Tanya Jansen Financial Adviser - Consult Randhart, Alberton (2026)

26/10/2026

FINANCIAL FITNESS | Is R2 million enough to retire?

R2 million sounds like a lot of money, especially when you've spent years working and saving towards retirement. But have you ever considered how much monthly income that money could actually provide?

Let's say you retire with R2 million invested in a living annuity. Depending on the income percentage you choose, your starting monthly income could look something like this:

5% drawdown: R8,333 per month
6% drawdown: R10,000 per month
7% drawdown: R11,667 per month

(These are illustrative amounts before tax, not guaranteed income for life.)

Now think about your current household expenses. Would that be enough to maintain your lifestyle?

And remember, retirement could last another 20 or 30 years. During that time, groceries, electricity, medical expenses and everyday living costs will continue to increase.

This is why retirement planning is about more than reaching your savings target...

Your home loan, other investments, monthly expenses, healthcare needs, and the age at which you retire all play an important role in determining how much you'll need.

Someone retiring with a paid-off home and additional income may be in a very different position from someone still paying a bond with no other savings.

When I review a client's retirement planning, I look at the bigger picture to understand whether their savings are likely to support the lifestyle they're working towards.

And the earlier we have that conversation, the more opportunity there is to make adjustments.

The real question isn't just how much you've saved for retirement. It's how much income those savings can realistically provide.

If you're unsure where you stand, let's review your retirement plan together.

Tanya Jansen | Financial Adviser
Consult by Momentum | Randhart

Notes:
(Living annuity income and investment values can fluctuate. Higher withdrawals can increase the risk of depleting your capital. Figures are illustrative and individual circumstances differ.)

07/10/2026

You’ve got a little extra money available this month. Where should it go? Into your bond to reduce debt and save on future interest, or into an investment to build wealth for the future?

The truth is, both can be smart financial decisions, and sometimes the best strategy is a combination of the two. The right answer depends on your bigger financial picture, your goals and what you need your money to achieve.

Your money should have a job. The important part is deciding which job matters most right now.

16/09/2026

Most people understand the basic attraction of a Tax-Free Savings Account.

You invest money, and the investment returns within the account are exempt from income tax, dividends tax and capital gains tax. For the current tax year, South Africans can contribute up to R46,000 per year, subject to the R500,000 lifetime contribution limit.

But there is something I think investors should understand particularly well:

The Tax-Free Savings Account itself isn’t what creates the investment growth. It provides the tax-efficient structure.

What you choose to invest in inside that structure is what determines how your money participates in investment markets.

So what could actually sit inside a Tax-Free Savings Account?

This is where investment advice and portfolio construction become important.

For suitable long-term investors, one of the model portfolios we use at Consult is the Consult Select 7 Plus Tax-Free Savings Account Portfolio. This isn’t simply one fund managed by one investment manager.

It uses a multi-manager approach, bringing together different investment managers, asset classes and investment strategies within one professionally constructed portfolio.

As at 31 August 2026, the portfolio was approximately:

58% invested locally 🇿🇦
42% invested globally 🌍

Within that are investments across South African and global equities, property, bonds and other asset classes, with a range of underlying professional investment managers.

Why would we use a model portfolio?

Because long-term investing isn’t about trying to guess which single fund manager, country or asset class will perform best next year.

💪🏽Different investment managers have different investment philosophies.

💪🏽Different asset classes perform differently through different market cycles.

South African markets won’t always behave like global markets.

A model portfolio allows these different components to be combined into one diversified investment strategy.

And importantly, the portfolio can then be monitored and managed as a whole.

In this particular portfolio, the objective is growth

The Consult Select 7 Plus Tax-Free Savings Account Portfolio is classified as moderately aggressive and is intended for investors with a longer investment horizon.

Its benchmark is CPI + 6% over rolling seven-year periods, and the portfolio is specifically positioned as a high-growth investment strategy.

That seven-year timeframe is important.

Growth investing doesn’t mean your investment moves upwards every month or every year.

Markets fluctuate. There will be good periods and difficult periods. A higher-growth strategy means accepting that volatility in pursuit of longer-term growth, and capital is not guaranteed.

And this is where the Tax-Free Savings Account becomes interesting

If you’re investing for many years, you’re not only thinking about what your original contributions could become.

