Contact Me
Munaf Mukadam Website Logo
Home > Blog
explore more blog posts

Our Blog

News & Articles

Explore Our Latest Blogs

Provident Fund Fixed Deposit or Better Options (2)

Provident Fund: Fixed Deposit or Better Options? 

  • 25 Jun 2025

Fixed deposits feel safe, but are they enough to sustain your retirement? Discover smarter ways to invest your provident fund in South Africa—like living annuities, unit trusts…

Read More
Gold’s record surge Boom, bust, or just the beginning

Gold’s record surge: Boom, bust, or just the beginning?

  • 21 March 2025
Gold prices have soared nearly 40% in the past year, smashing records and sparking talk of shortages. From inflation fears to record central bank buying and a squeeze…
Read More
two pot retirement system

How the Two-Pot Retirement System Works — What You Need to Know

  • 24 July 2024
Starting 1 September 2024, South Africa’s new two-pot retirement system changes how your retirement savings are managed. This guide explains what it means for…
Read More
Shari’ah Investment Funds & Strategies

Shari’ah Investment Funds & Strategies: Ethical Investing in South Africa

  • 28 June 2024

Shari’ah-compliant investment funds offer South African investors a way to align their portfolios with Islamic principles and ethical values. This guide covers halal investment…

Read More
Hedge Funds in South Africa Safer, Smarter Alternatives for Modern Investors

Hedge Funds in South Africa: Smarter, Safer Investing in 2025

  • 13 March 2024
Hedge funds have gained a reputation for being high-risk and volatile. However, this mainly stems from hedge funds in the US. In South Africa, the regulations surrounding these…
Read More

Interest Rates in 2025 – What Should We Expect?

  • 15 February 2024
South Africans have endured a challenging few years of high inflation, rising interest rates, and economic uncertainty. As we enter the final quarter of 2024 and prepare for 2025…
Read More
Living vs Life Annuity Which Is Best When Planning to Live Abroad

Living vs life annuity: Which is best when planning to live abroad?

  • 4 Oct 2023
Planning to retire abroad? Learn whether a living or life annuity is better for South African retirees living overseas. This guide explores key differences, currency…
Read More
Managing Retirement Funds When You Retire at 51 but Access at 61

Managing Retirement Funds When You Retire at 51 but Access at 61

  • 30 Aug 2023
I have assumed that your retirement fund is a pension or provident fund with your employer. In this case, you may consider transferring the funds on a tax-neutral basis…
Read More
How Investment Fees Impact Your Retirement Wealth in South Africa

How Investment Fees Impact Your Retirement Wealth in South Africa

  • 7 Jun 2024

Investment fees may seem small, but over time they can significantly reduce your retirement savings. This guide breaks down the types of fees—advice, admin…

Read More
Understanding Retirement Lump Sum Tax in South Africa-Insider 02

GEPF Retirement Tax and Annuities Explained for South Africans

  • 16 May 2023

Understand the key steps involved when retiring from the GEPF in South Africa. This guide explains how your lump sum is taxed, how to choose between a life or living annuity….

Read More
How Much Monthly Income Can You Expect from Your Retirement Savings in South Africa

Smart Income Choices for SA Retirees

  • 29 Mar 2023
Planning to retire in South Africa? This guide breaks down exactly what happens when you retire — from accessing your fund and paying tax to choosing the right annuity…
Read More
Best Retirement Investment Options for South Africans

Best Retirement Investment Options for South Africans

  • 21 Feb 2023

Looking to make the most of your retirement savings? This guide explores the top investment options for South Africans approaching or already in retirement — from offshore diversification ….

Read More
What is the sequence of events when retiring

Sequence of Events at Retirement in South Africa 

  • 7 Feb 2023
Planning to retire in South Africa? This guide breaks down exactly what happens when you retire — from accessing your fund and paying tax to choosing the right annuity…
Read More
The Psychology of Money

The Psychology Behind Your Financial Decisions 

  • 1 February 2023
Your financial success isn’t just about how much you earn or invest it’s about how you think. This article explores the powerful link between psychology and money…
Read More

I am Munaf Mukadam, an experienced Financial Planner specializing in investment and retirement planning. With over a decade of expertise, I provide insightful financial strategies and tax-efficient solutions tailored to your needs.

Contact Me

Disclosures

Follow me

Facebook-f Linkedin-in Instagram Youtube
Copyright © 2025 Retire Smart | Designed by Retire Smart
Get A Quote
Get A Quote

Thank you for taking the time to complete the assessment.

We will use your responses as part of our discussion. Understanding your money scripts helps me tailor financial advice to not only your numbers, but also your values, behaviours, and long-term goals. 

Close