Retirement Insights
The challenge of using access wisely without borrowing too much from tomorrow
The two-pot retirement system has changed the way many South Africans think about retirement savings. For the first time, people have a formal mechanism that allows limited access to a portion of their retirement savings before retirement, while still preserving the larger portion for the long term.
17 July 2026
Retirement Insights
AI can open the door to retirement awareness, but human advice turns information into a plan
17 July 2026
Retirement Insights
The real cost of retirement is often shaped by what people did not plan for
17 July 2026
Retirement Insights
Retirement readiness is built layer by layer
Many South Africans are already doing something about retirement. They are contributing to an employer fund, opening savings accounts, investing when they can, planning to sell an asset, or imagining a small business that will provide income later in life. On paper, that may look like progress, but in practice, it can still leave major gaps.
17 July 2026
Retirement Insights
The importance of helping South Africans take the next retirement step
16 July 2026
Retirement Planning
Preserve Your Retirement: Why a Preservation Fund is Your Best Move
02 December 2025
Retirement Insights
Retirement Insights Survey eBook 2025 | FNB
This year's FNB Retirement Insights Survey highlights a new truth: money alone isn't enough. True retirement readiness means being financially secure, emotionally prepared, and physically well. Without all three, the dream can quickly feel like a burden.
26 June 2025
Retirement Insights
Retirement Planning: How We Feel About it also Matters | FNB
According to FNB's Retirement Survey, emotions influence financial decisions. Discover how to overcome biases and plan for retirement step-by-step.
09 July 2024
Disclaimer
This Publication note is issued by FNB for the information of clients only and should not be produced in whole or part without prior permission. Although FNB is an Authorised Financial Services Provider, any opinions and/or analysis contained in this Publication are for informational purposes only and should not be considered advice, including but not limited to financial, legal or tax advice, or a recommendation to invest in any security or to adopt any investment strategy. The information contained herein has been obtained from sources/persons which we believe to be reliable. Still, it is not guaranteed for correctness, completeness or otherwise. We do not assume liability for loss arising from errors in the information or that may be suffered from using or relying on the information contained herein, irrespective of whether there has been any negligence by us, our affiliates or any other employees of ours, and whether such losses are direct or consequential. As market and economic conditions are subject to rapid change, any comments, opinions and analyses are rendered as of the date of publishing and may change without notice. Such changes may have a material impact on the outcome of any investment. Securities involve a degree of risk and are volatile instruments. Past performance is not indicative of future performance. Securities or financial instruments mentioned in the Publication note may not be suitable for all investors, and FNB bears no responsibility whatsoever arising from or as a consequence thereof. The material is not intended as a complete analysis of every material fact regarding any share, instrument, sector, region, market, country, investment or strategy. The recipient of this Publication must make their own investment decision and is advised to contact their relationship manager for a personal financial analysis before making any investment decisions. Copyright 2023.
