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.
#twopotretirementsystem
The advice gap may open before anyone calls an adviser
People under financial strain tend to go looking for more credit before they look for advice. Debt-review data, search behaviour, and two-pot withdrawals suggest where that pathway runs, and where the industry could meet people sooner.
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.
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.
Retirement advice: The right help at the wrong time
Many members value retirement guidance, but research suggests it often comes after key savings, preservation, and income decisions have already been made.
Debt and retirement pressures drive new product thinking
With household debt absorbing income and retirement outcomes remaining poor, Discovery has introduced a benefit aimed at addressing both pressures.
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.
Unclaimed retirement benefits – a problem that won’t go away
Better member data, stronger engagement, and AI-assisted tracing may improve future outcomes, but billions of rands in legacy retirement savings are likely to remain unclaimed.
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.
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 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.
What to check when SARS has filled in your return
Two-pot withdrawals, carried-forward retirement contributions, and incomplete third-party data can affect the final tax position.
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.
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.
