#gepf

You’ve dedicated your career to public service. The last thing you need is for your GEPF pension payout to be stuck in an administrative loop.

The system is complex, and delays happen. But knowledge is power. Understanding the common pitfalls—from incorrect forms to unverified details—is the first step to ensuring you get your GEPF lump sum and annuity on time.

This isn't just about avoiding problems; it's about stepping confidently into the next chapter of your life.

Dive into our blog post to get the full checklist and secure your peace of mind. Your future self will thank you for reading this.

Whether you’re planning to retire soon or thinking about resigning, the first decisions you make will shape your future. It’s not just about leaving a job—it’s about building clarity, stability, and peace of mind for what comes next.

From setting your financial goals to understanding your GEPF benefits, guidance from a trusted financial advisor like Dhevan Naicker can make all the difference. At RetireSA, we believe retirement should be about wellness, not worry.

Read the full roadmap here: Retiring or Resigning Soon? Here’s What To Do First

Why do some government employees succeed in retirement while others struggle? The answer lies in preparation and choices.

Those who succeed usually plan early, understand how to manage their GEPF benefits, and avoid risky schemes. Those who fail often resign without thinking through the consequences or fall victim to scams promising quick returns.

At Retiresa, we guide civil servants to make smarter decisions, protect their pensions, and avoid common traps. Retirement doesn’t have to be uncertain — with the right support, it can be secure.

👉 Full blog: https://www.retiresa.co.za/why-some-government-employees-succeed-and-others-fall-for-scams/ 🌐 More at: www.retiresa.org

#Retiresa #RetirementPlanning #GEPF #CivilServants #RetirementWellness #AvoidScams

Unlock a 5-Star Retirement as a South African Government Employee with Retirement Wellness SA!

We believe retirement should be more than just the end of a career—it should be the beginning of your best chapter. At Retirement Wellness SA, our 5-Star Retirement Experience supports you every step of the way: from completing your pension paperwork and understanding tax, right through to ongoing financial wellness and personal guidance.

Why trust us?

Personal Support: A dedicated manager helps you with forms, withdrawals, and the entire transition.

Proactive Communication: You’re never left out of the loop.

Long-term Care: We offer guidance and check-ins for your peace of mind.

Learn what makes our approach unique and why so many public sector workers have chosen us for their financial wellness journey. Experience retirement with clarity—no more delays, no hassle, just personalised care.

🌐 Dive deeper: How SA Government Employees Can Get a 5-Star Retirement Experience

#RetirementWellness #5StarRetirement #SAFinance #GEPF #RetirementPlanning #Wellbeing #GovEmployee #FinancialWellness #SecureFuture

As a GEPF member and long-time government employee, I believed investing in a luxury apartment in Umhlanga would be the perfect source of passive income for my retirement planning. I imagined rental returns, capital growth, and financial peace.

What I didn’t anticipate were the hidden realities of property investing in South Africa—rising sectional title levies, unforeseen maintenance fees, long periods of vacancy, and a flat resale market.

Within just two years, I was down more than R338,000 on an R1 million investment. It wasn’t just a financial loss; it was a wake-up call.

💡 If you’re a public servant, GEPF pension holder, or anyone approaching retirement, here are 3 big takeaways:

Not all passive income is truly passive.

High-end properties often come with high, unpredictable costs.

Just because an investment works for others doesn’t mean it suits your goals.

🔗 Read the full blog and learn from my experience: 👉 My R1 Million Property Mistake – A Cautionary Tale for Government Employees

If you’re a South African government employee considering resignation or retirement in the next two years, you need to be aware of potential changes to the pension formula that could significantly impact your payout. The most recent actuarial review was completed in March 2024, and while a report was published in May 2025, it does not confirm or deny whether a formula change is imminent. However, based on past trends, any change—often implemented with little notice—could result in a substantial reduction to your resignation benefit, potentially costing you thousands of rand

Key Points:

The pension fund reviews its actuarial formula every three years to ensure sustainability, often resulting in downward adjustments to benefits.

After the last major change in November 2022, many members lost significant value in their resignation benefits, with recovery taking up to two years.

If a new formula is introduced between August and November 2025, as has happened previously, those resigning shortly after could be adversely affected.

Your official exit date determines which formula applies, not the date you submit your resignation.

What Should You Do?

Request your latest pension statement.

Compare your resignation value before and after previous formula changes to assess potential losses.

Consider consulting a retirement specialist to evaluate whether an early exit could protect your benefits.

Don’t leave your financial future to chance—stay informed and plan ahead.