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Your Nett Replacement Ratio, or NRR, is the percentage of your salary you will probably receive as a pension. It is indicated on your benefit statement as a future value. For example, if you are earning R20 000 a month when you retire, and your NRR is 50%, your projected pension will be R10 000. Your NRR should be at least 75%. 


 For example




What if your savings aren’t keeping up?





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