Dhevan Naicker

Specialized Advice & Resources for Government Employees Considering Retiring or Resigning In The Next 12 Months

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Navigating retirement funds can feel complicated, but it doesn’t have to be. At Retire SA, we believe in empowerment through simplicity.

We are a team of dedicated financial experts, licensed as a Financial Services Provider (FSP 6679), focused on one core mission: to make the process of transferring your Retirement Annuity and Preservation Funds as smooth, secure, and beneficial as possible.

We handle the complexities, so you can focus on the goal: a comfortable and secure retirement.

Ready to learn more about how we put you first? Discover our story and approach here: https://www.retiresa.co.za/about-us/

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You’ve dedicated your career to public service. The last thing you need is for your GEPF pension payout to be stuck in an administrative loop.

The system is complex, and delays happen. But knowledge is power. Understanding the common pitfalls—from incorrect forms to unverified details—is the first step to ensuring you get your GEPF lump sum and annuity on time.

This isn't just about avoiding problems; it's about stepping confidently into the next chapter of your life.

Dive into our blog post to get the full checklist and secure your peace of mind. Your future self will thank you for reading this.

Full Blog Post: https://www.retiresa.co.za/your-pension-payout-could-be-delayed-heres-how-to-prepare/

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Specialized Advice & Resources for Government Employees Considering Retiring or Resigning In The Next 12 Months

You’ve worked for decades serving the nation. Don’t let one rushed decision undo your years of hard work.

Whether you retire or resign, the key is to protect your pension, reduce tax, and invest smartly.

With Dhevannaicker’s guidance and the resources on retiresa.co.za, you can make confident decisions about your financial future.

Explore free tools and expert advice: https://www.retiresa.co.za/

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Free Resources for Government Employees

Navigating pension, retirement, tax — not simple. That’s why we created 200+ videos and a free 7-page guide tailored for government employees.

👉 Dive in here: https://www.retiresa.co.za/member-resources/

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Maximize your retirement benefits with expert advice from Retirement Wellness SA. Learn to avoid costly tax mistakes and plan for a secure,

Retirement or resignation isn’t just paperwork—it’s a turning point. Too many people rush into it without knowing how different the rules really are. Taxes, pension fund choices, medical aid, even legacy planning… each detail can shape your future.

Our latest guide, “Retiring or Resigning Soon? Here’s What to Do First”, helps you step back, breathe, and start with the most powerful move: choose your exit date first. From there, everything—from your “why” to your wealth—can align with confidence.

🔗 Read the full post here: retiresa.co.za/retiring-or-resigning-soon-heres-what-to-do-first

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Maximize your retirement benefits with expert advice from Retirement Wellness SA. Learn to avoid costly tax mistakes and plan for a secure,

Whether you’re planning to retire soon or thinking about resigning, the first decisions you make will shape your future. It’s not just about leaving a job—it’s about building clarity, stability, and peace of mind for what comes next.

From setting your financial goals to understanding your GEPF benefits, guidance from a trusted financial advisor like Dhevan Naicker can make all the difference. At RetireSA, we believe retirement should be about wellness, not worry.

Read the full roadmap here: Retiring or Resigning Soon? Here’s What To Do First

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Maximize your retirement benefits with expert advice from Retirement Wellness SA. Learn to avoid costly tax mistakes and plan for a secure,

Why do some government employees succeed in retirement while others struggle? The answer lies in preparation and choices.

Those who succeed usually plan early, understand how to manage their GEPF benefits, and avoid risky schemes. Those who fail often resign without thinking through the consequences or fall victim to scams promising quick returns.

At Retiresa, we guide civil servants to make smarter decisions, protect their pensions, and avoid common traps. Retirement doesn’t have to be uncertain — with the right support, it can be secure.

👉 Full blog: https://www.retiresa.co.za/why-some-government-employees-succeed-and-others-fall-for-scams/ 🌐 More at: www.retiresa.org

#Retiresa #RetirementPlanning #GEPF #CivilServants #RetirementWellness #AvoidScams

Disclaimer: Retiresa is an Authorised Financial Services Provider. This is general information, not personal financial advice.

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25 posts!

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Maximize your retirement benefits with expert advice from Retirement Wellness SA. Learn to avoid costly tax mistakes and plan for a secure,

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Unlock a 5-Star Retirement as a South African Government Employee with Retirement Wellness SA!

We believe retirement should be more than just the end of a career—it should be the beginning of your best chapter. At Retirement Wellness SA, our 5-Star Retirement Experience supports you every step of the way: from completing your pension paperwork and understanding tax, right through to ongoing financial wellness and personal guidance.

Why trust us?

Personal Support: A dedicated manager helps you with forms, withdrawals, and the entire transition.

Proactive Communication: You’re never left out of the loop.

Long-term Care: We offer guidance and check-ins for your peace of mind.

Learn what makes our approach unique and why so many public sector workers have chosen us for their financial wellness journey. Experience retirement with clarity—no more delays, no hassle, just personalised care.

