In this episode of Everything Counts, we discuss retirement planning and saving for your future self. Host Motheo Khoaripe is joined by Kate Robson (co-head of Investec My Investments) and Kgomotso Motloung (Investec financial adviser). The conversation covers setting retirement goals, calculating how much you’ll need, and avoiding common financial mistakes. Whether you’re in your 30s or nearing retirement, this episode offers valuable insights on how to prepare for a financially secure future. Everything Counts is a podcast series dedicated to exploring the ins and outs of personal finance. Hosted by 702's Motheo Khoaripe, each episode brings together financial experts to tackle crucial topics like saving, debt management, investing, and smart financial habits. The goal is to empower listeners with the knowledge and tools they need to achieve financial wellness. #RetirementPlanning #FinancialWellness #InvestSmart #SavingForTheFuture #InvestecPodcast #EverythingCounts #RetirementSavings #MoneyMatters #FinancialAdvice Key moments: 00:00 Introduction 01:20 Where to start with retirement planning 04:00 Calculating replacement ratios for retirement 05:36 The impact of inflation on your savings 06:47 Tactics to set you up for a comfortable retirement 10:58 Time as a key asset in retirement planning 11:17 Different retirement savings products explained 12:18 Should you cash out your pension fund when switching jobs? 17:33 Mistakes to avoid when reaching retirement 18:32 The benefits of living annuities and other preservation options You may be interested in: As an Investec client, you have access to a dedicated Investec financial adviser for your life insurance and investment needs. Our advisers provide objective advice with no additional fees or commissions. Ensuring transparency and trust. Experience clear, unbiased advice with your trusted financial partner.