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Why these 10 years matter

The Citizen

|

December 15, 2025

Crucial years to increasing long-term investment exposure. The compounding effects during these years are significant. Every rand saved now works harder than ever before

- Hardi Swart

For most South Africans, retirement feels like a distant milestone, something to think about “one day”. But the truth is that retirement success is not determined at 65, it is shaped during the decade before you stop working.

These final 10 years are the most powerful – and the most dangerous – period of your financial life.

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