{"id":75,"date":"2015-04-08T12:01:02","date_gmt":"2015-04-08T12:01:02","guid":{"rendered":"https:\/\/www.indwe.co.za\/indwe-blog\/2015\/04\/08\/saving-for-retirement-and-your-childrens\/"},"modified":"2015-04-08T12:01:02","modified_gmt":"2015-04-08T12:01:02","slug":"saving-for-retirement-and-your-childrens","status":"publish","type":"post","link":"https:\/\/www.indwe.co.za\/indwe-blog\/saving-for-retirement-and-your-childrens\/","title":{"rendered":"Saving for Retirement and Your Children\u2019s Education: Which Comes First?"},"content":{"rendered":"<figure class=\"tmblr-full\"><img decoding=\"async\" src=\"http:\/\/68.media.tumblr.com\/5f07cb92299d4dca8112174730135cf4\/tumblr_inline_nnxl9fHFF01r965u9_540.jpg\" \/><\/figure>\n<p><\/p>\n<p>In today\u2019s economic climate, South African families often find themselves between a rock and a hard place when making decisions about saving for the future. What should you save for first? Your children\u2019s education and then retirement? Or vice versa? In the view of Danelle van Heerde, head of advice processes at Sanlam Personal Finance, one financial priority should always take precedence \u2013 saving for retirement.<\/p>\n<p><!-- more --><\/p>\n<p><i>\u201cMany<br \/>\npeople delay starting to save for retirement, believing it is more important to<br \/>\nput away money for their children\u2019s education first. They think they will be<br \/>\nable to catch up on retirement savings later, once their children have started<br \/>\nworking. Some people even believe that, with a good education, their children<br \/>\nwill be able to look after them in their old age,\u201d<\/i> <b>Van Heerde<\/b> says.<\/p>\n<p><b>But<br \/>\nin her view, retirement comes first \u2013 and here\u2019s why:<\/b><\/p>\n<p><b>1.You can\u2019t borrow for<br \/>\nretirement<\/b>.\u00a0<\/p>\n<p>You can however, borrow for your children\u2019s education,<br \/>\nnormally at very good rates. There are also other options available, including<br \/>\nbursaries. Encouraging your kids to take a gap year to earn some money and<br \/>\nexperience the world of work before they start their studies may also be a good<br \/>\nidea. This will also give them a better idea of the career direction they wish<br \/>\nto pursue.<\/p>\n<p><b>2.Your children are not your<br \/>\nretirement fund.\u00a0<\/b><\/p>\n<p><i>\u201cWe are already the \u2018sandwich generation\u2019. Many people<br \/>\nare providing financially not only for their children, but also for their<br \/>\nparents, who did not save adequately for their own retirement. And you will in<br \/>\nall likelihood live longer than your parents will. Do you really want to place<br \/>\nsuch a heavy financial burden on your children, who will have their own<br \/>\nfamilies to look after?\u201d<\/i> asks <b>Van Heerde<\/b>.<\/p>\n<p><b>3.You need to let compounding<br \/>\nperform its magic.<\/b>\u00a0<\/p>\n<p>Compounding has been called the eighth wonder of the<br \/>\nworld. The earlier you start saving for retirement, the more your money will<br \/>\ngrow exponentially until the day you retire. \u201cOur rule of thumb is that if you<br \/>\nstart in your 20\u2032s, you will need to save at least 10% of your monthly salary to<br \/>\nenjoy a pension of 60% of your final salary at age 65. This figure increases to<br \/>\n15% if you start in your 30\u2032s, however, and 20% if you only start putting money<br \/>\naway in your 40\u2032s.\u201d<\/p>\n<p><b>4.People are having children later<br \/>\nin life.\u00a0<\/b><\/p>\n<p>If you start your family in your late 30\u2032s, your children will<br \/>\nprobably be taking their first steps into the world of work at a time when you<br \/>\nwant to retire. It will place a huge burden on them to have to look after you<br \/>\nwhen they may themselves not be earning very much yet.<\/p>\n<p><b>5. You need to set an example to<br \/>\nyour children.\u00a0<\/b><\/p>\n<p>It is crucial that your children start saving for their own<br \/>\nretirement from the day they receive their first pay check. The best way for<br \/>\nthem to learn this important lesson is by following your example. If you have<br \/>\nnot made retirement savings a priority, be open about your mistakes and explain<br \/>\nwhat you should have done and why.<\/p>\n<p>\u201cSaving<br \/>\nfor the future means making choices and creating a balance between competing<br \/>\nfinancial demands,\u201d says Van Heerde. \u201cRetirement savings always come first, and<br \/>\nif you have money to spare after this, you can put some away for your<br \/>\nchildren\u2019s education. A professional financial adviser will be able to work out<br \/>\nhow much you will need in retirement, and structure an investment plan<br \/>\naccordingly,\u201d she concludes.\u00a0<\/p>\n<p>For more information <b><a href=\"mailto:Indwe.reply@sanlam.co.za\">email us<\/a>.<\/b><\/p>\n<figure><img decoding=\"async\" src=\"http:\/\/68.media.tumblr.com\/78a7be17b26d082e9865041a0b4a69f6\/tumblr_inline_nmhlriEOiK1r965u9_540.png\" alt=\"image\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>In today\u2019s economic climate, South African families often find themselves between a rock and a hard place when making decisions about saving for the future. What should you save for first? Your children\u2019s education and then retirement? Or vice versa? In the view of Danelle van Heerde, head of advice processes at Sanlam Personal Finance, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-75","post","type-post","status-publish","format-standard","hentry","category-general"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Saving for Retirement and Your Children\u2019s Education: Which Comes First? -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.indwe.co.za\/indwe-blog\/saving-for-retirement-and-your-childrens\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Saving for Retirement and Your Children\u2019s Education: Which Comes First? -\" \/>\n<meta property=\"og:description\" content=\"In today\u2019s economic climate, South African families often find themselves between a rock and a hard place when making decisions about saving for the future. 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