The Personal Finance series with Warren Ingram

How to manage the income from your investments during retirement

(Also read: "How to invest your retirement funds in post-downgrade South Africa".)

There is a new financial planning association that is trying to make a name for itself by creating hype around the dangers of living annuities and the threat they pose to retirees.

Some media outlets have picked up on this up and are running with it.

The Money Show’s Bruce Whitfield interviewed Galileo Capital Personal Financial Advisor Warren Ingram.

Ingram believes there is some merit to the argument, but that the concerns are overplayed.

How do you manage income from your investments during retirement when…

  • Returns from the JSE are low.

  • Interest rates are dropping.

  • The rand is trading in a range.

  • Listed properties are generally struggling and yields might be compromised as the economy stagnates.

Ingram had some advice for investors, and discussed the following:

  • Diversify sources of income.

  • Living annuities vs guaranteed annuities.

  • The merit, or lack of, guaranteed products at this time.

  • The dangers of overinvesting in rand hedges.

  • The danger of “binary” decisions (e.g. sit on cash until December’s elective conference, or invest only in developed markets overseas).

For more detail; listen to the interview in the audio below.

Click here (then “like” the page) to follow Bruce on Facebook.

Enter your email address in the form below to receive a newsletter containing the most-read articles of the week from Bruce Whitfield’s The Money Show every Friday morning in your inbox.

Subscribe to our Business Wrap Newsletter


This article first appeared on 702 : How to manage the income from your investments during retirement


CapeTalk welcomes all comments that are constructive, contribute to discussions in a meaningful manner and take stories forward.

However, we will NOT condone the following:

  • Racism (including offensive comments based on ethnicity and nationality)
  • Sexism
  • Homophobia
  • Religious intolerance
  • Cyber bullying
  • Hate speech
  • Derogatory language
  • Comments inciting violence.

We ask that your comments remain relevant to the articles they appear on and do not include general banter or conversation as this dilutes the effectiveness of the comments section.

We strive to make the CapeTalk community a safe and welcoming space for all.

CapeTalk reserves the right to: 1) remove any comments that do not follow the above guidelines; and, 2) ban users who repeatedly infringe the rules.

Should you find any comments upsetting or offensive you can also flag them and we will assess it against our guidelines.

CapeTalk is constantly reviewing its comments policy in order to create an environment conducive to constructive conversations.

Read More
6 tips on how to avoid overspending this festive season

6 tips on how to avoid overspending this festive season

The Money Show’s Bruce Whitfield interviews Galileo Capital Personal Financial Advisor Warren Ingram.

How to find an excellent financial advisor

How to find an excellent financial advisor

The Money Show’s Bruce Whitfield interviews Galileo Capital Personal Financial Advisor Warren Ingram.

How to use exchange-traded funds (ETFs) in your portfolio

How to use exchange-traded funds (ETFs) in your portfolio

What is an ETF? Bruce Whitfield interviews Simon Brown (Just One Lap), Candice Paine (Satrix) and Helena Conradie (Satrix).

Retirement: 8 biggest mistakes people typically make…

Retirement: 8 biggest mistakes people typically make…

The Money Show’s Bruce Whitfield interviews Galileo Capital Financial Advisor Warren Ingram.

How to invest your retirement funds (in post-downgrade South Africa)

How to invest your retirement funds (in post-downgrade South Africa)

The Money Show’s Bruce Whitfield interviews Galileo Capital Personal Financial Advisor Warren Ingram.

How much you should save for retirement

How much you should save for retirement

You know you should save for retirement, but do you know how much? Financial planner Claude Hannah breaks it down in simple terms.

Popular articles
Zim ministers snub Mugabe's cabinet meeting call

Zim ministers snub Mugabe's cabinet meeting call

Regional Co-Ordinator at Crisis Zimbabwe Coalition, Joy Mabenge says the keys to Mugabe's impeachment are turning very fast.

Tender irregularities plague City of Cape Town

Tender irregularities plague City of Cape Town

Allegations point to irregularities in the tender processes where some bidders were preferred by the City's senior executives.

What Shoprite, Checkers, Pick n Pay and Makro will offer on Black Friday

What Shoprite, Checkers, Pick n Pay and Makro will offer on Black Friday

Up for a Springboks level scrum? Instructions on how to ensure you get the deals in your inbox the moment they become known...

I didn't believe that he was ever going to step down - JJ Cornish

I didn't believe that he was ever going to step down - JJ Cornish

EWN Africa Correspondent, JJ Cornish describes Mugabe's Sunday evening speech as a humiliating downturn for the Zim president.