Tools and Tips


Start early

Thanks to compound interest, the earlier you start saving, the more growth you’ll enjoy. Starting early with smaller amounts works out to more returns in the long run than starting later with larger amounts.

AFRIS financial advisers can help you plan your finances to work out how much you’re able to save each month, starting immediately.

Retire later

Instead of opting to retire at 55 or 60, you can choose to retire at 65 or even later if your health permits. Delaying your retirement could add significant amounts to your savings due to compound interest.

AFRIS financial advisers can advise you on how much you need to have saved up by your chosen retirement date, to determine if this should be reconsidered.

Check that you’re on track

You should regularly review your retirement strategy to ensure that you’re saving enough, are invested in the optimal products, and are making the best financial decisions along the way.

Get advice from your financial adviser when reaching any important financial milestones, such as starting a family, buying a house or car, or getting you back on track after changing careers.

Invest continuously

Most retirement products will require you to invest a large sum of money. However, topping up your investment from time to time is an extremely effective saving and growing strategy.

AFRIS products allow you to add extra money to your investment, helping you enjoy more growth in the future.

Don’t stop saving

Many people choose to cash in their savings when they resign, are retrenched, or retire. However, this means that they will have to start from scratch when saving, or worse yet, never start saving again. Compound interest means that, the more money and time you give it to work, the more returns you’ll get.

AFRIS financial advisers can assist you in choosing the best funds and products to move your savings into if you resign, are retrenched or retire.