When it’s your money, who should decide?
As employers hand more responsibility for retirement and healthcare benefits to staff, the industry is rethinking how to balance freedom with better financial decisions.
#retirementplanning
Why retirement advice isn’t changing behaviour
Access to education and information has expanded, but the challenge is turning member engagement into better financial decisions and outcomes.
Preserved, but scattered: the new retirement savings challenge
As members leave compulsory preserved savings behind when changing jobs, fragmentation across funds may make it harder to manage fees, investments, and progress towards retirement.
Planning for retirement is improving, but reality is proving costlier
FNB’s survey shows more South Africans are preparing for retirement, while retirees’ experiences disclose the financial pressures that many did not anticipate.
What makes a great financial planner? MBSE’s top achievers have one answer
The MBSE graduates say the Advanced Certificate in Financial Planning reshaped how they approach clients, proving that great advice begins with understanding people.
What happens when clients stop behaving their age?
Sanlam’s latest Benchmark suggests economic shocks, disrupted careers, and health risks are reshaping how clients across age groups make financial decisions.
Small bets, big consequences: How gambling quietly erodes financial resilience
The latest Benchmark research argues that small, recurring gambling losses can compound over time just as powerfully as disciplined investing can build wealth.
The next frontier for employee benefits is integration
Sanlam’s Benchmark report argues that improving member outcomes increasingly depends on linking financial advice, healthcare, and risk benefits.
The quiet revolution in retirement fund costs
Despite two decades of growing regulation, administration costs have fallen sharply, leaving more retirement contributions invested for members.
Two-pot’s hidden effect: members are staying in retirement funds
While billions have been withdrawn through the two-pot system, Alexforbes says more members are remaining connected to retirement funds long after leaving their employers.
Why uncertainty may be today’s biggest investment opportunity
From AI and gold to the future of the US dollar, Allan Gray and Orbis argue that investors don’t need to predict the future to build resilient portfolios.
Discovery updates RA range with new products and revised structures
The products feature tiered fees, contribution boosts, and integration benefits, subject to defined terms and conditions.
Life insurers top R5 trillion as growth masks rising risk pressures
Strong market performance lifts assets to record highs, but lapses and protection gaps persist beneath the surface.
Two-pot withdrawals surge as repeat claims reshape savings behaviour
Withdrawal activity has spiked again at the start of the new tax year, with data showing repeat claims are becoming entrenched and raising concerns about long-term retirement outcomes.
Applying excess retirement contributions: implications for lump sums, annuities, and estates
Allan Gray’s Carla Rossouw clarifies excess contributions in relation to deduction limits, annuity income taxation, and the treatment of benefits at death.
Excess retirement contributions: when they help – and when they hurt
Converting discretionary savings into retirement vehicles can cut tax on living annuity drawdowns – but may reduce long-term value.
Budget 2026: why advisers should revisit every client plan
From CGT thresholds to small business tax and foreign allowances, Ronald King identifies the changes that could materially reshape financial plans.
