Only 8% of female retirement fund members feel confident they can retire comfortably. Ninety-two percent face their financial future with uncertainty, anxiety, or fear. The assumption is that women do not save enough. Boardrooms repeat it. Policy discussions...
The new era of governance The Institute of Directors in South Africa (IoDSA) published the King V Code on Corporate Governance on 31 October 2025. King V replaces King IV and introduces a refreshed, outcomes‑based approach to governance across all sectors –...
Employers and retirement fund trustees are rethinking how they structure employee benefits. Instead of viewing retirement savings, healthcare and group risk cover as separate components, organisations are beginning to recognise the advantages of integrating...
The long held assumption that loyalty is measured in years of service is quietly breaking down. For trustees of South African retirement funds, this is not a cultural observation or an HR concern. It is a governance signal. The October 2025 Remchannel Salary...
2026 certainly started with a bang, due to international developments. Venezuela, Greenland and Iran have been dominating headlines. In between all of that we had the richest man in the world, Elon Musk, sharing his view that saving for retirement will be...
Default portfolios are a cornerstone of retirement fund design in South Africa. For most members, the default option is applied automatically, and few actively consider or opt for the alternatives. As a result, these portfolios carry significant...
When a retirement fund member passes away, dependants are entitled to a death benefit of at least the late member's fund credit. Section 37C of the Pension Funds Act grants trustees discretion over both the allocation and mode of payment. In Mbatha v...
Members of retirement funds face a decision every year regarding their savings pots – to use or not to use? The easy answer is: don't use your savings pot as it will diminish your retirement benefits. However, the majority of South Africans face real...
Imagine working for four decades only to discover that your retirement income barely covers the cost of your groceries. This is not a distant fear but the reality for most South Africans. The system must change. Traditionally, discussions about impact have...
1 September 2024 marked a turning point in South Africa's retirement landscape: the official launch of the two-tot retirement system. For those involved in the months of intense preparation leading up to this deadline, the efforts may now seem like a distant...
