Inheritance After Retirement

M01

Inheritance timing map

GSX:POP-008:M01 · Model specification · Version 1.0

Connected conditional claims

C01GSX:POP-008:C01If 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.high sensitivity

C02GSX:POP-008:C02Under 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.moderate sensitivity