Changing Regulation 28: A solution looking for a problem
South Africa’s investment shortfall does not stem from a lack of domestic capital, but from weak public-sector governance, limited competitive advantages and too few viable opportunities. Forcing retirement funds and other institutional investors to allocate more assets locally would constrain diversification, increase risk and ultimately weaken the savings pool on which financial stability depends. According to Sandy McGregor and Matthew Patterson, a better policy response is to strengthen public sector institutions and create conditions that allow private capital to invest where sound opportunities exist.
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How much is enough to contribute to retirement?
Starting early, investing appropriately and remaining invested are key to achieving a comfortable retirement. But contribution levels are also critical. Kyle...
When is it too late to complain to the Pension Funds Adjudicator?
Recent Financial Services Tribunal (FST) decisions have highlighted the importance of beneficiaries acting promptly when concerns arise regarding retirement...
Your retirement, your choices: Making sense of the options
While individual goals differ when it comes to investing for retirement, the core objectives remain the same: to accumulate sufficient assets during one’s...
The in-between years: investing for retirement as careers and lives grow
As careers progress and lives take shape, investing for retirement can feel easy to defer. This in‑between phase – typically your 30s and 40s, when you are n...
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Paying over retirement fund contributions is a core obligation for any employer who offers a retirement fund arrangement. Recent regulatory changes mean that...
Non‑financial actions that materially improve retirement outcomes
Employee benefits consultants play a critical role in shaping outcomes for retirement fund members. Siyasanga Mlozana explores how they influence contributio...
Taxation of retirement lump sums and living annuity income for non-residents
Investors who emigrate are often surprised by the complexity involved in accessing their existing retirement investments after they have ceased to be South...