{"schema_version":"GreyResearchGraph 1.0","study_id":"GSX:POP-008","node_count":26,"edge_count":40,"nodes":[{"id":"GSX:POP-008:C01","type":"claim","label":"If R1 million remains invested until age 100 at 4 percent above inflation, a living transfer at 35 becomes R12.80 million, an inheritance at 40 becomes R10.52 million, at 55 R5.84 million, at 70 R3.24 million, and at 85 R1.80 million, in constant 2026 rand.","evidence_status":"modelled","href":"https://greyscienx.com/research/population-futures/inheritance-after-retirement/claims/C01"},{"id":"GSX:POP-008:A01","type":"assumption","label":"The model compares one R1 million transfer received at 40, 55, 70, or 85, plus a living transfer at 35. If it stays invested until age 100, only the arrival age and the real return change. The illustrated values exclude tax, fees, and consumption.","evidence_status":"modelled","href":"https://greyscienx.com/api/v1/research/inheritance-after-retirement"},{"id":"GSX:POP-008:A02","type":"assumption","label":"The recipient starts work at 25 on R30,000 a month. Real pay grows by 1.2 percent a year. Capital earns 4 percent above inflation in the average case. Values are constant 2026 rand.","evidence_status":"modelled","href":"https://greyscienx.com/api/v1/research/inheritance-after-retirement"},{"id":"GSX:POP-008:R01","type":"result","label":"At 4 percent real, R1 million kept invested until age 100 becomes R12.80 million if received at 35, R10.52 million at 40, R5.84 million at 55, R3.24 million at 70, and R1.80 million at 85.","evidence_status":"modelled","href":"https://greyscienx.com/api/v1/research/inheritance-after-retirement"},{"id":"GSX:POP-008:R02","type":"result","label":"The same inheritance received at 40 is worth R3.28 million by age 100 at 2 percent real and R32.99 million at 6 percent real. Received at 85, those three returns narrow to R1.35 million, R1.80 million, and R2.40 million.","evidence_status":"modelled","href":"https://greyscienx.com/api/v1/research/inheritance-after-retirement"},{"id":"GSX:POP-008:C02","type":"claim","label":"Under equal returns, no tax, no consumption, and free borrowing, the same family wealth results wherever the capital sits. Timing still changes what a young adult can do, because a transfer at 35 or 40 can meet a deposit, debt, education, or career constraint that a transfer at 70 or 85 arrives too late to change.","evidence_status":"modelled","href":"https://greyscienx.com/research/population-futures/inheritance-after-retirement/claims/C02"},{"id":"GSX:POP-008:A03","type":"assumption","label":"If parents and children earn the same return, pay no tax, never consume the asset, and can borrow freely, family wealth does not depend on which generation legally holds the capital.","evidence_status":"modelled","href":"https://greyscienx.com/api/v1/research/inheritance-after-retirement"},{"id":"GSX:POP-001","type":"study","label":"When Retirement Becomes Impossible","evidence_status":"modelled","href":"https://greyscienx.com/research/population-futures/when-retirement-becomes-impossible"},{"id":"GSX:POP-008","type":"study","label":"Inheritance After 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