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Create a Regular Income in Retirement while Investing at Low Risk.
Get the income you need and invest at low risk.
Grow your capital and get a guaranteed, regular pension.
Once you retire, your precious pension needs to work for you and the only way to effectively control this, is through an effective Pension Income Investment.
Please give me advice on My Income Plan
Creating an Income in Retirement.
Most retirees face the same problem; how to create an income whilst, at the same time, protecting and growing their capital.Your income uses some of the money that you want to use to grow your capital.
And growing your money requires that you take some risk with it (higher risk equals higher returns) - quite the opposite to protecting your capital!
You need to create the right amount of income and invest your capital in products that are secure and offer you the flexibility to move with both your and market changing circumstances.
You don't know how long you (or your spouse) will live, whether the market trend will be up or down, or what the rate of inflation will be.
But the chances are high that you will be retired for a long time - probably 25 years or more!
That's a long time to live without a salary and you must ensure that the strategy you follow from the beginning, will meet your needs.
Professional Advice and Strategic Investment
Navigating the Financial Minefield
There are many investments to choose from, some simple; some complex and your difficulty is to decide which will best for you.
You need to consider tax, inflation, CGT, risk, diversification, liquidity, and your inheritance wishes.
You really need professional advice with someone who will partner you through this minefield.
Strategy for Retirees
We will help you to provide an inflation proof income whilst, at the same time, get the potential growth to build your capital.You can reduce the risk you face when trying to secure the highest return for your money.
Once you have secured your income, you will have the peace of mind to invest your remaining capital, using investments like Annuities to Unit Trusts.
They allow you to take advantage of potential market growth.
Please don't come to me to help make you rich; come to me to help you keep from being poor!
The Benefits of a Retirement Income Plan
A professionally designed Retirement Income Plan will address the key challenges you will face throughout your retirement years.
This plan gives you the peace of mind to enjoy your retirement by providing a guaranteed lifetime income (for your spouse or dependants as well).
It will provide a guaranteed lifetime income (for your spouse or dependants as well).
It will give you excellent income tax advantages.
You have limited capital from which to generate the right income and at the same time grow your capital. It is vital to create the correct mix of investments to do this, and that is not easy with all the advice on the Internet!
Guidelines for Your Retirement Strategy
You need to be conservative in your approach, however growth comes does require some riskSo what do you do?
Here are some guidelines;
- Have realistic expectations of how much income your capital will give you.
- You need to take some risk, if only to fight the effects of inflation.
- If all your money is in the bank, you need advice now!
- Consider a annuity to provide you a guaranteed monthly income that meets your basic expenses. You can then investigate other products to help grow your remaining capital.
- Investigate the concept of Holding Periods and Income Ladders. This strategy can provide guaranteed, ongoing inflation proof income and the ability to grow your capital.
- Your greatest risk is outliving your money, not loosing it!
Your Vision of Retirement
Everyone has a different vision of retirement.You may want to travel the world, volunteer in your community, study Sanskrit, or perfect your golf swing.
But the one thing you don't want to do is waste time worrying about your money!
After all is said and done, what we need most during retirement is flexibility, security and control.
We want to know that we will be able to maintain the kind of retirement we were hoping and planning for.
And that comes from a well-built financial plan.
My view on retirement?
I want to wake up in the morning with nothing to do, and by bedtime, have only half of it done!
Please contact me for a no-nonsense, free and objective look at creating income in your retirement.
A second opinion cost you nothing, yet without it may cost you dearly!
Frequently Asked Questions on Create an Income in Retirement.
How can I create a regular income in retirement while investing at low risk?
Use a professionally designed Retirement Income Plan that provides a guaranteed lifetime income for you and your spouse, while strategically investing your remaining capital to grow and protect against inflation. Get a free, objective second opinion today and start building your secure, flexible retirement income
What are the benefits of a Retirement Income Plan for my pension and capital?
AA Retirement Income Plan delivers a guaranteed lifetime income, excellent income tax advantages, and a balanced growth strategy that protects and grows your capital. Contact us now to secure peace of mind and enjoy the retirement you've planned."
How do I protect my capital and still get growth during retirement?
Combine a secure annuity for your basic monthly income with growth-focused investments like Unit Trusts for your remaining capital, using strategies such as Holding Periods and Income Ladders. Speak to a professional adviser today to build a plan that reduces risk and fights inflation.
Why do I need professional advice for my retirement income strategy?
Retirement involves complex decisions around tax, inflation, CGT, risk, diversification, liquidity, and inheritance—professional advice helps you navigate this financial minefield and keep from being poor. Book your free, no-nonsense consultation now for an objective look at your options.
What is the greatest risk I face in retirement, and how can I avoid it?
Your greatest risk is outliving your money, not losing it—secure a guaranteed, inflation-proof income and invest strategically to grow your capital over 25+ years`
What are the benefits of a Retirement Income Plan for my pension and capital?
A Retirement Income Plan delivers a guaranteed lifetime income, excellent income tax advantages, and a balanced growth strategy that protects and grows your capital. Contact us now to secure peace of mind and enjoy the retirement you've planned.
Get Your Free Quote
Talk to me, I am here to help you, at no charge.
Send me your questions and concerns. I'll answer them for you.
083 655 2164
Medical aid pays healthcare costs.
What if a disability STOPS your income?
Peter Pyburn - Authorised Financial Services Provider has been fully licensed to provide expert financial services since 1991.Based in Sandton, Johannesburg, Gauteng, we specialise in comprehensive financial planning including: Death and Disability Cover, Retirement Planning, Investment Strategies, Medical Aid, Estate Planning.
FSP Licence 2995 and Medical Aid Accreditation BR 7428.
Why Choose Peter Pyburn?
Over 30 years of experience in financial services - Fully Licensed and Accredited for medical aid and other Personalised financial advice.
Past performance is not indicative of future results.
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Last update: August 12, 2026