<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type="text/xsl" href="https://www.ictsdev.co.za/wp-sitemap.xsl" ?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"><url><loc>https://www.ictsdev.co.za/articles/investments/click-to-travel/</loc><lastmod>2024-02-29T10:00:29+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/beating-inflation-in-retirement/</loc><lastmod>2023-08-25T16:03:17+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/ensuring-success-in-2023-and-beyond-by-partnering-with-the-right-insurance-adviser/</loc><lastmod>2024-02-29T09:52:45+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/taking-a-cue-from-corporates-on-how-to-safeguard-and-future-fit-our-retirement-funds/</loc><lastmod>2024-08-28T06:33:23+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/out-of-the-box-thinking-for-employee-bene%ef%ac%81ts-could-ultimately-improve-retention-and-employee-wellbeing/</loc><lastmod>2024-02-29T09:53:44+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/cyber-security-what-the-board-of-trustees-needs-to-know/</loc><lastmod>2024-02-29T09:51:53+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/beneficiary-funds-supporting-the-guardian-orcaregiver-rather-than-disempowering-them/</loc><lastmod>2023-09-08T09:19:33+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/retirement-funds-must-avoid-these-advice-potholes/</loc><lastmod>2023-09-05T08:46:32+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/are-we-there-yet-2/</loc><lastmod>2023-09-08T09:12:50+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/is-south-africa-investable/</loc><lastmod>2023-09-08T10:30:44+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/investment-conference-clarity-needed-on-direction-of-economic-reforms/</loc><lastmod>2024-02-29T09:55:42+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/south-africas-fiscal-handcuffs/</loc><lastmod>2023-08-24T14:58:01+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/investment-success-in-2023-dont-play-the-guessing-game/</loc><lastmod>2024-02-29T09:58:12+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/investment-risk-from-a-clients-perspective/</loc><lastmod>2024-02-29T09:58:53+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/the-challenge-of-using-pension-funds-to-fuel-green-finance/</loc><lastmod>2024-02-29T09:59:47+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/maximising-retirement-income/</loc><lastmod>2023-09-08T10:59:28+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/5-critical-steps-to-take-now-for-your-dream-retirement-later/</loc><lastmod>2023-09-08T11:05:58+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/trying-to-make-sense-of-uncertain-times/</loc><lastmod>2023-09-08T11:29:22+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/the-basics-of-the-two-pot-system-proposals/</loc><lastmod>2023-09-05T09:02:47+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/boost-your-retirement-fund-website-engagement-with-livechat-benefits-and-stats/</loc><lastmod>2024-02-29T09:54:22+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/protecting-members-interests/</loc><lastmod>2024-08-28T06:31:46+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/a-popia-perspective-on-the-financial-intelligence-centres-directive/</loc><lastmod>2023-09-08T13:11:58+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/an-update-from-the-fpi/</loc><lastmod>2023-09-08T13:26:13+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/retirement-funds-must-improve-their-responsibilities/</loc><lastmod>2023-08-27T14:01:04+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/early-access-to-retirement-funding/</loc><lastmod>2023-11-23T07:21:52+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/a-crucial-era-in-infrastructure-the-case-for-privately-funding-sas-infrastructure-crisis/</loc><lastmod>2024-02-29T09:56:53+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/why-the-capex-recovery-will-prove-resilient/</loc><lastmod>2023-09-08T10:44:09+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/uncategorized/are-we-there-yet/</loc><lastmod>2024-02-29T09:50:01+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/alexander-forbes/duane-naicker/</loc><lastmod>2024-08-28T06:31:05+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/taking-a-cue-from-corporates-on-how-to-safeguard-and-future-fit-our-retirement-funds-trustee-remuneration-practices/</loc><lastmod>2024-08-28T06:33:59+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/impact-of-the-two-pot-system-on-retirement-benefits/</loc><lastmod>2023-11-06T07:29:42+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/a-mortality-analysis-of-retirement-funds-an-exploration-of-various-causes-of-death-of-a-terminating-retirement-fund/</loc><lastmod>2023-09-08T07:01:29+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/retirement-funds-and-cyber-security-compromises/</loc><lastmod>2023-09-05T08:58:30+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/why-pricing-shouldnt-be-the-primary-consideration-when-assessing-group-risk-benefits-insurance/</loc><lastmod>2023-11-06T06:38:38+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/prevention-is-better-than-cure-best-insure/</loc><lastmod>2023-11-06T06:39:45+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/suggestions-to-be-wary-of-in-south-africas-retirement-industry/</loc><lastmod>2023-09-07T09:04:30+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/effortless-meeting-minutes-using-ai/</loc><lastmod>2023-11-06T06:40:52+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/considerations-when-allocating-offshore/</loc><lastmod>2023-11-06T06:42:59+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/chinas-recovery-may-be-bumpy-but-the-focus-should-be-on-long-term-growth-drivers/</loc><lastmod>2023-11-06T06:44:12+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/driving-investment-strategies-to-achieve-net-zero/</loc><lastmod>2023-11-06T06:45:17+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/inflation-reverberations/</loc><lastmod>2023-11-06T06:46:12+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/providing-fund-solutions-that-are-future-fit-through-esg/</loc><lastmod>2023-11-06T06:47:07+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/understanding-gips-enhancing-transparency-and-trust-in-the-retirement-fund-industry/</loc><lastmod>2023-09-05T09:28:36+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/are-your-retirement-funds-esg-strategies-sustainable/</loc><lastmod>2023-09-08T07:06:08+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/why-theres-no-future-in-cryptocurrencies/</loc><lastmod>2023-11-06T06:49:14+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/the-local-construction-sector-can-ignite-the-fuse-on-sas-infrastructure-renewal/</loc><lastmod>2023-09-05T09:31:58+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/is-el-ninos-economic-impact-being-underestimated/</loc><lastmod>2023-11-06T06:51:48+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/why-sa-listed-gold-has-lost-its-sheen/</loc><lastmod>2023-11-06T06:52:32+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/how-investors-can-maximise-their-retirement-savings/</loc><lastmod>2023-11-06T06:54:12+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/dont-bank-on-wishful-thinking-practical-solutions-for-a-secure-retirement/</loc><lastmod>2023-09-05T09:40:27+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/financial-advisers-exclusive-focus-on-the-quantitative-value-of-retirees-capital-neglect-the-consideration-of-socioeconomic-factors-in-the-retirement-planning-process/</loc><lastmod>2023-09-05T09:41:49+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/changing-jobs-dont-cash-in-your-pension-funds/</loc><lastmod>2023-11-06T06:55:34+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/5-signs-youre-living-beyond-your-means-and-what-to-do-about-it/</loc><lastmod>2023-09-05T09:44:14+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/what-if-any-are-the-operational-challenges-to-retirement-reform/</loc><lastmod>2023-09-07T09:36:01+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/an-update-from-the-fpi-2/</loc><lastmod>2023-09-05T09:49:10+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/fund-took-the-back-door-rather-than-investigate-properly-says-pfa/</loc><lastmod>2023-09-08T07:11:16+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/blockchain-makes-crypto-asset-transactions-transparent-and-traceable/</loc><lastmod>2023-09-05T09:45:31+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/south-africa-strengthens-financial-crime-prevention/</loc><lastmod>2023-09-05T09:46:35+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/investors-can-find-safety-in-sa-asset-valuations/</loc><lastmod>2024-02-29T10:30:54+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/a-highwire-act-matching-clients-expectations-with-reality/</loc><lastmod>2024-02-29T10:28:49+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/on-matters-of-environmental-social-and-governance-esg-less-exclusionary-approaches-more-coordinated-and-contextualised-approaches/</loc><lastmod>2024-02-29T10:29:58+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/real-and-perceived-obstacles-to-infrastructure-investment-are-falling-away/</loc><lastmod>2024-02-29T10:31:30+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/5-ways-boards-will-leverage-ai-for-next-gen-governance-in-2024-the-future-of-board-portals/</loc><lastmod>2024-02-29T10:32:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/optimising-retirement-outcomes-for-members-a-change-in-mindset/</loc><lastmod>2024-02-29T10:34:53+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/how-health-wellness-and-financial-wellbeing-intersect-in-south-africa/</loc><lastmod>2024-02-29T10:33:09+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/are-insurers-doing-enough-to-educate-members-on-their-insurance-products/</loc><lastmod>2024-02-29T10:33:37+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/hybrid-working-is-this-all-we-need-retain-strong-talent/</loc><lastmod>2024-02-29T10:32:30+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/limiting-medical-aid-increases-isnt-the-answer-to-our-healthcare-woes/</loc><lastmod>2024-02-29T10:34:22+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/regulation-28-and-the-paradox-of-choice-first-pick-the-right-investment-manager/</loc><lastmod>2024-02-29T10:29:31+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/data-information-insight-action/</loc><lastmod>2024-02-29T10:27:03+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/the-increasing-popularity-of-share-buybacks-outside-the-us/</loc><lastmod>2024-02-29T10:27:45+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/the-power-of-gips-a-game-changer-for-south-african-retirement-fund-trustees/</loc><lastmod>2023-11-05T16:58:00+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/exploring-wills-in-south-africa/</loc><lastmod>2023-11-05T16:58:00+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/financial-advisers-are-heroes-waiting-in-the-wings-ready-to-spur-sa-on-its-journey-to-success/</loc><lastmod>2023-11-05T16:58:00+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/the-era-of-electrification/</loc><lastmod>2024-02-29T10:26:25+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/two-pot-retirement-system-a-buffer-for-financial-hardship/</loc><lastmod>2023-12-06T15:22:55+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/momentum/momentum-investments-and-robeco-launch-partnership-in-southern-africa/</loc><lastmod>2023-11-05T16:58:00+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/momentum/momentum-metropolitan-acquires-rmi-investment-managers/</loc><lastmod>2023-11-05T16:58:00+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/an-update-from-the-fpi-3/</loc><lastmod>2023-11-05T16:58:00+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/the-fsca-launches-the-new-trustee-training-toolkit-for-retirement-fund-board-members/</loc><lastmod>2023-11-05T16:58:00+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/making-it-happen-report-back-on-irfa-annual-conference/</loc><lastmod>2023-11-05T16:58:00+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/legal-update-for-retirement-funds/</loc><lastmod>2023-11-06T07:36:46+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/the-impact-of-impaired-decision-making-ability-on-legal-capacity/</loc><lastmod>2024-02-29T10:23:35+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/offshore-investing-your-retirement-savings-portfolio/</loc><lastmod>2024-02-29T10:25:32+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/what-is-happening-with-the-two-pot-system/</loc><lastmod>2023-11-06T07:38:34+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/overhauling-sas-retirement-system-shrewd-or-misguided/</loc><lastmod>2024-05-28T15:13:04+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/the-future-world-of-work-insights-and-trends-to-help-chart-your-course/</loc><lastmod>2024-08-28T07:33:10+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/improving-your-tech-by-eating-your-own-dog-food/</loc><lastmod>2024-08-28T07:36:45+