Unclaimed benefits | Support for central tracing, not central control
Retirement funds back efforts to make unclaimed benefits easier to find but say transferring billions in retirement assets into a central fund goes too far.
#retirementsavings
What a weekly workout can teach us about retirement
Exercising regularly is only the starting point for Discovery’s argument that everyday behaviours can have a lasting effect on earnings, debt, and retirement security.
Adviser usage falls, according to latest Old Mutual Monitor
Fewer respondents are using advisers as AI tools gain traction, and many remain unsure where to turn for financial guidance.
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.
What the two-pot system reveals about financial resilience
Former FSCA Deputy Commissioner Astrid Ludin argues that the reform has become an unexpected indicator of South Africans’ vulnerability to financial shocks.
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While billions have been withdrawn through the two-pot system, Alexforbes says more members are remaining connected to retirement funds long after leaving their employers.
More early signs that the two-pot system is working
Data from Alexforbes and Sanlam suggests more members are preserving retirement savings, though it is too soon to know whether the shift will last.
COFI could redraw the lines of accountability in umbrella funds
COFI’s outcomes-based framework may push governance responsibility beyond trustees and require umbrella funds to prove that members are better off.
Old Mutual sees rise in retirement savings preservation under two-pot system
The system appears to be changing member behaviour at exit from employment, even as most eligible members continue to make withdrawals.
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.
Budget strengthens saving for retirement, says Sanlam
The changes include the increase in the annual tax-deduction cap, and new annuitisation and living annuity commutation thresholds.
Changes to CGT, tax-free savings, retirement contributions, and donations
Treasury also proposes new thresholds at which fund members and living annuitants can commute to a cash lump sum.
