Can I transfer my retirement lump sum to a living annuity without incurring tax?
Sars will deduct tax before you receive the lump sum — but there are a few options open to you.
3 min read Financial planning is not about products.
It's about making better financial decisions over time.
I work with individuals and families to bring clarity to complex financial decisions, particularly around investments, retirement, and long-term financial security.
Watch my 6-Part Series on Tax-Saving Strategies at Retirement
A Brief Intro...
Watch my introductory video to learn about my approach to financial planning, investments, and retirement strategy.
ABOUT ME
Welcome, and thank you for visiting my website. My name is Munaf Mukadam, and I am a Certified Financial Planner® professional at Gradidge-Mahura Investments (GMI) and a member of the Financial Planning Institute of Southern Africa. I have been practicing as a Financial Planner since 2013, with a strong focus on investment and retirement planning. My approach is grounded in professionalism, ethical responsibility, and a commitment to long-term client outcomes.
Over the years, I have come to believe that the value of financial advice does not lie in product selection alone, but in the quality of decisions made over time. This requires not only technical expertise, but also judgement, objectivity, and an understanding of how people think and behave with money. Together with the team at GMI, I bring a disciplined investment philosophy, an analytical approach to financial planning, and tailored, tax-efficient strategies – including Shari’ah compliant solutions where appropriate – to help simplify complexity, provide clarity, and support sustainable financial outcomes.
Munaf Mukadam, CFP® - Wealth Manager
VIEW ARTICLES
Sars will deduct tax before you receive the lump sum — but there are a few options open to you.
3 min read
Understand the key steps involved when retiring from the GEPF in South Africa. This guide explains how your lump sum is taxed, how to choose between a life or living annuity, and how to structure your retirement income efficiently.
8 min read
Gold prices have soared nearly 40% in the past year, smashing records and sparking talk of shortages. From inflation fears to record central bank buying and a squeeze in gold liquidity, powerful forces are driving this rally. But is it sustainable, or are we headed for a correction? We break down th
6 min readTel: 021 204 2920
Cell: 074 589 6489
munaf@gminvestments.co.za