What will the world look like when today’s 30-year-old retires?
The energy transition, AI, and longevity are reshaping the economic landscape that young retirement savers will inherit, says Prescient Investment Management’s Bastian Teichgreeber.
#retirementplanning
Retirement is no longer a hard stop
PSG’s Mariska Redelinghuys says retirement planning needs to reflect people who continue earning, support family and face rising healthcare costs.
Two-pot: Will the money stay put?
The Marsh Index recognises two-pot as progress, but Alexforbes says its preservation benefits will take time to show as legacy savings are depleted.
Life annuities: the restriction advisers cannot afford to leave unexplained
Two complaints heard by the FAIS Ombud highlight the consequences when advisers fail to properly assess clients’ circumstances or explain the restrictions of a life annuity.
South Africa’s retirement system has assets, but not enough reach
According to the 2026 Marsh CFA Institute Global Pension Index, South Africa ranks 51st out of 55 retirement systems.
Financial security on paper means little when benefits fail
The Deputy Pension Funds Adjudicator and the FAIS Ombud warn that financial protection depends on more than products and paperwork.
Fewer workers, longer retirements: the demographic squeeze on pension systems
The number of potential workers for every older person in more developed regions is projected to fall from 4.3 to 2.7 over the next 30 years.
Ukuzalisekisa izibophelelo, ukuqinisekisa ikamva: isikhokelo sokulawula inkxaso yosapho
Ukulungelelanisa uxanduva lokuxhasa ngemali usapho (i-Black Tax) nokukhusela ikamva lakho lezemali kuyenzeka ngokubeka imida ecacileyo, ngokucwangcisa ngobuchule nangokufumana iingcebiso kwiingcali zemali.
Two-pot system ‘softens the damage’ of annual withdrawals
Even after fully depleting the savings component each year, a hypothetical member fares better in Alexforbes’ model than under its previous-system scenario.
Regulation 28: What the fact sheet tells you and what it leaves unanswered
Asset-allocation percentages provide a starting point, but assessing issuer concentrations and overlapping holdings requires more detailed evidence than a fund fact sheet can provide.
What happens to your debt when you die
Debt does not die with you – it becomes part of your estate, potentially affecting what your family inherits and how quickly they can access it.
‘The future of financial planning is AI plus trust’
Kirsty Scully says five global trends and four possible AI scenarios show why advisers must adapt without sacrificing the human guidance clients value.
Your future self is counting on you
World Financial Planning Day is a timely reminder to reflect on your retirement plan, with MBSE’s Julette Wentzel asking whether your future self will thank you for today’s decisions.
Before you judge someone else’s will, check your own
As World Financial Planning Day highlights the value of turning financial goals into action, MBSE’s Tyrone Ford asks whether your own estate plan would leave your family knowing what you wanted – and what to do next.
Retirement fund fees: Is cheaper really better?
The developing FSCA value-for-money approach puts costs alongside investment performance, service quality, governance, and member outcomes.
Are trustees looking at the real cost of retirement-fund fees?
Initial cost comparisons can obscure how fees linked to assets, salaries, or membership grow over time, potentially producing sharply different outcomes.
Mental well-being linked to two-pot withdrawals
Discovery’s research points to a complex relationship between mental well-being, financial behaviour, and retirement savings withdrawals.