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/stirring-the-pot-local-retirement-funds-need-local-providers-to-implement-new-two-pot-system/</loc><lastmod>2024-08-28T07:34:48+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/the-psychology-of-retirement-savings-and-pensions-part-1/</loc><lastmod>2024-02-29T09:02:51+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/runway-in-view/</loc><lastmod>2024-08-28T07:39:36+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/key-trends-that-will-lead-to-a-mixed-investment-environment-in-2024-and-what-this-means-for-trustees/</loc><lastmod>2024-08-28T07:40:49+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/rising-noise-levels-in-markets-test-investors-in-a-volatile-year-staying-invested-will-matter-as-events-could-turn-quickly/</loc><lastmod>2024-08-28T07:41:56+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/sustainability-of-investments-and-assets-in-the-context-of-retirement-funds/</loc><lastmod>2024-08-28T07:43:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/top-ten-macroeconomic-trends-in-2024/</loc><lastmod>2024-08-28T07:44:17+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/sa-pension-funds-greatest-opportunity-maximising-retirement-wealth-and-leading-the-south-african-economic-landscape-transformation/</loc><lastmod>2024-02-29T08:49:36+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/2024-a-year-for-stock-picking/</loc><lastmod>2024-08-28T07:45:43+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/fire-or-water-opportunities-in-chinas-structural-challenges/</loc><lastmod>2024-02-29T08:52:15+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/artificial-intelligence-fad-or-future-and-how-best-to-invest/</loc><lastmod>2024-08-28T07:47:46+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/recognising-the-overlooked-potential-in-female-led-and-gender-balanced-businesses/</loc><lastmod>2024-02-29T08:49:57+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/unlocking-your-retirement-funds-potential-post-regulation-28/</loc><lastmod>2024-02-29T08:48:43+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/even-in-a-weak-economy-private-education-can-thrive/</loc><lastmod>2024-08-28T07:50:10+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/alexander-forbes/alexforbes-acquires-digital-investments-platform-from-outsurance/</loc><lastmod>2024-02-29T08:42:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/understanding-estate-duty/</loc><lastmod>2024-02-29T08:47:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/rethinking-and-transforming-your-money-and-emotions/</loc><lastmod>2024-02-29T08:46:23+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/regulatory-and-legal-update/</loc><lastmod>2024-02-29T09:09:52+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/northstar-and-first-avenue-collaboration/</loc><lastmod>2024-02-29T08:26:32+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/popia-in-the-context-of-retirement-funds/</loc><lastmod>2024-02-29T09:11:36+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/sanlam-companies/sanlam-announces-its-intention-to-acquire-assupol-holdings-ltd/</loc><lastmod>2024-02-29T08:24:49+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/does-concealing-potential-damage-caused-to-an-employerconstitute-dishonest-misconduct-in-terms-of-section37d-of-the-pension-funds-act/</loc><lastmod>2024-02-29T09:11:04+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/an-update-from-the-financial-planning-institute/</loc><lastmod>2024-02-29T08:43:51+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/looking-out-for-vulnerable-consumers-in-retirement-funds/</loc><lastmod>2024-02-29T08:36:53+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/institute-of-retirement-funds-africa-uniting-for-a-secure-future/</loc><lastmod>2024-02-29T08:42:32+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/q1-2025/regulation-28-reimagined-maximising-returns-and-creating-stability-with-alternative-assets/</loc><lastmod>2024-03-05T06:41:32+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/listed-infrastructure-a-solid-building-block/</loc><lastmod>2024-08-28T06:56:34+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/global-tech-and-healthcare-stocks-to-buoy-equity-returns-in-2024-consider-shariah-portfolios/</loc><lastmod>2024-08-28T07:11:52+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/sticky-inflation-brings-fed-rate-cuts-into-question/</loc><lastmod>2024-05-29T13:47:38+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/what-is-the-outlook-for-global-and-local-asset-classes/</loc><lastmod>2024-08-28T07:10:56+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/navigating-the-perceived-risks-of-emerging-market-infrastructure/</loc><lastmod>2024-08-28T07:09:51+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/harmonising-family-offices-with-private-equity-for-mutual-growth/</loc><lastmod>2024-05-29T13:47:38+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/secure-your-future-direct-your-tax-rebate-into-a-retirement-annuity/</loc><lastmod>2024-05-29T13:47:38+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/now-is-not-the-time-to-turn-your-back-on-emerging-market-equities/</loc><lastmod>2024-08-28T07:13:16+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/outperform-99-of-your-neighbours/</loc><lastmod>2024-05-29T13:47:38+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/enhancing-retirement-fund-governance-the-case-for-certified-retirement-fund-trustees/</loc><lastmod>2024-08-28T06:40:10+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/the-psychology-of-retirement-savings-and-pensions-part-2/</loc><lastmod>2024-05-29T13:47:37+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/what-do-members-really-want-from-an-investment-strategy-and-what-makes-for-a-good-strategy/</loc><lastmod>2024-05-29T13:47:37+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/servicing-clients-10-times-faster-with-ai-how-secure-is-it/</loc><lastmod>2024-08-28T06:43:29+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/beneficiary-funds-helping-the-elderly/</loc><lastmod>2024-08-28T06:44:27+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/how-to-turbo-boost-your-retirement-savings-in-a-depressed-market/</loc><lastmod>2024-08-28T06:54:12+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/fsca-publishes-updated-requirements-for-rule-amendments-to-give-effect-to-the-two-pot-system/</loc><lastmod>2024-05-29T13:47:38+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/the-institute-of-retirement-funds-africas-bold-new-identity-signals-a-future-of-growth-inclusion-and-giving-irfa-embarks-on-a-new-journey-with-its-better-together-branding-initiative/</loc><lastmod>2024-05-29T14:24:53+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/stumbling-blocks-turned-into-stepping-stones/</loc><lastmod>2024-05-29T17:53:16+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/sasfin/two-component-checklist-for-retirement-funds/</loc><lastmod>2024-08-28T06:50:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/old-mutual/financial-advisers-face-information-gap-as-two-pot-system-nears/</loc><lastmod>2024-05-29T13:47:38+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/are-sas-pension-funds-secure-enough-for-the-two-pot-pension-system/</loc><lastmod>2024-05-29T13:47:38+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/discovery/the-two-pot-retirement-system-comes-into-effect-on-1-september-2024-so-what-now/</loc><lastmod>2024-08-28T06:41:13+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/nbc-holdings/the-two-pot-system-long-term-tax-implications-for-members/</loc><lastmod>2024-08-28T06:52:18+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/alexander-forbes/investment-solutions-by-alexforbes-enters-the-r500-billion-discretionary-fund-management-market/</loc><lastmod>2024-05-29T13:47:39+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/the-financial-services-tribunal-the-ombud-council-and-pension-funds-adjudicator-who-does-what/</loc><lastmod>2024-05-29T13:47:38+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/navigating-the-defined-benefit-landscape-from-1-september-2024/</loc><lastmod>2024-10-30T09:18:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/two-pot-retirement-system-tax-implications-when-making-a-withdrawal-from-the-savings-pot/</loc><lastmod>2024-10-30T09:19:32+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/what-should-trustees-be-looking-for-from-their-service-providers-in-a-two-pot-world/</loc><lastmod>2024-10-30T09:21:04+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/it-is-time-to-talk-about-mental-health/</loc><lastmod>2024-10-30T09:22:16+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/fund-death-benefits-does-section-37c-leave-room-for-settlement-agreements/</loc><lastmod>2024-10-30T09:23:53+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/two-pot-arrangement-the-paradox-of-wealth-and-poverty/</loc><lastmod>2024-10-30T09:25:22+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/worried-about-the-tsunami-of-member-queries-from-1-september/</loc><lastmod>2024-10-30T09:26:22+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/beneficiary-funds-you-cant-educate-a-hungry-child/</loc><lastmod>2024-10-30T09:27:30+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/tracing-of-unclaimed-benefits-a-comprehensive-overview/</loc><lastmod>2024-10-30T09:28:48+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/the-road-from-polokwane/</loc><lastmod>2024-10-30T09:29:45+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/momentum/unraveling-the-mystery-behind-the-anaemic-expansion-of-passive-investments-in-south-africa/</loc><lastmod>2024-10-30T09:31:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/index-investing-a-global-investing-revolution-growing-in-sa/</loc><lastmod>2024-10-30T09:31:45+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/structural-shifts-supporting-index-or-passive-allocations-within-pension-funds-and-what-still-needs-to-happen/</loc><lastmod>2024-10-30T09:33:27+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/is-passive-and-active-like-oil-and-water/</loc><lastmod>2024-10-30T09:34:57+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/are-compounding-fees-jeopardising-south-africans-financial-freedom-at-retirement/</loc><lastmod>2024-10-30T09:36:07+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/through-the-looking-glass-capturing-structural-change/</loc><lastmod>2024-10-30T09:37:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/navigating-high-yield-hard-currency-sovereign-debt-with-an-african-edge/</loc><lastmod>2024-10-30T09:38:26+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/legislative-and-regulatory-update/</loc><lastmod>2024-10-30T09:41:05+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/financial-advice-and-the-new-dawn-of-the-retirement-matrix-in-sa-a-new-chapter-in-south-african-retirement-reform/</loc><lastmod>2024-10-30T09:42:18+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/why-you-should-consider-attending-industry-conferences/</loc><lastmod>2024-10-30T09:43:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/two-pots-food-for-thought/</loc><lastmod>2024-10-30T09:44:57+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/tackling-water-security/</loc><lastmod>2024-10-30T09:39:50+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/merger-of-icts-legal-services-and-legaltech/</loc><lastmod>2024-08-26T12:58:27+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/braintree-partners-with-old-mutual-africa-towards-a-new-era-of-financial-management-and-operational-efficiency/</loc><lastmod>2024-08-26T12:58:27+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/lets-talk-about-annuitisation-part-i/</loc><lastmod>2024-10-30T12:06:25+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/the-astonishing-ai-revolution-you-didnt-see-coming/</loc><lastmod>2025-02-28T06:06:37+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/designing-funds-for-better-outcomes/</loc><lastmod>2024-10-30T12:05:55+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/are-all-umbrella-funds-equal/</loc><lastmod>2024-10-30T12:05:45+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/nbc-holdings/the-umbrella-fund-decision-more-complicated-than-just-cost-savings/</loc><lastmod>2025-02-28T06:13:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/another-look-at-umbrella-funds/</loc><lastmod>2024-10-30T12:04:49+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/alexander-forbes/navigating-umbrella-funds/</loc><lastmod>2025-02-28T06:14:47+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/impact-investing-an-opportunity-to-make-a-significant-contribution-to-economic-growth-and-development-in-south-africa/</loc><lastmod>2025-02-28T06:19:49+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/flexible-investment-solutions-for-new-age-investors/</loc><lastmod>2025-02-28T06:17:06+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/navigating-global-waters-unlocking-offshore-diversification/</loc><lastmod>2025-02-28T06:20:54+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/unlocking-value-the-role-of-private-markets-in