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...
When a retirement fund member passes away, dependants are entitled to a death benefit of at least the late member's fund credit. Section 37C of the Pension Funds Act grants trustees discretion over both the allocation and mode of payment. In Mbatha v...
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...