🌐 Dive deeper: How SA Government Employees Can Get a 5-Star Retirement Experience

#RetirementWellness #5StarRetirement #SAFinance #GEPF #RetirementPlanning #Wellbeing #GovEmployee #FinancialWellness #SecureFuture

Disclaimer: Retirement Wellness SA is an Authorised Financial Services Provider (FSP 31609). This content is for general information only and does not constitute financial advice. Not affiliated with the Government Employees Pension Fund (GEPF).

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Maximize your retirement benefits with expert advice from Retirement Wellness SA. Learn to avoid costly tax mistakes and plan for a secure,

As a GEPF member and long-time government employee, I believed investing in a luxury apartment in Umhlanga would be the perfect source of passive income for my retirement planning. I imagined rental returns, capital growth, and financial peace.

What I didn’t anticipate were the hidden realities of property investing in South Africa—rising sectional title levies, unforeseen maintenance fees, long periods of vacancy, and a flat resale market.

Within just two years, I was down more than R338,000 on an R1 million investment. It wasn’t just a financial loss; it was a wake-up call.

💡 If you’re a public servant, GEPF pension holder, or anyone approaching retirement, here are 3 big takeaways:

Not all passive income is truly passive.

High-end properties often come with high, unpredictable costs.

Just because an investment works for others doesn’t mean it suits your goals.

🔗 Read the full blog and learn from my experience: 👉 My R1 Million Property Mistake – A Cautionary Tale for Government Employees

Disclaimer: This is a personal experience and not professional financial advice. Always consult a qualified financial advisor before making investment decisions.

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Maximize your retirement benefits with expert advice from Retirement Wellness SA. Learn to avoid costly tax mistakes and plan for a secure,

If you’re a South African government employee considering resignation or retirement in the next two years, you need to be aware of potential changes to the pension formula that could significantly impact your payout. The most recent actuarial review was completed in March 2024, and while a report was published in May 2025, it does not confirm or deny whether a formula change is imminent. However, based on past trends, any change—often implemented with little notice—could result in a substantial reduction to your resignation benefit, potentially costing you thousands of rand

Key Points:

The pension fund reviews its actuarial formula every three years to ensure sustainability, often resulting in downward adjustments to benefits.

After the last major change in November 2022, many members lost significant value in their resignation benefits, with recovery taking up to two years.

If a new formula is introduced between August and November 2025, as has happened previously, those resigning shortly after could be adversely affected.

Your official exit date determines which formula applies, not the date you submit your resignation.

What Should You Do?

Request your latest pension statement.

Compare your resignation value before and after previous formula changes to assess potential losses.

Consider consulting a retirement specialist to evaluate whether an early exit could protect your benefits.

Don’t leave your financial future to chance—stay informed and plan ahead.

This information is provided by Retirement Wellness SA, an Authorised Financial Services Provider (FSP 31609), and is not issued by or on behalf of the Government Employees Pension Fund (GEPF)

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Maximize your retirement benefits with expert advice from Retirement Wellness SA. Learn to avoid costly tax mistakes and plan for a secure,

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Is Your #GEPF Pension Safe? Changes May Hit in 2025!

If you’re a South African government employee thinking of resigning or retiring soon, you can’t afford to miss this. 📉 After the last actuarial review in 2021, the GEPF surprised members with a steep cut—announced with barely any notice. The 2024 review is done, and another adjustment could land as early as late 2025.

In a new article on RetireSA, Dhevan Naicker breaks down:

Why the pension formula is reviewed every three years

How resigning just before the cutoff could save you hundreds of thousands of rand

Step‑by‑step tips for helping with resignation timing and comparing your GEPF statements

Essentials of Retirement Wellness planning for public servants

Don’t let poor timing erode your nest egg! Read the full guide here 👉 Is the pension formula changing in 2025?

#RetireOrResign #HelpingWithResignation #DhevanNaicker #RetireSA #RetirementWellness #GovernmentEmployees #GEPF #PensionReform #SouthAfrica

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Maximize your retirement benefits with expert advice from Retirement Wellness SA. Learn to avoid costly tax mistakes and plan for a secure,

Secure your financial future and enjoy peace of mind! 🇿🇦 We help government employees make informed decisions about retirement, so you don’t leave your hard-earned money behind. Discover more: retiresa.co.za #FinancialFreedom #RetirementPlanning #GovernmentEmployees #PeaceOfMind #

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Can South African government employees truly control their retirement income? The answer lies in understanding the options available upon resignation. Retirement expert Dhevan Naicker outlines five main "Income for Life" choices. These range from fixed-income annuities where the insurer keeps your capital, to options with spousal or guaranteed term benefits. There’s even a hybrid of income and life cover. However, the most flexible option is the living annuity, where you retain control—choosing your investments, adjusting your income annually (between 2.5% and 17.5%), and ensuring your remaining capital goes to your heirs.

Choosing the right option depends on your financial goals, family needs, and how much control you want over your retirement funds. For a deeper understanding of these life-changing decisions, consider attending the Retire vs Resign Masterclass. It’s never too early—or too late—to take charge of your retirement journey.

Maximize your retirement benefits with expert advice from Retirement Wellness SA. Learn to avoid costly tax mistakes and plan for a secure,

[retiresa]

Maximize your retirement benefits with expert advice from Retirement Wellness SA. Learn to avoid costly tax mistakes and plan for a secure,