As South Africa’s population continues to age and living costs rise, financial security and lifestyle planning have never been more critical. The 2025 FNB Retirement Insights Survey reveals that many retirees still face gaps in financial preparedness, estate planning, and health management.
“Retirement isn’t just a milestone”, says Himal Parbhoo, CEO of FNB Cash Investments. “It’s a journey that requires thoughtful preparation. With the right tools, individuals can take ownership of their financial future and make informed decisions with confidence.”
Parbhoo adds that, “We often assume there’s no need to plan but the opposite is true. A well-considered checklist can help you navigate retirement with clarity and peace of mind.”
Your checklist should cover 5 key areas:
- Financial planning – reviewing income sources, maintaining an emergency fund, reduce theboss@theindependent.co.zang debt, and diversifying income streams.
- Legal and estate considerations – updating wills, appointing trusted executors, and ensuring all policies are current.
- Health and wellness – maintaining physical and mental wellbeing, planning for long-term care, and staying socially connected.
- Fraud prevention – recognising scams, securing personal information, and using digital banking safely.
- Lifestyle and legacy planning – balancing enjoyment in retirement with creating a sustainable legacy for loved ones.
“The 2025 FNB Retirement Insights Survey highlights a growing trend among seniors to integrate health and lifestyle considerations into their financial planning,” says Samukelo Zwane, Head of Product at FNB Wealth and Investments. “There’s also a strong demand for digital tools that provide real-time insights and scenario planning. This shift underscores the need for solutions that combine financial security with overall well-being.”
Beyond finances, the checklist emphasizes maintaining health, planning for long-term care, and staying socially connected, while also educating seniors on fraud prevention and digital security. “Retirement planning is not a one-off event—it’s a journey that requires regular reviews and adjustments,” says Parbhoo. “Our goal is to make retirement planning simple, actionable, and holistic. This checklist is a practical tool to help seniors secure their financial future while enjoying the lifestyle they’ve worked hard for.”
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