Planning for your retirement is just that: creating the plan By Leslie Greyling* These scenarios below are likely familiar to many. It is too late to start saving for retirement, so there is no point in starting to save at all. You changed jobs and cashed in your retirement investment. The array of investment vehicles is too overwhelming, and you do not know where to start. Leslie Greyling For many South Africans, the information overload around retirement is overwhelming. In reality, it is a simple equation: what you will be spending in your retirement dictates what the total amount is that you will need to save towards.