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This study summarises the development of a model to determine an individual's adjusted life expectancy based on his Real Age. The model incorporates aspects such as gender, residing province, income, HIV status, ethnic background, weight, exercise, family illness history, stress, substance abuse and diet. Predicting life expectancy is vital in retirement planning for two reasons: 1) given the diverse nature of South Africa, the national average life expectancy cannot be applied to everyone; anddoi:10.4102/jef.v6i1.281 fatcat:74uqu4xg75dlteyd4chj6aayk4