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MONEY TALK | POST-RETIREMENT STRATEGY

[vc_row row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” text_align=”left” background_animation=”none” css_animation=””][vc_column][vc_column_text]By guest contributor, John Anderson, Executive : Investments, Products & Enablement, Alexander Forbes[/vc_column_text][vc_empty_space][vc_column_text]Many people want to leave a financial legacy for their children or grandchildren. When they are deciding how to invest their savings in retirement, this is a priority for them.[/vc_column_text][vc_column_text]For a large number of investors, this is one of the guiding reasons why they choose to place all of their money in an investment-linked living annuity . These are products that pay an income from an underlying portfolio, where the investor retains ownership of the funds. Whatever is left when they pass away, is paid out to their nominated beneficiaries.

While this may be a noble aim, most people heavily underestimate the risk inherent in this strategy. That is that there are no guarantees in a living annuity. If markets perform poorly or if you draw too much, or both, you can deplete those savings entirely.

[/vc_column_text][vc_empty_space][vc_column_text]Investors also over-emphasise the risk of dying in the early years of retirement and under-appreciate the danger of outliving their money. Most people also don’t contemplate the fact that their legacy is not guaranteed to be positive, especially if they live longer than expected and need to rely on their family for support in advanced ages.

Potentially, an inheritance can actually be negative.  In many cases, it is. You actually draw from your family.

Through extensive research on the optimal investment strategies in retirement, with a great deal of focus placed on this risk, I have found that when you get to retirement, you may have lots of different objectives with your money, but they can be distilled into two things.  One is having a sustainable income that keeps pace with inflation, and the other is having funds available for flexibility or to leave an inheritance.

[/vc_column_text][vc_empty_space][blockquote text=”Investors also over-emphasise the risk of dying in the early years of retirement and under-appreciate the danger of outliving their money. Most people also don’t contemplate the fact that their legacy is not guaranteed to be positive, especially if they live longer than expected and need to rely on their family for support in advanced ages.” show_quote_icon=”yes”][vc_empty_space][vc_single_image image=”6105″ img_size=”full” qode_css_animation=””][vc_empty_space][/vc_column][/vc_row][vc_row row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” text_align=”left” background_animation=”none” css_animation=””][vc_column][blockquote text=”Some may place a higher emphasis on a regular income, while others want to ensure that they pass on a legacy to their children or grandchildren. This is the post-retirement problem in a nutshell. How do you manage the balance between these two requirements?” show_quote_icon=”yes”][vc_empty_space][vc_column_text]There is always a trade-off between these two objectives. The higher the income you want and the more sustainable you want it to be, the less you are going to be able to set aside for other things. How much money you have will also determine the extent to which you can afford to meet one or both of these objectives.

In addition, how much different people value each of these objectives will vary. Some may place a higher emphasis on a regular income, while others want to ensure that they pass on a legacy to their children or grandchildren.

This is the post-retirement problem in a nutshell. How do you manage the balance between these two requirements?

It is a far more complicated problem than anything you face while accumulating your retirement savings. In that phase, you are only balancing risk against return to grow your investment to a suitable level at a given point.

In retirement, however, you want the optimal mix of assets to provide for a given level of spending needs, while maximising your liquidity. Fortunately, you don’t just have traditional asset classes though. You also have the option of life annuities that produce a return with a different profile.

Life annuities, or guaranteed annuities, are perhaps the most under-appreciated and under-utilised tools available to South African investors. According to Anderson and Empedocles’ research, they should be a critical part of any post-retirement strategy, as they are the only asset class that continues to pay an income linked to how long you live.  When making use of this asset class in your strategy, you will also have a greater ability to invest the balance of your investments in more growth-oriented assets – improving the chance of achieving a greater long-term return on your total portfolio.

It’s always better to have at least some part of your retirement portfolio in a life annuity, because it improves the sustainability of your income, and improves the legacy. This may seem counter-intuitive. After all, purchasing a guaranteed annuity requires you to use a portion of your capital to secure a life-long income. At face value, you are therefore giving up some liquidity.[/vc_column_text][vc_empty_space][blockquote text=”Over a full lifetime, it is important to look at the expected legacy at every point in time, and ensure that this is managed responsibly over the full period. Often, as people live longer than expected, they end up having to be supported by their families in advanced ages with a negative legacy value if their income has not lasted to that point.” show_quote_icon=”yes”][vc_empty_space][vc_single_image image=”6107″ img_size=”full” qode_css_animation=””][vc_empty_space][vc_column_text]However, because of the risk of outliving your money inherent in any living annuity, a life annuity can reduce, and preferably eliminate the risk of a negative legacy in the later years in retirement.  Over a full lifetime, it is important to look at the expected legacy at every point in time, and ensure that this is managed responsibly over the full period.  Often, as people live longer than expected, they end up having to be supported by their families in advanced ages with a negative legacy value if their income has not lasted to that point.

