35+ Older and Wiser

You are now older and wiser and probably have a family. It is important that you stick the course to your retirement and consider the following:

Step 1:

Life gets more difficult financially with the pressures of a family, but always pay yourself first, meaning save as much as you can before incurring any expenses.

Don’t let anything get in the way of your long-term financial planning.

Read about your contributions and speak to a financial planner to find out whether you are still on your way to a comfortable retirement (see the details below)

Click here to read about your contributions

Step 2:

It’s likely that you now have a spouse and perhaps even children, for whom you have a financial responsibility. By updating your Expression of Wish Form, you can ensure that your loved ones will be cared for in the event of your death. This may not be a pleasant topic to think about, but it is a very important one. Don’t let them down – they will need your support.

Update your Expression of Wish Form whenever you get married, divorced or get a child (very important)

Step 3:

It’s time to take a closer look at your options for investments – chances are there are important people looking up to you for support on so many levels. You’re getting older and stronger each day, and you need to maintain healthy levels of investment growth. It’s time to take on the world of investment and saving in a more serious manner.

Preparing for the future, with the help of a registered financial advisor, is one of the true signs of taking control of your finances. An advisor will help you select the right savings and investment options, and will also take into account other things you need to plan for – for example, your children’s tertiary education. Getting good advice is so important, especially at this busy, exciting stage of your life.

Read up about the fund investments and complete your Investment Option Form. If you do not complete this form, you will be invested in the Default Portfolio.

Please note: before you decide to choose an investment portfolio, please speak to a financial advisor. See the details below.

Click here to read more about the Fund Investments.

Step 4:

Now, make sure you know how and where to see your Member Share. And remember that if you leave the fund, you have various options in terms of how to use this benefit – it is important to understand the tax implications of taking a portion of this benefit in cash. Remember, your decision cannot be changed.

Click on Visit below to Login to the Secure Portion of this website.

Step 5:

Get help and advice to help you plan for your journey to retirement and understand your benefits

Click here for contact details of financial advisors and benefits counsellors

Step 6:

Stay on top of what is happening in the fund

Click here to read important communication from the fund.

And just for fun!

Become financially savvy and grow your wealth by playing our fun simulation

Click here to read short, interesting articles on how to become financially savvy

Click here to play our LivFin$mart Simulation

I don't understand my benefits or need advice

If you do not understand your benefits or need financial advice, no worries, just click here.

Hot Topics

National Wills Week

From 16-20 September, you can get a Will drafted by a participating attorney FOR FREE.

How to claim

How to claim from your Savings Pot in EMERGENCIES ONLY

Fund Overview