South Africa faces an infrastructure challenge of historic proportions. Estimates point to a shortfall of more than R2 trillion over the next two decades, with electricity and water shortages just some of the symptoms of a gap that deeply affects every...
Trustees carry two responsibilities that can often feel at odds. They need to grow members' pensions prudently. And they also need to fund the assets that keep communities working. Power that stays on. Quality schools that teach well, affordable housing and...
South Africa's pension funds collectively manage approximately R5.8 trillion in assets, representing one of the largest domestic pools of long term capital available for infrastructure investment. Trustees carry a dual responsibility: to deliver secure, long...
Let's face it – “asset allocation” sounds like something buried in a spreadsheet. But here's the twist: it's one of the most powerful tools retirement funds have to shape the future. Quietly, steadily, with billions behind it. Every rand invested by a...
In a world where time is often taken for granted and decimals in investment returns dominate the conversation, it's easy to forget that pensions are actually about people's futures. That's why the real story of investing is how capital becomes a bridge...
The business case for sustainability is clear: companies and retirement funds cannot thrive on a planet suffering from cascading crises and unmanageable risks. Yet, despite decades of corporate commitments, businesses continue to damage the planet. The...
Fewer than 6% of South Africans can afford to retire comfortably, according to the National Treasury. At the same time, a 2024 PwC study found that 70% of employees experience financial stress, with nearly half saying it directly affects their productivity....
When it comes to investing, the experience matters just as much as the returns earned. That's why the idea of smoothing investment returns continues to resonate, especially in today's climate of elevated uncertainty and market volatility. While smoothing may...
The South African retirement fund industry is on the edge of a precipice. Crumbling under low savings rates, disengaged members, rising inequality and complex reforms like the two-pot system, the time for gradual change is over. The time for evolutionaries –...
Whether you are a Baby Boomer, belong to Generation Z, or are any age in between, you have become used to the convenience and immediacy that the internet has brought to our lives. From banking apps, to online shopping, to fast food deliveries, we have come...