For many people, this may seem a poor solution, because the income you are able to secure from a guaranteed annuity will almost inevitably be lower to start with than a living annuity, or even a fixed deposit. The risk over time, however, is far greater in the other options. If you don’t secure an income, you have to have a plan for what you will do when you run out of money.

As a minimum, for your basic needs that you really can’t live without, always have a life annuity. That at least protects you.”

Having a guaranteed annuity for these essential expenses means that no matter how long you live, you will at least maintain a minimum standard of living without having to get money from anywhere else. You can then still invest a portion of your savings in a living annuity where you have more flexibility and discretion.

Depending on your requirements, however, the balance between a living annuity and life annuity may vary. The optimal investment strategy within your living annuity can also change depending on your requirements and how much money you have.  It is therefore important to review the mix between these two types of asset classes regularly into retirement.

These are complex calculations that require the assistance of financial planning professionals. Tools developed from the research can also model how best to structure a portfolio that best meets the two objectives : income sustainability and leaving a legacy.

I like the hybrid annuities that are structured as a living annuity, where you can then invest a portion of your assets in a life annuity as an additional asset class based on your objectives.  It is the most flexible and the easiest way to balance these needs within a single solution.[/vc_column_text][blockquote text=”As a minimum, for your basic needs that you really can’t live without, always have a life annuity. That at least protects you.” show_quote_icon=”yes” text_color=”#dd9933″][vc_empty_space][vc_text_separator title=”About the author | John Anderson”][vc_empty_space][vc_column_text]John is the executive for Investments, Products and Enablement at Alexander Forbes. In this role he oversees the management of the Alexander Forbes Group’s solutions in line with the company’s approach of securing a lifetime of financial well-being for clients. He has 20 years’ experience in employee benefits and asset management.

John has consulted to a number of large clients as valuator, employee benefit consultant, investment consultant and portfolio manager. He was the national head of consulting strategy for many years before leading the Research & Product Development area in Alexander Forbes Financial Services.

John is a fellow of both the Actuarial Society of South Africa (FASSA) and the Institute and Faculty of Actuaries (FFA) and a member of several of the Association for Savings and Investment South Africa (ASISA) bodies and committees.[/vc_column_text][/vc_column][/vc_row]

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By oasis-life
02 Nov 2021
Ripple Magazine

Oasis Life Burgundy Estate under construction

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By oasis-life
02 Nov 2021
Ripple Magazine

Living at Oasis Life Clara Anna Fontein

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By oasis-life
02 Nov 2021
Ripple Magazine

Frequently Asked Questions | Primary Healthcare

Oasis Life offers Primary Healthcare.  What Does this Mean? Our Oasis Life Clara Anna Fontein Clubhouse includes a Healthcare Suite consisting of a re...

By oasis-life
02 Nov 2021
Ripple Magazine

Meet Neil Barry

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By oasis-life
02 Nov 2021
Ripple Magazine

Selfcare in the time of a pandemic

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By oasis-life
02 Nov 2021
Ripple Magazine

What’s Up at Oasis Life: Winter 2020

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By oasis-life
02 Nov 2021
Ripple Magazine

Oasis Life Clara Anna Fontein in Durbanville welcomes first retirement residents

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By oasis-life
02 Nov 2021
Ripple Magazine

Ground broken on new Oasis Life Burgundy Estate development

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By oasis-life
02 Nov 2021
Ripple Magazine

Living in a new-generation retirement estate: perception versus reality

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By oasis-life
02 Nov 2021
Ripple Magazine

Travel the world – from your couch!

Travel the world - from your couch! Just because you’re at home does not mean that you can’t go anywhere. If you’ve always wanted to visit some of the...

By oasis-life
02 Nov 2021
Ripple Magazine

Frequently Asked Questions | Let’s talk healthcare

Let’s Talk Healthcare    Does Oasis Life have frail care facilities? Oasis Life estates do not have frail care facilities, but all Oasis Life r...

By oasis-life
02 Nov 2021
Ripple Magazine

Meet Allen Usher

You might have seen Allen’s contact details on an Oasis Life advertisement or social media post.  But who is Allen?  Allen Usher entered the property...

By oasis-life
02 Nov 2021
Ripple Magazine

On the Edge of City Living | Burgundy Estate

Your Retirement at Burgundy Estate With the suburbs of Cape Town to the south, the beaches of Milnerton and Blouberg to the west, and the winelands of...

By oasis-life
02 Nov 2021
Ripple Magazine

We Have a New Retirement Show House at Clara Anna Fontein!

Following the run-away success of the release of our first three show houses, we are very proud to announce that our new retirement one-bedroom showho...

By oasis-life
02 Nov 2021
Ripple Magazine

Contemporary Designed Age-Tailored Retirement Homes

Without compromising on style and contemporary architecture, we carefully design our Oasis Life homes to ensure that every lay-out is practical and sm...