You’re thinking about the growth on those contributions, and potentially the growth on the growth that came before it.

Inside a Tax-Free Savings Account, investment returns are exempt from income tax, dividends tax and capital gains tax. Importantly, investment growth itself does not count towards the R500,000 lifetime contribution limit.

So your account value can ultimately grow beyond R500,000 without breaching the lifetime limit. It is the contributions that are limited, not the value your investment may eventually reach.

That is why I believe a Tax-Free Savings Account deserves to be thought of as much more than simply a “savings account”.

For the right investor, it can form part of a long-term wealth creation strategy.

The question I want investors to start asking

Don’t only ask:
“Do I have a Tax-Free Savings Account?”

Ask:
“What is my money actually invested in?”
“How diversified is it?”
“How much local and global exposure do I have?”
“What level of risk am I taking?”

And most importantly:
“Does the investment strategy inside my Tax-Free Savings Account match what I’m trying to achieve?”

Because the tax benefit is incredibly valuable.

But the tax benefit creates the opportunity. The investment strategy does the work.

14/09/2026

There’s something very special about receiving feedback like this. ❤️

“Best service ever.”

Only three words, but they mean a great deal to me.

Financial advice is incredibly personal. Clients trust me with important decisions about their money, their families and their futures, and I never take that trust for granted.

Thank you, C Strydom, for the wonderful feedback and for trusting me to be part of your financial journey.

For me, good financial advice will always be about more than products and paperwork. It’s about being available, listening, explaining things properly and making sure my clients feel looked after.

That’s the standard I want every Consult Randhart client to experience.

14/09/2026

Having a Will is incredibly important.

But there is another question that often gets missed:
Who pays the costs of actually carrying out those wishes?

When an estate is wound up, there may be executor fees, property conveyancing costs, testamentary trust fees, Master's fees and other administration expenses. Monthly household costs can also continue while the estate is being administered.

A Will tells your executor what you want to happen.
It doesn't automatically create the cash needed to make it happen.

That's why estate planning should look at both sides: your wishes AND the liquidity available to carry them out.

Through Capital Legacy, there are estate-planning solutions designed to help protect an estate against certain professional fees and other costs, with benefits that can also provide immediate liquidity for loved ones, depending on the plan selected.

The goal is simple: leave your family the legacy you intended, not a list of unexpected bills.

❤️If you have a Will but have never looked at the costs that could arise in your estate, that's a worthwhile conversation to have.

10/09/2026

We’re grateful for the trust our clients place in us and truly appreciate every piece of feedback we receive.

If you’re looking for trusted financial advice or need assistance with your financial planning, we’re here to help.

09/09/2026

A Retirement Annuity isn't only about putting money away for the day you retire.

It can also play a useful role in your tax planning while you're still earning.

Subject to the limits in the Income Tax Act, qualifying retirement fund contributions may be deducted from taxable income. In practical terms, that means money you're deliberately putting towards your future can also help reduce the income on which your tax is calculated.

But here's the part I think matters most:

If you receive a tax saving or refund because of your retirement contributions, you have a choice about what happens next.

It can disappear into everyday spending, or you can put some of that benefit back to work towards your financial goals.

A good Retirement Annuity should never be chosen purely because of a tax benefit. It still needs to suit your retirement objective, affordability, investment horizon and risk profile.

But when the product and the planning fit together, your retirement contribution can potentially do more than one job.

If you'd like to understand how a Retirement Annuity could fit into your own tax and retirement planning, I'm happy to help.

09/09/2026

Helping you make confident financial decisions, plan for the future and protect what matters most is what we’re passionate about.

We truly appreciate all the feedback we receive from our clients. Your kind words and experiences mean so much to us and inspire us to continue providing the best possible service.

08/09/2026

We truly value the feedback and trust of our clients!

Thank you for the kind words and for allowing us to assist you with your financial journey. Our goal is always to provide trusted advice, personalised service, and solutions that help you plan with confidence.

07/09/2026

There’s nothing more rewarding than receiving positive feedback from our clients. We truly appreciate every kind word, review and piece of feedback we receive.

Our goal is to provide trusted, personalised financial advice and help our clients make informed decisions about their financial future.

If you’re looking for professional guidance or simply want to explore your financial options, we’d love to assist you.

Tanya Jansen Financial Adviser - Consult Randhart

26/10/2026

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