-pension-fund-investment-strategies/</loc><lastmod>2025-02-28T06:21:56+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/where-to-hide-from-the-us-and-chinas-growing-debt-crisis/</loc><lastmod>2025-02-28T06:22:54+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/opportunities-in-global-fixed-income/</loc><lastmod>2025-02-28T06:23:47+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/what-gets-measured-gets-managed/</loc><lastmod>2024-10-30T12:03:05+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/the-expanded-role-of-the-south-african-custodian/</loc><lastmod>2025-02-28T06:18:26+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/seeking-a-bridge-for-south-africas-troubled-waters/</loc><lastmod>2025-02-28T06:25:26+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/q4-2024/fixed-income-a-preferred-sector-in-a-falling-interest-rate-environment/</loc><lastmod>2024-10-30T12:02:34+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/have-i-taken-full-advantage-of-my-retirement-funds-before-and-after-retirement/</loc><lastmod>2024-10-30T12:02:18+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/two-pot-stay-invested-for-a-better-retirement/</loc><lastmod>2025-02-28T06:27:05+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/education-underpins-transparency-underpins-trust/</loc><lastmod>2025-02-28T06:28:04+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/legislative-and-regulatory-update-2/</loc><lastmod>2024-10-30T12:01:48+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/impact-of-the-two-pot-system-on-divorce-orders-and-pension-interest-claims/</loc><lastmod>2025-02-28T06:29:37+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/two-pot-system-a-risk-based-approach-for-financial-services-is-best/</loc><lastmod>2024-10-30T12:01:28+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/retirement-sector-endorses-the-reputation-and-mandate-of-leading-industry-body/</loc><lastmod>2025-02-28T06:04:22+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/recent-developments-in-section-37d1bii-and-withholding-of-benefits/</loc><lastmod>2024-10-30T12:01:07+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/ashburton-and-fnb-wealth-and-investments-announce-partnership-with-morgan-stanley/</loc><lastmod>2024-10-30T11:59:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/fnb-insure-partners-with-oneplan-insurance/</loc><lastmod>2024-10-30T11:59:05+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/ninety-ones-global-environment-strategy-awarded-mandate/</loc><lastmod>2024-10-30T11:59:31+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/withdrawals-from-retirement-funds-on-exit-from-employment-a-minefield-of-complexity-2/</loc><lastmod>2025-05-30T08:33:08+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/what-do-board-members-use-ai-for-and-how-do-they-do-so-safely/</loc><lastmod>2025-05-30T08:36:15+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/self-insurance-unpacked/</loc><lastmod>2025-05-30T08:37:44+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/the-evolving-role-of-actuaries-navigating-complexity-and-driving-strategic-value/</loc><lastmod>2025-02-27T16:48:18+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/providing-for-minor-children-upon-the-death-of-a-parent-an-overview-of-approved-and-unapproved-benefits/</loc><lastmod>2025-05-30T08:44:18+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/living-annuity-bucketing-approach-and-best-practices/</loc><lastmod>2025-02-27T16:48:18+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/q1-2025/the-psychology-of-retirement-planning-and-preparing-members-while-in-their-retirement-fund/</loc><lastmod>2025-02-27T16:48:18+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/q1-2025/estate-planning-for-joe-public/</loc><lastmod>2025-02-27T17:18:46+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/q1-2025/time-to-look-at-the-bigger-picture/</loc><lastmod>2025-02-27T16:48:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/q1-2025/independent-financial-advice-mapping-your-employees-path-to-a-comfortable-retirement/</loc><lastmod>2025-05-30T08:46:08+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/q1-2025/navigating-the-pitfalls-of-default-living-annuity-schemes-what-pensioners-need-to-know/</loc><lastmod>2025-02-27T17:09:57+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/watch-out-for-catch-phrases-and-empty-promises/</loc><lastmod>2025-02-27T16:48:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/a-nature-based-solution-for-water-treatment-in-south-african-coal-mining/</loc><lastmod>2025-05-30T08:47:48+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/africa-is-back-on-the-map-for-equity-investors/</loc><lastmod>2025-05-30T08:49:03+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/a-retirement-funds-and-its-service-providers-role-in-building-a-better-south-africa-for-all/</loc><lastmod>2025-02-27T16:48:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/risk-aversion-vs-returns-south-african-investment-lessons-from-2024/</loc><lastmod>2025-05-30T08:50:47+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/playing-the-trump-card-how-to-get-an-investment-edge-in-2025-the-role-of-private-markets-in-the-age-of-trumponomics/</loc><lastmod>2025-05-30T08:51:42+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/q1-2025/an-attractive-company-in-a-resilient-sector-the-case-for-dis-chem/</loc><lastmod>2025-05-30T08:52:50+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/legislative-and-regulatory-update-3/</loc><lastmod>2025-02-27T16:48:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/innovation-consolidation-and-legacy-irfa-unveils-its-focus-for-2025/</loc><lastmod>2025-02-27T16:48:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/complaints-enquiries-on-the-implementation-of-the-two-pot-retirement-system-lodged-with-the-pension-funds-adjudicator/</loc><lastmod>2025-02-27T16:48:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/fpi-ceo-shares-key-industry-developments-from-the-past-quarter/</loc><lastmod>2025-02-27T16:48:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/auto-enrolment-is-the-next-logical-step-towards-retirement-reform-in-south-africa/</loc><lastmod>2025-05-30T08:34:03+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/discovery-green-expands-portfolio/</loc><lastmod>2025-02-27T16:48:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/old-mutual-wealth-bolsters-dfm-offering/</loc><lastmod>2025-02-27T16:48:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/pps-launches-glu/</loc><lastmod>2025-02-27T16:48:