By oasis-life
02 Nov 2021
Ripple Magazine

Healthy Eating as You Age

Why it’s Important to Look After Your Diet   Kim Tempest is a Functional Nutritional Therapist and practice from home in Kirstenbosch-Bishopscou...

By oasis-life
02 Nov 2021
Ripple Magazine

What’s Up at Oasis Life? Autum 2020

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By oasis-life
02 Nov 2021
Ripple Magazine

Burgundy Estate – We Have Lift Off

We successfully launched our third Oasis Life retirement development on 21 November at Burgundy Estate in Milnerton. It was great to meet several visi...

By oasis-life
02 Nov 2021
Ripple Magazine

Show Houses at Clara Anna Fontein

Clara Anna Fontein Successfully Launches Three Furnished Show Houses Located on the picturesque hills of Durbanville, Clara Anna Fontein - a farm stee...

By oasis-life
02 Nov 2021
Ripple Magazine

Hospitality with a Smile

Meet the Hoteliers Behind the Hospitality Lifestyle at Oasis Life At Oasis Life, we’re promising a resort-like lifestyle with hospitality from the top...

By oasis-life
02 Nov 2021
Ripple Magazine

An Unforgettable Holiday – 5 Luxury African Destinations to Add to Your Bucket List

Asante Travel designs tailor-made experiences that submerge you in the beauty, magnificence and happiness of Africa and offer authentic, luxurious and...

By oasis-life
02 Nov 2021
Ripple Magazine

What’s Up at Oasis Life?

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By oasis-life
02 Nov 2021
Ripple Magazine

Oasis Life Burgundy Estate

Introducing our retirement homes at Burgundy Estate, Oasis Life, is set in the successful Burgundy Estate. With the suburbs of Cape Town to the south,...

By oasis-life
02 Nov 2021
Ripple Magazine

Clara Anna Fontein Show Houses

Show houses loading… The views are to die for and the calm, beautiful country setting is comparable to none. Less than 5km away from all modern amenit...

By oasis-life
02 Nov 2021
Ripple Magazine

Fountain of Youth Hacks: Proving That Age is Just a Number

From the start, the Baby Boomer generation born between 1946 and 1964 embraced an anti-establishment attitude. Boomers came of age between two major w...

By oasis-life
02 Nov 2021
Ripple Magazine

You Have a Friend in Technology

It’s no longer novel to enjoy the company of your friends on Facebook or appreciate the ease of Instagram – after all, it was a baby boomer, Tim Berne...

By oasis-life
02 Nov 2021
Ripple Magazine

What’s up at Oasis Life?

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By oasis-life
02 Nov 2021
Ripple Magazine

What’s up at Oasis Life?

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By oasis-life
02 Nov 2021
Ripple Magazine

Our Four Security Pillars

Oasis Life offers you peace of mind in four main areas, ensuring that all your requirements are taken care of. We want you to love your retirement and...

By oasis-life
02 Nov 2021
Ripple Magazine

Fitness Myths Debunked

Conrad van der Merwe Biokineticist specialising in fitness for mature bodies. Conrad hails from Kimberley and qualified as biokineticist at the Univer...

By oasis-life
02 Nov 2021
Ripple Magazine

Show Houses Loading

Set on the rolling hills of Durbanville, our three Oasis Life Clara Anna Fontein show houses are taking shape, as well as our clubhouse. We are busy c...

By oasis-life
02 Nov 2021
Ripple Magazine

Next Generation Retirement

What is next generation retirement?  For decades 65 was the typical retirement age. Starting in their early fifties, but certainly by age 70, people w...

By oasis-life
02 Nov 2021
Ripple Magazine

Welcome to Ripple

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By oasis-life
02 Nov 2021
Ripple Magazine

Estate Living in Durbanville

The first thing that strikes you about Clara Anna Fontein is the vast open space. Panoramic views of cascading hills as far as the eye can see, with t...

By oasis-life
02 Nov 2021
Ripple Magazine

Life & Legacy Planning

Providing an Optimal Investment Strategy into Retirement A legacy means different things to different people. To some of us, it is leaving your childr...

By oasis-life
02 Nov 2021
Ripple Magazine

What’s New: An Update on Oasis Life

Oasis Life Burgundy Estate Located in an 80-hectare lifestyle development bordering the De Grendel wine estate, Oasis Life Burgundy Estate will combin...

By oasis-life
02 Nov 2021
Ripple Magazine

Community Spirit at Oasis Life Retirement Resorts

We also spoke with Annemarie Le Roux to learn about her Oasis Life retirement at Burgundy Estate. Here’s what Annemarie had to say: “Since joining ...

By oasis-life
02 Nov 2021
Ripple Magazine

Living at Oasis Life Burgundy Estate

Ripple spoke to Oasis Life resident, Jane Schwerin, to get the scoop on retirement life at Burgundy Estate. Here’s what Jane had to say: “What init...

