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Crue Invest Crue Invest (Pty) Ltd is the 2023 FPI Approved Professional Practice™ of the Year

At Crue Consulting, we are passionate about helping people manage their finances and lifestyles optimally. Whether you have just started working, are in the process of accumulating wealth, near retirement or even in retirement, we'd love to help you plan.

A living annuity should never be selected in isolation from the retirement plan it needs to support. While provider choi...
26/10/2026

A living annuity should never be selected in isolation from the retirement plan it needs to support. While provider choice, underlying funds and fees matter, the real work begins with understanding the lifestyle the capital must fund, the income required and how long the portfolio may need to last.

Drawdown rates, asset allocation, tax, liquidity and sequencing risk all need to work together, while the strategy must remain flexible as circumstances change. A living annuity can offer valuable control and estate-planning flexibility, but it also places investment and longevity risk on the retiree. In this article, we explore why a sustainable retirement income depends less on choosing a product and more on building, reviewing and adapting the strategy around it.

Here Devon Card, CFP® talks to Moneyweb:

https://www.moneyweb.co.za/financial-advisor-views/a-living-annuity-is-a-strategy-not-simply-a-product/

Your financial plan may be functional without being efficient.Over time, old policies, scattered investments, dormant ba...
23/10/2026

Your financial plan may be functional without being efficient.

Over time, old policies, scattered investments, dormant bank accounts, outdated beneficiary nominations and forgotten retirement funds can create costs and complexity that are easy to overlook.

Financial organisation is not about reducing everything to the fewest possible accounts. It is about ensuring that every component still serves a clear purpose and supports the broader strategy.

When no one can explain why something remains in your plan, it is probably time for a review.

Read the full article:

https://crue.co.za/when-financial-clutter-starts-costing-you/

Your forties are often described as prime accumulation years, but for many families they are also the lean years. Rising...
22/10/2026

Your forties are often described as prime accumulation years, but for many families they are also the lean years. Rising education costs, a home loan, ageing parents, career demands and everyday household expenses may all compete for the same income.

The answer is not to abandon long-term goals or force an unrealistic savings target. It is to build a plan that reflects the season you are in.

Protect the foundations with emergency reserves and appropriate risk cover, keep retirement contributions moving at a sustainable pace, set clear boundaries around family support and commit future cash-flow increases before lifestyle costs absorb them.

A realistic, adaptable plan can help you manage todays competing priorities without losing sight of the financial security you are building for tomorrow, says Sherry Tapfuma, CFP® talking to Moneyweb:

https://www.moneyweb.co.za/financial-advisor-views/your-40s-the-decade-of-competing-financial-priorities/

What does it actually mean for a retirement plan to be flexible? True flexibility is deliberately built into the plan, c...
21/10/2026

What does it actually mean for a retirement plan to be flexible?

True flexibility is deliberately built into the plan, creating room to respond as healthcare needs, family responsibilities, markets and personal priorities evolve. This requires sufficient liquidity, a layered investment portfolio, an adaptable income strategy and a combination of investment structures that provides options from a tax, estate planning and accessibility perspective.

The real test is whether the plan can withstand uncertainty. What happens if markets underperform, medical costs rise sharply, one spouse dies earlier than expected, the family home becomes impractical, or retirement lasts to age 100?

A sound retirement plan should not depend on every assumption proving correct. It should provide enough structure, resilience and choice to support the retirement you are actually likely to live.

https://crue.co.za/how-flexible-is-your-retirement-plan/

Retirement may create freedom from work, but it does not make a parent’s time freely available. Adult children juggling ...
20/10/2026

Retirement may create freedom from work, but it does not make a parent’s time freely available. Adult children juggling careers, childcare and household pressure may naturally turn to retired parents for help.

The problem begins when occasional support becomes a standing expectation, leaving retirees feeling guilty for making their own plans or resentful that their retirement is being organised around family demands.

Healthy family support should be discussed, appreciated and freely chosen. It should also account for the practical and financial costs of regular childcare, transport, errands and house-sitting. In this Moneyweb article, Craig Torr explores how retirees can remain generous while protecting their time, independence and relationships—and why clear boundaries are best established before resentment sets in.

https://www.moneyweb.co.za/financial-advisor-views/retired-not-on-call-when-adult-children-expect-too-much/

Risk cover protects the income and continuity on which wealth creation depends. A well-structured combination of income ...
19/10/2026

Risk cover protects the income and continuity on which wealth creation depends. A well-structured combination of income protection, disability, severe illness and life cover can prevent an unexpected event from derailing a financial plan while capital is still being accumulated. Read our latest article here :-)

https://crue.co.za/the-financial-safety-net-behind-every-successful-wealth-plan/

When markets fall, selling can feel like a way to stop the damage. But withdrawing from a portfolio during a downturn ca...
19/10/2026

When markets fall, selling can feel like a way to stop the damage. But withdrawing from a portfolio during a downturn can turn a temporary decline into a permanent loss. It also removes the capital that could have participated in the recovery and continued compounding over time.

The same principle applies when retirement savings are cashed out after leaving an employer: the cost is not only the amount withdrawn or the tax paid, but also the future growth that money can no longer generate.

In this article for Moneyweb, Hannah Myburgh, CFP® explains what investors are really giving up when they lock in losses, why moving to cash is not a neutral decision, and how deliberate financial planning can help distinguish a genuine need for liquidity from an emotional response to volatility:

https://www.moneyweb.co.za/financial-advisor-views/locking-in-your-losses-what-investors-are-really-giving-up/

Tax can have a meaningful impact on the investment return that ultimately lands in your hands. From interest-bearing inv...
16/10/2026

Tax can have a meaningful impact on the investment return that ultimately lands in your hands. From interest-bearing investments and dividends to capital gains, endowments, retirement funds and tax-free savings accounts, investors need to understand how each structure is taxed and how tax efficiency fits into their broader financial plan. Read our latest article here: https://crue.co.za/heres-what-to-know-about-tax-on-investments/

Choosing a living annuity is not simply a matter of comparing providers, platforms or funds. It requires a clear retirem...
15/10/2026

Choosing a living annuity is not simply a matter of comparing providers, platforms or funds. It requires a clear retirement income strategy that considers how much income you need, how long the capital must last, the level of investment risk you can tolerate, and the legacy you hope to leave.

In his latest article for Moneyweb, Alex Odendaal, CFP® unpacks the decisions that matter most and explain why regular review is essential to preserving flexibility, independence and financial security throughout retirement.

https://www.moneyweb.co.za/financial-advisor-views/choosing-a-living-annuity-the-decisions-that-matter-most/

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Pinelands
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