South Africa’s retirement fund system is often described in the language of actuarial precision, fiduciary duty and regulatory compliance. But pension law has never been purely technical. It governs people at some of life’s most vulnerable moments:...
The recent Financial Planning Standards Board (FPSB) Chief Executives Committee (CEC) meeting in Cape Town brought together global leaders in financial planning to share affiliate updates across territories. While each market has its own nuances, a...
The governance of retirement funds in South Africa is undergoing a significant shift, driven in part by the anticipated enactment of the Conduct of Financial Institutions (COFI) Bill. COFI seeks to introduce a consolidated, principles based regulatory...
Africa’s retirement funds stand at an important point in their evolution. The primary question before trustees remains whether an investment strategy can deliver appropriate financial returns for members. That responsibility is non-negotiable. Yet in a world...
Only 8% of female retirement fund members feel confident they can retire comfortably. Ninety-two percent face their financial future with uncertainty, anxiety, or fear. The assumption is that women do not save enough. Boardrooms repeat it. Policy discussions...
The new era of governance The Institute of Directors in South Africa (IoDSA) published the King V Code on Corporate Governance on 31 October 2025. King V replaces King IV and introduces a refreshed, outcomes‑based approach to governance across all sectors –...
Employers and retirement fund trustees are rethinking how they structure employee benefits. Instead of viewing retirement savings, healthcare and group risk cover as separate components, organisations are beginning to recognise the advantages of integrating...
The long held assumption that loyalty is measured in years of service is quietly breaking down. For trustees of South African retirement funds, this is not a cultural observation or an HR concern. It is a governance signal. The October 2025 Remchannel Salary...
2026 certainly started with a bang, due to international developments. Venezuela, Greenland and Iran have been dominating headlines. In between all of that we had the richest man in the world, Elon Musk, sharing his view that saving for retirement will be...
Default portfolios are a cornerstone of retirement fund design in South Africa. For most members, the default option is applied automatically, and few actively consider or opt for the alternatives. As a result, these portfolios carry significant...