By oasis-life
02 Nov 2021
Ripple Magazine

Retirement, reimagined

In an exclusive interview with Ludick and Helena Janse van Rensburg, who moved to Oasis Life Clara Anna Fontein in March 2022, we spoke about their re...

By oasis-life
02 Nov 2021
Ripple Magazine

You Hue!

How to use colour for peace, communication and happiness By Pnina Fenster   For as long as humans have existed, colour has been essential ...

By oasis-life
02 Nov 2021
Ripple Magazine

DOES MY BOOK LOOK SMART? Spring 2023

A Ripple Spring 2023 article   Killing Moon by Jo Nesbo If you thought you’d seen the last of detective Harry Hole, think again! He returns...

By oasis-life
02 Nov 2021
Ripple Magazine

ROOM TO BREATHE – Andrea Marais, Spring 2023

A Ripple Spring 2023 article Transitioning. Simplifying. Choosing. These are words that may evoke a mixture of emotions among those who understand...

By oasis-life
02 Nov 2021
Ripple Magazine

10 EASY WAYS TO FEEL BETTER, Spring 2023

A Ripple Spring 2023 article 1. EXPRESS GRATITUDE Extensive research finds that regularly practicing gratitude increases optimism, promotes a positi...

By oasis-life
02 Nov 2021
Ripple Magazine

CONSTANTIA, Spring 2023

A Ripple Spring 2023 article Oasis Life Constantia: A Southern Suburb Gem Oasis Life Constantia, our third secure retirement estate, launched in t...

By oasis-life
02 Nov 2021
Ripple Magazine

HOW TO MAKE FRIENDS AS AN ADULT, Spring 2023

A Ripple Spring 2023 article Friendship is one of the sweetest parts of being human, providing a deep well of love, community, and nourishment for bo...

By oasis-life
02 Nov 2021
Ripple Magazine

BURGUNDY ESTATE, Spring 2023

A Ripple Spring 2023 article [/vc_column_text][vc_empty_space][vc_column_text]Burgundy Estate Continues to Grow Burgundy Estate adjoins the histor...

By oasis-life
02 Nov 2021
Ripple Magazine

A PERSONAL PERSPECTIVE – Arthur Case, Spring 2023

A Ripple Spring 2023 article I “retired” in April 2020 at the start of the Covid-19 lockdown, after a career in financial services, healthcare, and b...

By oasis-life
02 Nov 2021
Ripple Magazine

Letter from our CEO, Spring 2023

A Ripple Spring 2023 article [/vc_column_text][vc_empty_space][vc_column_text]As Spring greets us in the Western Cape, we start enjoying warmer weath...

By oasis-life
02 Nov 2021
Ripple Magazine

Clara Anna Fontein is a “lekker” place to live!

A Ripple Autumn 2023 article Clara Anna Fontein, situated at the foothills of Durbanville and with panoramic views that will take your breath away, s...

By oasis-life
02 Nov 2021
Ripple Magazine

Hello Constantia! Our new development has launched.

A Ripple Autumn 2023 article [/vc_column_text][vc_empty_space][vc_column_text]“We proudly present Oasis Life Constantia, Rabie's third secure retirem...

By oasis-life
02 Nov 2021
Ripple Magazine

Ripple Book Club: Autumn 2023

  A Ripple Autumn 2023 article In Ripple Book Club's Autumn 2023, we feature some page turners, from who-done-its, to novels and riveting autob...

By oasis-life
02 Nov 2021
Ripple Magazine

From side hustle to money-maker: ways to earn income during retirement

A Ripple Autumn 2023 article Retirement is a time to relax and enjoy life, but it can also be a time when you find yourself needing additional income...

By oasis-life
02 Nov 2021
Ripple Magazine

Keep your mind young!

A Ripple Autumn 2023 article   Stay active and engaged Keeping your mind active and engaged is crucial to maintaining mental acuity as you age...

By oasis-life
02 Nov 2021
Ripple Magazine

From home to care facility: which long-term care option is right for you?

  A Ripple Autumn 2023 article   Let’s look at assisted living, frail care, and home-based care. Once you reach a certain age – and that...

By oasis-life
02 Nov 2021
Ripple Magazine

From garden to table: Thyme

  A Ripple Autumn 2023 article Thyme is an aromatic herb that is commonly used in cooking, but it has also been used for medicinal purposes for...

By oasis-life
02 Nov 2021
Ripple Magazine

What to consider when choosing an executor

A Ripple Autumn 2023 article Choosing an executor is an important decision when creating a will or trust. The executor will be responsible for handli...

By oasis-life
02 Nov 2021
Ripple Magazine

Meet our new CEO, Glyn Taylor

A Ripple Autumn 2023 article [/vc_column_text][vc_empty_space][vc_column_text]In 2013, the Rabie Property Group commenced with the planning of a worl...

By oasis-life
02 Nov 2021
Ripple Magazine

Burgundy Estate Keeps On Growing

A Ripple Autumn 2023 article Oasis Life Burgundy Estate continues to grow with over 100 concluded sales to date with residents enjoying the lifestyle...

