Replacement ratio
The net replacement ratio gives you a practical way to calculate how much income you will need in retirement to maintain your lifestyle. In this series, Kimesh Komal explains what the ratio means, why the commonly used 75% guideline works for most people but not everyone, and how to calculate a realistic target based on your own expected retirement expenses.
Explained by our expert
About me
Kimesh has over a decade of experience in employee benefits, retirement fund consulting and financial planning, with a career that includes senior consulting roles at Alexander Forbes and within the Sygnia Group. He holds a BCom in Finance, Economics and Accounting, a Certificate in Pension Funds Law from UNISA, and is a registered FAIS financial services provider. As Head of Consulting for SURF in the Western Cape, Kimesh helps employers and fund members simplify retirement planning and support informed, long-term financial decision-making.
