Cybersecurity has become a critical concern for financial institutions, particularly pension funds, which manage vast amounts of sensitive personal and financial data. Recognising the growing risks, South Africa's Financial Sector Conduct Authority (FSCA)...
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...
The status of integrated reporting in retirement funds Integrated reporting is not a new concept. It was introduced by the King Report on Corporate Governance for South Africa (King IV)™ in 2016 and King IV even has a specific supplement for retirement funds...
For many South Africans, saving for retirement is a lifelong journey, one that involves steadily converting human capital (their ability to earn a salary) into financial capital (their pension savings). This delicate process, often unfolding over decades,...
Pressure is mounting on investors to find smarter ways to grow capital without exposing their clients to unnecessary risk. While asset managers and pension funds are well versed in traditional approaches to portfolio management, many still overlook the...
The South African Reserve Bank (SARB) has, under the leadership of Governor Kganyago, significantly enhanced its inflation-targeting credibility over the past decade. With the adoption of an implicit point target of 4.5% in 2017, inflation moderated from...
Artificial Intelligence (AI) is no longer a futuristic concept - it's already reshaping how we live, work, and invest. So, it's fitting that this year's IRFA Conference places AI at the heart of the conversation around retirement, savings, and investment....