By oasis-life
02 Nov 2021
Ripple Magazine

Third retirement estate for Oasis Life

“We proudly present Oasis Life Constantia, Rabie's third secure retirement estate in the beautiful Western Cape,” says Mariska Auret, Director at Rabi...

By oasis-life
02 Nov 2021
Ripple Magazine

Let’s Get Festive: What’s For Lunch? Sweet Desserts

A Ripple Summer 2022 Article A beautiful, sumptuous Christmas lunch or Christmas Eve dinner is a very important occasion in most calendars.  It’s dif...

By oasis-life
02 Nov 2021
Ripple Magazine

2022 – A Year in Review | From our management team

A Ripple Summer 2022 article 2022 - A Year in Review. We look back at 2022 at Oasis Life and what our management team is looking forward to in 2023. ...

By oasis-life
02 Nov 2021
Ripple Magazine

An update on Oasis Life Constantia

  A Ripple Summer 2022 article We have had a fantastic response to our upcoming development in Constantia! Our project team is working hard beh...

By oasis-life
02 Nov 2021
Ripple Magazine

Knitting for Good

  A Ripple Summer 2022 article Our Clara Anna Fontein community’s hands have not been idle!  A group of ladies have been very busy knitting ted...

By oasis-life
02 Nov 2021
Ripple Magazine

Ripple Book Club Summer 2022

  A Ripple Summer 2022 article Ripple Book Club 2022 brings you a selection of latest reads for every taste - from recipes to autobiographies a...

By oasis-life
02 Nov 2021
Ripple Magazine

5 Things to do with your grandchildren this holiday

  A Ripple Summer 2022 article The festive season is family time and whether your grandchildren visit from near or far, spending time with them...

By oasis-life
02 Nov 2021
Ripple Magazine

You are what you eat | Let’s look at digestive health

  A Ripple Summer 2022 article The secret to successful ageing may just lie in your digestive system. Trillions of microbes — bacteria, viru...

By oasis-life
02 Nov 2021
Ripple Magazine

Let’s Get Festive: What’s below the bow?

  A Ripple Summer 2022 article It’s that time of year where you must conjure gift ideas!  And unless someone has a specific hobby that you know...

By oasis-life
02 Nov 2021
Ripple Magazine

Demystifying online shopping

  A Ripple Spring 2022 article Being disconnected from shops during the pandemic drove online shopping in South Africa to new levels.  It’s no ...

By oasis-life
02 Nov 2021
Ripple Magazine

From garden to table

  A Ripple Spring 2022 article From garden to table, our new series, we look at herbs and veggies you can grow in your garden or in pots if you...

By oasis-life
02 Nov 2021
Ripple Magazine

Last houses at Clara Anna Fontein

  A Ripple Spring 2022 article Set against a spectacular backdrop, surrounded by nature and the serenity of wide-open spaces, it’s no secret wh...

By oasis-life
02 Nov 2021
Ripple Magazine

An update on Oasis Life Constantia

  A Ripple Spring 2022 article We’re delighted that we are making great progress on the design development phase of Oasis Life Constantia and c...

By oasis-life
02 Nov 2021
Ripple Magazine

Dealing with the loss of your partner

  A Ripple Spring 2022 article It’s not something you ever want to consider, in fact, the mere thought might cause shivers down your spine or b...

By oasis-life
02 Nov 2021
Ripple Magazine

Let’s talk about arthritis

  A Ripple Spring 2022 article   What is arthritis? Arthritis isn’t a single disease; the term refers to joint pain or joint disease, an...

By oasis-life
02 Nov 2021
Ripple Magazine

Ripple Book Club | Spring 2022

  A Ripple Spring 2022 article Koos Bekker has amassed one of the largest fortunes ever by a South African. Just how did he do it? Under Koo...

By oasis-life
02 Nov 2021
Ripple Magazine

Let’s talk about levies

  A Ripple Spring 2022 article Below is a summary of what is included in the levies: Use of the Clubhouse facilities: dining facility, lou...

By oasis-life
02 Nov 2021
Ripple Magazine

Burgundy Estate celebrates Spring with an Open Day

  Ripple Spring Edition 2022 Hosting a festive Open Day, visitors from far and wide, as well as residents, saw this secure estate showing off d...

By oasis-life
02 Nov 2021
Ripple Magazine

Join our open day at Burgundy Estate!

We're celebrating Spring and new beginnings, and we would love to share it with you! You're invited to experience a taste of the exceptional lifestyle...

By oasis-life
02 Nov 2021
Ripple Magazine

Ripple Book Club | Winter 2022

A Ripple Winter 2022 article For the Ripple Book Club this Winter, we selected the latest release books for you to cosy up to from novels to gripping...

By oasis-life
02 Nov 2021
Ripple Magazine

Don’t retire your spark! Reignite it.