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/new-mom-financial-planning-ceo/</loc><lastmod>2025-02-27T16:48:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/lets-talk-about-annuitisation-part-ii/</loc><lastmod>2025-05-30T08:31:57+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/what-if-a-minor-passes-away-what-happens-to-the-remaining-assets/</loc><lastmod>2025-08-24T16:44:45+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/the-hidden-cost-of-inaction-employers-contingent-liabilities-and-the-case-for-employee-benefits/</loc><lastmod>2025-05-30T08:15:38+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/cyber-liability-insurance-considerations-for-trustees/</loc><lastmod>2025-05-30T08:15:38+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/agendaworx/7-cybersecurity-risks-your-pension-board-might-miss-and-how-to-fix-them/</loc><lastmod>2025-08-24T16:46:47+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/qa-cybersecurity-and-resilience-from-an-asset-managers-pov/</loc><lastmod>2025-08-24T16:49:57+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/why-cybersecurity-should-be-on-every-fsps-risk-radar-in-2025/</loc><lastmod>2025-08-24T16:48:46+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/icts/joint-standard-2-of-2024-post-1-june-2025-now-what/</loc><lastmod>2025-08-24T16:50:59+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/cybersecurity-and-resilience-navigating-the-new-joint-standard-for-financial-institutions/</loc><lastmod>2025-05-30T08:15:38+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/esg-global-lessons-with-local-relevance-from-harvard-business-review-hbr-insights-series/</loc><lastmod>2025-08-24T16:51:57+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/trustees-how-much-do-you-know-about-infrastructure-as-an-asset-class/</loc><lastmod>2025-05-30T08:15:38+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/smarter-investing-how-ai-can-help-principal-officers-and-trustees/</loc><lastmod>2025-08-24T16:53:06+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/transforming-capital-into-opportunity-a-vision-for-inclusive-growth/</loc><lastmod>2025-08-24T16:54:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/the-strategic-imperative-for-investing-in-private-markets-and-diversifying-beyond-public-markets/</loc><lastmod>2025-08-24T16:55:21+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/the-golden-gamble-managing-risks-and-rewards-in-south-africas-gold-sector/</loc><lastmod>2025-08-24T16:56:18+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/classifying-financial-derivatives/</loc><lastmod>2025-08-24T16:57:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/coronation-fund-managers/psg-the-makings-of-a-long-term-winner/</loc><lastmod>2025-08-24T16:57:51+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/comfortable-retirement-is-a-privilege-you-have-to-fight-for/</loc><lastmod>2025-05-30T08:15:37+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/the-pitfalls-of-rule-of-thumb-calculations-in-retirement-planning/</loc><lastmod>2025-05-30T08:15:37+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/timing-the-rand/</loc><lastmod>2025-05-30T08:15:37+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/the-ideal-retirement-date-when-choosing-a-living-annuity/</loc><lastmod>2025-08-24T16:59:33+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/draft-conduct-standard-relating-to-pension-fund-benefit-administrators/</loc><lastmod>2025-08-24T17:00:13+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/the-impact-of-ai-on-financial-planning/</loc><lastmod>2025-05-30T08:15:37+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/pfa-says-funds-must-not-use-popia-to-hide-shoddy-investigations/</loc><lastmod>2025-05-30T08:15:37+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/extending-our-reach-building-stronger-retirement-futures-across-africa/</loc><lastmod>2025-05-30T08:15:37+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/alexforbes-bridges-esg-analysis-gap-with-paragon-impact-acquisition/</loc><lastmod>2025-05-30T07:32:43+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/standard-bank-group-extends-r400-million-facility-to-fintech/</loc><lastmod>2025-08-25T06:35:36+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/old-mutual-multi-managers-now-going-to-market-as-symmetry/</loc><lastmod>2025-08-25T06:35:36+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/african-infrastructure-investments-managers-successfully-exits-renewable-energy-investments-worth-over-r750-million/</loc><lastmod>2025-08-25T06:35:36+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/brightrock-and-henley-business-school-debut-advanced-change-science-institute/</loc><lastmod>2025-08-25T06:35:36+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/ensimini-financial-services-strategic-partnership-with-prolan-investment-holdings/</loc><lastmod>2025-08-25T06:35:36+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/beyond-returns-how-pension-funds-can-reshape-south-africas-future/</loc><lastmod>2025-10-29T10:13:25+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/south-africas-path-to-compulsory-preservation/</loc><lastmod>2025-08-25T06:35:35+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/how-to-think-about-beneficiary-nominations-for-retirement-funds/</loc><lastmod>2025-10-29T10:14:58+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/how-the-ai-revolution-is-transforming-the-retirement-industry/</loc><lastmod>2025-10-29T10:16:25+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/crypto-assets-and-retirement-funds-between-caution-and-conviction/</loc><lastmod>2025-10-29T10:18:07+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/strengthening-cybersecurity-in-pension-funds-the-impact-of-joint-standard-2-of-2024/</loc><lastmod>2025-10-29T10:19:45+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/how-the-next-evolution-in-employee-pension-benefits-is-about-meaning/</loc><lastmod>2025-10-29T10:20:39+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/alexander-forbes/why-evolutionary-thinking-still-matters-in-retirement-investing/</loc><lastmod>2025-10-29T10:22:04+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/be-the-evolution-a-call-to-redesign-south-africas-retirement-industry/</loc><lastmod>2025-10-29T10:22:50+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/mip-holdings/its-time-to-rethink-redesign-and-reconnect-with-members/</loc><lastmod>2025-10-29T10:24:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/alexander-forbes/does-your-retirement-fund-have-an-integrated