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The Council for Medical Schemes (CMS) issued Circular 9 of 2015 on 13 February. The document invites comments on the proposed introduction of a Low Cost benefit Option (LCBO) Framework. The purpose of the framework is to provide schemes with the requirements which could lead to the establishment of low cost benefits for approximately…
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Please note that no examinations will be scheduled for the period 16-03-2015 to 10-04-2015 at Pretoria Brooklyn Bank Forum Examination Centre. We are upgrading the facilities to provide a wider range of services to the industry. Kindly take this into account when scheduling your exam dates. You can also write your regulatory examination at our…
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Amidst a brooding political environment ahead of the presidential elections on March 28, Nigerians received some good news this past week. After some notable military victories, President Goodluck Jonathan told Nigerians that the “tide has turned” against Boko Haram. His office issued a statement in response to terror attacks on Tuesday,…
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The Registrar released a draft circular titled, The Commencement of Participation, Termination and Re-Commencement of Participation of Participating Employers in Umbrella Funds, on 27 February 2015. The introduction states that the Registrar wishes to provide guidance to the boards of umbrella funds on the commencement, termination,…
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Last week, the Regulator sent a reminder to all registered FSPs regarding the above. In terms of the provisions of Section 19 of the FAIS Act, all authorised Financial Services providers (“FSPs”) are required to submit their financial statements to the FSB on an annual basis. These annual financial statements are required to be submitted to…
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Die onvoorspelbaarheid van die uitslae in die eerste twee rondtes sal waarskynlik voortduur in week 3. Die Crusaders het byvoorbeeld hul eerste wedstryd verloor, wat nie snaaks is nie, behalwe dat dit op hul tuisveld teen die onbesonge Rebels was, en boonop met 10 punte. Toe gaan staan hulle, heeltemaal teen hul normale patroon in, en wen ‘n wegwedstryd…
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Results and Certificates

We receive numerous requests on a daily basis for copies of results, or RE 1 and RE 5 certificates from candidates who mislaid theirs. You can download this from our website in your own time, at your own convenience, provided, of course, that you wrote with Moonstone. Here is what you do: Click on the Moonstone FAIS Exam webpage Click on the second…
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Tax Free Savings Schemes on Investment Indicators

The Moonstone Investment Indicators has, for many years now, been the only really independent source of comparison used by intermediaries when advising clients on annuity and guaranteed rates, as well as Money Market funds. The introduction of a new investment vehicle, in the form of Tax Free Savings schemes, adds another important arrow to the…
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Is Conflict of Interest a Double-edged Sword?

Conflict of Interest (COI) was addressed in detail in Board Notice 58 of 2010. Broadly speaking, it aimed to address the provision of incentives like overseas trips and other “extras” with the potential to affect the objectivity of an advisor when recommending products to a client. COI also features quite prominently in the Retail Distribution…
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