirement package which most of the businesses or industries today no longer go along with it (pension funds)   I don't remember my father receiving a Gold watch after his retirement, or did he even go for retirement? I don't remember my old folk going for retirement or even heard him...

Working overtime, or forever? The number of people age 65-plus working full- or part-time has risen from just under 11 percent in 1985 to nearly 19 percent in 2015.  According to findings from the Transamerica Center for Retirement Studies' 2016 survey of workers, two-thirds of baby boomer workers plan to work past age 65, including some who don't plan to retire at all. something as highly anticipated as retirement will surely be on your mind for a while before and after you approach this landmark - it's okay if things don't go as planned when it comes to something as big as retirement, sometimes it's best to go with the flow.  If you expect the following, then you're well prepared.  More time with family.  To take your health seriously.  To explore a new hobby. If you ever thought reaching 65 is dead, then you are dead yourself.  Once upon a time, reaching age 65 meant you were done, and it's time to say adios to the office, but things have change...

Put time on your side To start with your investment process – we need to develop a strategy.   Develop specific strategies Have a clear concise, and well-defined investment planning process. Set Goals [make a plan] Get Experts help when needed [ understand the regulation environment] Set a time frame Establish risk tolerance Diversify Review plans   Which far ado let’s dive into it – let’s say you are 20 years which I wish I were, with the knowledge I have at my disposal yet that’s a story for another day. You are 20, and just out of university not saying this process is only for those who went to university – you want to save for your retirement. How much must you save each year at 10% to accomplish the goal of a million at age 65? The answer is that it will take a lot of effort, and some discipline – R 4 000 per year that’s a lot of money to some people, I also thought it was before I could even start taking my life seriously. The price is going up, but it is not yet out of...