A Ripple Winter 2022 article “What am I supposed to do with the rest of my life?” is a question we all ask ourselves at some point and perhaps severa...

By oasis-life
02 Nov 2021
Ripple Magazine

Dealing with the loss of your partner

A Ripple Spring 2022 article Love doesn’t die with death. Love is like liquid; when it pours out, it seeps into others’ lives. Love changes form and ...

By oasis-life
02 Nov 2021
Ripple Magazine

Savvy senior – your status could benefit your wallet

A Ripple Winter 2022 article You might not like to be called a “pensioner”, because face it, you will be forever young, but when it comes to saving a...

By oasis-life
02 Nov 2021
Ripple Magazine

A whole lot of Burgundy Estate

A Ripple Winter 2022 article “This was the best decision ever to relocate,” says Glenda Hon, resident. “I tell everyone who’s thinking of moving to f...

By oasis-life
02 Nov 2021
Ripple Magazine

Frequently asked questions

A Ripple Winter 2022 article ]In our new series of Frequently asked Questions, we hope to answer some of the questions you might have about Oasis Lif...

By oasis-life
02 Nov 2021
Ripple Magazine

A wonderful lifestyle at Clara Anna Fontein

A Ripple Winter 2022 article Set against the foothills of Durbanville’s hills, the secure lifestyle estate of Clara Anna Fontein has matured to 300 h...

By oasis-life
02 Nov 2021
Ripple Magazine

Oasis Life locations coming soon

A Ripple Autumn 2022 article   Oasis Life Constantia Living on the edge of Constantia’s Wine Route, with a variety of shopping destinations an...

By oasis-life
02 Nov 2021
Ripple Magazine

Living with Dementia

  A Ripple Winter 2022 article For many, dementia has become buzz word which fills them with fear and uncertainty. We are told that the number ...

By oasis-life
02 Nov 2021
Ripple Magazine

Clara Anna Fontein: the final countdown

A Ripple Autumn 2022 article With just over a hundred residents and handovers of houses currently in progress, the luxury retirement estate within Cl...

By oasis-life
02 Nov 2021
Ripple Magazine

Divorce after 50. What now?

  A Ripple Autumn 2022 article   Grey divorce is on the rise. What is it and what do you do when it happens? We’re hearing it more often...

By oasis-life
02 Nov 2021
Ripple Magazine

What happens to my pension fund when I retire?

A Ripple Autumn 2022 article   We look at options available to you on retiring from your employer. As a soon-to-be pensioner, it can be diffic...

By oasis-life
02 Nov 2021
Ripple Magazine

We look at Healthcare Security

A Ripple Autumn 2022 article In our new series, we will look at each of the four Oasis Life Security pillars, namely Healthcare Security, Financial S...

By oasis-life
02 Nov 2021
Ripple Magazine

Ripple Book Club | Autumn Reads

  A RIPPLE AUTUMN 2022 ARTICLE   As the weather outside becomes a little nippy, it’s time to light the fireplace, get nice and cosy with ...

By oasis-life
02 Nov 2021
Ripple Magazine

Let’s look at eye care

  A Ripple Autumn 2022 article Many eye diseases have no early symptoms. They may develop painlessly, and you may not notice the changes to you...

By oasis-life
02 Nov 2021
Ripple Magazine

Burgundy Estate’s phase two is under construction

A Ripple Autumn 2022 article Launched at the end of October, the second phase of the secure retirement estate in Burgundy Estate is under constructio...

By oasis-life
02 Nov 2021
Ripple Magazine

Oasis Life Burgundy Estate commences with second phase

With all the 24 houses in the first phase sold, as well as eight of the 15 houses in phase two, construction has begun again at Oasis Life Burgundy Es...

By oasis-life
02 Nov 2021
Ripple Magazine

Be a culture vulture

Visit our choice of Cape Town’s top art destinations “Art washes away from the soul the dust of everyday life.” ― Pablo Picasso   This D...

By oasis-life
02 Nov 2021
Ripple Magazine

It’s always festive at Oasis Life

It’s been a great year at Oasis Life with new residents joining our community throughout the year in Clara Anna Fontein and the first residents moving...

By oasis-life
02 Nov 2021
Ripple Magazine

RIPPLE BOOK CLUB | SUMMER READS

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By oasis-life
02 Nov 2021
Ripple Magazine

RIPPLE BOOK CLUB | SPRING READS

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By oasis-life
02 Nov 2021
Ripple Magazine

HEALTH CORNER | LET’S GET FLEXIBLE

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By oasis-life
02 Nov 2021
Ripple Magazine

BURGUNDY ESTATE LAUNCHES PHASE TWO

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By oasis-life
02 Nov 2021
Ripple Magazine

CLARA ANNA FONTEIN’S PHASE ONE SELLS OUT

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By oasis-life
02 Nov 2021
Ripple Magazine

MONEY TALK | POST-RETIREMENT STRATEGY

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By oasis-life
02 Nov 2021
Ripple Magazine

BLUE ZONES

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By oasis-life
02 Nov 2021
Ripple Magazine

LIFE RIGHTS, YOUR QUESTIONS ANSWERED

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By oasis-life
02 Nov 2021
Ripple Magazine

How to deal with major life changes

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By oasis-life
02 Nov 2021
Ripple Magazine

The art of de-cluttering

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By oasis-life
02 Nov 2021
Ripple Magazine

Who’s old? Is 75 the new 65?

