South Africa's retirement fund industry increasingly operates through interconnected service ecosystems. Boards of trustees rely on administrators, insurers, asset managers, technology platforms and consulting functions, whether delivered within the same...
The Conduct of Financial Institutions Bill (CoFI) has been quite the enigma. It first surfaced in draft form over seven years ago. It's been widely reported that CoFI is going to be enacted this year, but there has not been much public disclosure of the...
The retirement fund industry in South Africa is standing on the edge of a meaningful shift - one that will change not just the rules, but how trustees think about their role. The Conduct of Financial Institutions (COFI) Bill is expected to be tabled in...
South Africa's financial regulatory landscape is on the cusp of a significant transformation with the introduction of the Conduct of Financial Institutions Bill (COFI), expected to be promulgated in 2026. While early industry debate has largely centred on...
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...