-report-and-if-not-why-not/</loc><lastmod>2025-10-29T10:25:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/two-for-the-price-of-one-innovative-investing-to-get-the-most-out-of-your-retirement-savings/</loc><lastmod>2025-10-29T10:26:47+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/could-securities-lending-be-the-growth-sweetener-your-investment-portfolio-needs/</loc><lastmod>2025-10-29T10:28:06+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/a-3-inflation-target-the-panacea-for-all-our-woes/</loc><lastmod>2025-10-29T10:29:11+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/ai-and-investing-connecting-human-insight-and-machine-intelligence/</loc><lastmod>2025-10-29T10:30:15+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/the-investment-case-for-gender-equality-why-inclusion-drives-returns/</loc><lastmod>2025-10-29T10:31:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/ready-or-not-here-it-comes/</loc><lastmod>2025-10-29T10:32:29+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/rethinking-ev-projections-and-the-implications-for-pgms/</loc><lastmod>2025-10-29T10:34:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/the-discovery-of-fire/</loc><lastmod>2025-10-29T10:35:44+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/the-true-nature-of-risk-in-investing-beyond-numbers-to-human-behaviour/</loc><lastmod>2025-10-29T10:36:37+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/empowering-south-africas-future-launching-ebnet-kids/</loc><lastmod>2025-08-25T07:12:26+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/legal-and-regulatory-updates-for-retirement-tunds/</loc><lastmod>2025-08-25T06:35:36+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/the-evolutionary-shaping-the-future-of-financial-planning/</loc><lastmod>2025-08-25T06:35:36+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/building-on-a-legacy-the-planned-irfa-evolution/</loc><lastmod>2025-08-25T06:35:36+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/final-ruling-where-funeral-claim-was-wrongly-declined/</loc><lastmod>2025-08-25T06:35:36+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/how-to-best-utilise-your-savings-pot/</loc><lastmod>2026-02-25T13:32:45+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/enhancing-communication-could-drive-true-impact/</loc><lastmod>2025-10-29T08:12:18+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/two-pot-retirement-system-the-unfolding-impact-of-a-new-era/</loc><lastmod>2026-02-25T13:34:26+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/shifting-the-savings-curve-a-behavioural-blueprint-for-employers/</loc><lastmod>2026-02-25T13:37:03+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/beneficiary-funds-not-only-for-minors/</loc><lastmod>2026-02-25T13:38:24+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/retirement-in-transition-reflection-on-90-years-of-change-and-what-comes-next/</loc><lastmod>2026-02-25T13:41:05+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/impact-through-collaboration-lessons-from-30-years-of-infrastructure-investing-2/</loc><lastmod>2025-10-29T08:12:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/how-pension-fund-trustees-can-back-real-assets-without-risking-payouts/</loc><lastmod>2026-02-25T13:42:59+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/mentenova-and-sei-partner-for-global-equity-investments/</loc><lastmod>2025-10-29T08:12:21+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/powering-impact-transmission-infrastructure-as-the-next-chapter-for-pension-fund-investing/</loc><lastmod>2025-10-29T08:12:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/icts-legal-services-and-s-m-equity-holdings-announce-strategic-partnership-to-propel-service-delivery-in-pensions-legal-consulting/</loc><lastmod>2025-10-29T08:12:21+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/old-mutual-private-equity-successfully-exits-medhold-to-sanlam-private-equity/</loc><lastmod>2025-10-29T08:12:21+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/symmetry-partners-with-russell-investments/</loc><lastmod>2025-10-29T08:12:21+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/graviton-acquires-a-majority-stake-in-portfolio-analytics/</loc><lastmod>2025-10-29T08:12:21+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/discovery-green-and-glencore-sign-a-landmark-20-year-renewable-energy-deal-to-power-south-african-coal-operations/</loc><lastmod>2025-10-29T08:12:21+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/27four-lists-global-shariah-equity-ametf-on-the-jse/</loc><lastmod>2025-10-29T08:12:21+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/simeka/investing-with-intent-the-quiet-superpower-of-retirement-funds/</loc><lastmod>2025-10-29T08:12:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/the-great-diversification-in-regulation-28-where-financial-returns-meet-transformational-impact/</loc><lastmod>2025-10-29T08:12:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/alexander-forbes/esg-is-not-enough-embracing-impact-is-the-answer-to-creating-a-world-worth-retiring-into/</loc><lastmod>2025-10-29T08:12:19+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/private-credit-from-niche-alternative-to-mainstream-allocation/</loc><lastmod>2026-02-25T13:46:32+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/etf-reforms-driving-real-impact-in-south-africas-investment-market-2/</loc><lastmod>2026-02-25T13:47:47+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/bargain-hunting-in-sa-equities/</loc><lastmod>2026-02-25T13:49:05+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/turning-reclaims-into-returns-the-fundamentals-of-cross-border-withholding-tax/</loc><lastmod>2025-10-29T08:12:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/m-and-g-investments/turbulence-ahead-fasten-your-seat-belts/</loc><lastmod>2026-02-25T13:50:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/stock-take/picking-a-winner-prosus-a-shortcut-to-the-worlds-biggest-super-app/</loc><lastmod>2026-02-25T13:51:37+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/living-annuities-in-divorce-settlements-actuaries-provides-guidance/</loc><lastmod>2025-10-29T08:12:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/ai-is-changing-retirement-planning-as-we-speak-partner-with-those-already-leading-the-way/</loc><lastmod>2025-10-29T08:12:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/retirement-funds-legal-update/</loc><lastmod>2026-02-25T13:55:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/irfa-after-2025-from-conference-to-continental-impact/</loc><lastmod>2025-10-29T08:12:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/a-trust-for-transformation-advancing-fpis-vision-through-impactful-action/</loc><lastmod>2025-10-29T08:12:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/the-mutsila-judgment-and-its-impact-on-trustees-duties-when-allocating-death-benefits/</loc><lastmod>2025-10-29T08:12:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/equities-and-endurance-the-cornerstones-for-unlocking-long-term-investment-success/</loc><lastmod>2026-02-25T13:53:49+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/women-are-outperforming-men-on-retirement-savings-they-still-retire-with-less/</loc><lastmod>2026-02-25T15:46:17+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/king-v-is-here-some-additional-insights-for-boards-to-consider-2/</loc><lastmod>2026-02-25T15:45:44+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/integrating-health-and-financial-wellness-creates-a-holistic-approach-to-employee-benefits-2/</loc><lastmod>2026-02-25T15:19:01+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/relevance-not-tenure-what-trustees-must-rethink-to-protect-member-outcomes/</loc><lastmod>2026-02-25T15:19:01+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/social-security-and-retirement-reform-expectations-for-2026/</loc><lastmod>2026-02-25T15:28:20+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/practical-requirements-of-defensible-default-portfolios/</loc><lastmod>2026-02-25T15:19:01+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/employee-benefits/trustee-discretion-under-section-37c-of-the-pension-funds-act-evaluating-modes-of-payment-for-vulnerable-beneficiaries/</loc><lastmod>2026-02-25T15:19:01+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/fair-treatment-in-practice/</loc><lastmod>2026-02-25T15:19:01+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/moving-up/chinell-bermosky/</loc><lastmod>2026-02-25T15:19:04+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/moving-up/thakane-setsabi-mushonga/</loc><lastmod>2026-02-25T15:19:04+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/moving-up/kondi-nkosi/</loc><lastmod>2026-02-25T15:19:04+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/moving-up/zeenat-patel/</loc><lastmod>2026-02-25T15:19:04+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/moving-up/portia-boshomane/</loc><lastmod>2026-02-25T15:19:03+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/moving-up/anastacia-tshesane/</loc><lastmod>2026-02-25T15:19:03+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/special-feature/the-enigma-that-is-cofi/</loc><lastmod>2026-02-25T15:19:01+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/agendaworx/cofi-transparency-and-the-role-of-ai-in-trustee-decision-making/</loc><lastmod>2026-02-25T15:19:01+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/companies/m-and-g-investments/cofi-and-the-future-of-pension-fund-governance-in-south-africa/</loc><lastmod>2026-02-25T15:19:01+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/2026-a-year-for-balance-not-big-bets/</loc><lastmod>2026-02-25T15:19:01+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/changing-world-order-emerging-markets-are-now-the-adults-in-the-room/</loc><lastmod>2026-02-25T15:19:01+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/sa-equities-time-for-more-than-gold-to-shine/</loc><lastmod>2026-02-25T15:19:01+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/beyond-stock-picking-through-strategic-global-factors/</loc><lastmod>2026-02-25T15:19:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/boutique-vs-large-managers-what-size-really-means-for-performance-and-for-south-africas-economy/</loc><lastmod>2026-02-25T15:19:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/moving-up/francois-venter/</loc><lastmod>2026-02-25T15:19:03+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/moving-up/nicole-martens/</loc><lastmod>2026-02-25T15:19:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/moving-up/mario-fisher/</loc><lastmod>2026-02-25T15:19:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/moving-up/rachma-ismail/</loc><lastmod>2026-02-25T15:19:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/moving-up/johann-els/</loc><lastmod>2026-02-25T15:19:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/cartesian-capital-expands-investor-toolkits-with-jse-listings/</loc><lastmod>2026-02-25T15:19:03+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/agility-will-deliver-returns-in-a-dynamic-2026/</loc><lastmod>2026-02-25T15:19:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/private-markets-building-long-term-value-for-trustees-and-society/</loc><lastmod>2026-02-25T15:19:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/investments/the-new-standard-how-systematic-investing-is-redefining-success/</loc><lastmod>2026-02-25T15:33:00+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/sanlam-ramps-up-drive-to-integrate-health-into-financial-planning/</loc><lastmod>2026-02-25T15:19:03+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/aiim-expands-africans-largest-cold-storage-platform-with-acquisition-of-port-elizabeth-cold-storage/</loc><lastmod>2026-02-25T15:19:03+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/jse-expands-investment-offerings-with-oribi-global-growth-prescient-ametf-listing/</loc><lastmod>2026-02-25T15:19:03+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/sanlam-investments-formalises-strategic-relationship-with-ninety-one-as-it-gears-up-for-growth/</loc><lastmod>2026-02-25T15:19:03+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/in-the-news/jse-announces-listing-of-two-new-allan-gray-actively-managed-etfs/</loc><lastmod>2026-02-25T15:19:03+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/stock-take/the-jeweller-of-kings-and-the-king-of-jewellers/</loc><lastmod>2026-02-25T15:19:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/personal-financial-planning/knitting-through-the-noise-why-timing-the-market-unravels-your-retirement/</loc><lastmod>2026-02-25T15:19:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/legal/legal-update/</loc><lastmod>2026-02-25T15:19:02+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/cofi-moving-beyond-tick-box-compliance-to-true-conduct-regulation/</loc><lastmod>2026-02-25T15:19:03+00:00</lastmod></url><url><loc>https://www.ictsdev.co.za/articles/industry-updates/navigating-the-new-frontier-the-cofi-bill-and-the-future-of-south-african-retirement-funds/</loc><lastmod>2026-02-25T16:15:53+00:00</lastmod></url></urlset>