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By oasis-life
02 Nov 2021
Ripple Magazine

Ripple Book Club

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By oasis-life
02 Nov 2021
Ripple Magazine

Riana’s Corner – Let’s talk about diabetes

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By oasis-life
02 Nov 2021
Ripple Magazine

Oasis Life Clara Anna Fontein is hot property

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By oasis-life
02 Nov 2021
Ripple Magazine

Oasis Life Burgundy Estate opens its doors

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By oasis-life
02 Nov 2021
Ripple Magazine

Tax advantages of formal retirement savings

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By oasis-life
02 Nov 2021
Ripple Magazine

Consider those you leave behind: Let’s talk about your will

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By oasis-life
02 Nov 2021
Ripple Magazine

Riana’s Corner: Hypertension

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By oasis-life
02 Nov 2021
Ripple Magazine

Clara Anna Fontein launches phase two

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By oasis-life
02 Nov 2021
Ripple Magazine

Ripple Book Club

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By oasis-life
02 Nov 2021
Ripple Magazine

The sitting disease: why inactivity is dangerous for your health

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By oasis-life
02 Nov 2021
Ripple Magazine

Burgundy Estate is almost ready

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By oasis-life
02 Nov 2021
Ripple Magazine

Be stylish at any age

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By oasis-life
02 Nov 2021
Ripple Magazine

Oasis Life Burgundy Estate under construction

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By oasis-life
02 Nov 2021
Ripple Magazine

Ripple Book Club

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By oasis-life
02 Nov 2021
Ripple Magazine

Our clubhouse is open! Oasis Life Clara Anna Fontein

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By oasis-life
02 Nov 2021
Ripple Magazine

Riana’s Corner | Looking after your skin

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By oasis-life
02 Nov 2021
Ripple Magazine

Oasis Life Burgundy Estate under construction

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By oasis-life
02 Nov 2021
Ripple Magazine

Living at Oasis Life Clara Anna Fontein

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By oasis-life
02 Nov 2021
Ripple Magazine

Frequently Asked Questions | Primary Healthcare

Oasis Life offers Primary Healthcare.  What Does this Mean? Our Oasis Life Clara Anna Fontein Clubhouse includes a Healthcare Suite consisting of a re...

By oasis-life
02 Nov 2021
Ripple Magazine

Meet Neil Barry

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By oasis-life
02 Nov 2021
Ripple Magazine

Selfcare in the time of a pandemic

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By oasis-life
02 Nov 2021
Ripple Magazine

What’s Up at Oasis Life: Winter 2020

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By oasis-life
02 Nov 2021
Ripple Magazine

Oasis Life Clara Anna Fontein in Durbanville welcomes first retirement residents

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By oasis-life
02 Nov 2021
Ripple Magazine

Ground broken on new Oasis Life Burgundy Estate development

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By oasis-life
02 Nov 2021
Ripple Magazine

Living in a new-generation retirement estate: perception versus reality

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By oasis-life
02 Nov 2021
Ripple Magazine

Travel the world – from your couch!

Travel the world - from your couch! Just because you’re at home does not mean that you can’t go anywhere. If you’ve always wanted to visit some of the...

By oasis-life
02 Nov 2021
Ripple Magazine

Frequently Asked Questions | Let’s talk healthcare

Let’s Talk Healthcare    Does Oasis Life have frail care facilities? Oasis Life estates do not have frail care facilities, but all Oasis Life r...

By oasis-life
02 Nov 2021
Ripple Magazine

Meet Allen Usher

You might have seen Allen’s contact details on an Oasis Life advertisement or social media post.  But who is Allen?  Allen Usher entered the property...

By oasis-life
02 Nov 2021
Ripple Magazine

On the Edge of City Living | Burgundy Estate

Your Retirement at Burgundy Estate With the suburbs of Cape Town to the south, the beaches of Milnerton and Blouberg to the west, and the winelands of...

By oasis-life
02 Nov 2021
Ripple Magazine

We Have a New Retirement Show House at Clara Anna Fontein!

Following the run-away success of the release of our first three show houses, we are very proud to announce that our new retirement one-bedroom showho...

By oasis-life
02 Nov 2021
Ripple Magazine

Contemporary Designed Age-Tailored Retirement Homes

Without compromising on style and contemporary architecture, we carefully design our Oasis Life homes to ensure that every lay-out is practical and sm...

By oasis-life
02 Nov 2021
Ripple Magazine

Healthy Eating as You Age

Why it’s Important to Look After Your Diet   Kim Tempest is a Functional Nutritional Therapist and practice from home in Kirstenbosch-Bishopscou...

By oasis-life
02 Nov 2021
Ripple Magazine

What’s Up at Oasis Life? Autum 2020

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By oasis-life
02 Nov 2021
Ripple Magazine

Burgundy Estate – We Have Lift Off

We successfully launched our third Oasis Life retirement development on 21 November at Burgundy Estate in Milnerton. It was great to meet several visi...

By oasis-life
02 Nov 2021
Ripple Magazine

Show Houses at Clara Anna Fontein

Clara Anna Fontein Successfully Launches Three Furnished Show Houses Located on the picturesque hills of Durbanville, Clara Anna Fontein - a farm stee...

By oasis-life
02 Nov 2021
Ripple Magazine

Hospitality with a Smile

Meet the Hoteliers Behind the Hospitality Lifestyle at Oasis Life At Oasis Life, we’re promising a resort-like lifestyle with hospitality from the top...

By oasis-life
02 Nov 2021
Ripple Magazine

An Unforgettable Holiday – 5 Luxury African Destinations to Add to Your Bucket List

Asante Travel designs tailor-made experiences that submerge you in the beauty, magnificence and happiness of Africa and offer authentic, luxurious and...

By oasis-life
02 Nov 2021
Ripple Magazine

What’s Up at Oasis Life?

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By oasis-life
02 Nov 2021
Ripple Magazine

Oasis Life Burgundy Estate

Introducing our retirement homes at Burgundy Estate, Oasis Life, is set in the successful Burgundy Estate. With the suburbs of Cape Town to the south,...

By oasis-life
02 Nov 2021
Ripple Magazine

Clara Anna Fontein Show Houses

Show houses loading… The views are to die for and the calm, beautiful country setting is comparable to none. Less than 5km away from all modern amenit...

By oasis-life
02 Nov 2021
Ripple Magazine

Fountain of Youth Hacks: Proving That Age is Just a Number

From the start, the Baby Boomer generation born between 1946 and 1964 embraced an anti-establishment attitude. Boomers came of age between two major w...

By oasis-life
02 Nov 2021
Ripple Magazine

You Have a Friend in Technology

It’s no longer novel to enjoy the company of your friends on Facebook or appreciate the ease of Instagram – after all, it was a baby boomer, Tim Berne...

By oasis-life
02 Nov 2021
Ripple Magazine

What’s up at Oasis Life?

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By oasis-life
02 Nov 2021
Ripple Magazine

What’s up at Oasis Life?

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By oasis-life
02 Nov 2021
Ripple Magazine

Our Four Security Pillars

Oasis Life offers you peace of mind in four main areas, ensuring that all your requirements are taken care of. We want you to love your retirement and...

By oasis-life
02 Nov 2021
Ripple Magazine

Fitness Myths Debunked

Conrad van der Merwe Biokineticist specialising in fitness for mature bodies. Conrad hails from Kimberley and qualified as biokineticist at the Univer...

By oasis-life
02 Nov 2021
Ripple Magazine

Show Houses Loading

Set on the rolling hills of Durbanville, our three Oasis Life Clara Anna Fontein show houses are taking shape, as well as our clubhouse. We are busy c...

By oasis-life
02 Nov 2021
Ripple Magazine

Next Generation Retirement

What is next generation retirement?  For decades 65 was the typical retirement age. Starting in their early fifties, but certainly by age 70, people w...

By oasis-life
02 Nov 2021
Ripple Magazine

Welcome to Ripple

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By oasis-life
02 Nov 2021
Ripple Magazine

Estate Living in Durbanville

The first thing that strikes you about Clara Anna Fontein is the vast open space. Panoramic views of cascading hills as far as the eye can see, with t...

By oasis-life
02 Nov 2021
Ripple Magazine

Life & Legacy Planning

Providing an Optimal Investment Strategy into Retirement A legacy means different things to different people. To some of us, it is leaving your childr...

By oasis-life
02 Nov 2021
Ripple Magazine

What’s New: An Update on Oasis Life

Oasis Life Burgundy Estate Located in an 80-hectare lifestyle development bordering the De Grendel wine estate, Oasis Life Burgundy Estate will combin...

By oasis-life
02 Nov 2021
Ripple Magazine

Community Spirit at Oasis Life Retirement Resorts

We also spoke with Annemarie Le Roux to learn about her Oasis Life retirement at Burgundy Estate. Here’s what Annemarie had to say: “Since joining ...

By oasis-life
02 Nov 2021
Ripple Magazine

Living at Oasis Life Burgundy Estate

Ripple spoke to Oasis Life resident, Jane Schwerin, to get the scoop on retirement life at Burgundy Estate. Here’s what Jane had to say: “What init...

By oasis-life
02 Nov 2021