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Epic time of fear and opportunity
Category: Articles/Editors Notes
... for those, such as pensioners or near-pensioners, who cannot afford to run the risk of serious knocks. It is, however, also a time that could richly reward the brave of heart who play their cards right. ...Tuesday, 07 September 2010 -
Economic recovery
Category: Articles/Investments
... as the aging crisis drives up pension and health costs on a static tax base. While the current stock of debt is large, it is dwarfed by the accumulations of future liabilities if policies do not change.” ...Monday, 23 August 2010 -
State of pension funds
Category: Articles/Investments
SA funds bug international trend The financial crisis globally left scars on private and public pension systems. In certain cases, the reserves of pension funds have dropped to between 60% and 100% of ...Tuesday, 17 August 2010 -
Business governance
Category: Articles/Other
... pension funds and medical schemes. The IoDSA is on track to release these modules at the end of June for live testing with users. Already, Oosthuizen says the ability to constantly develop and improve ...Monday, 26 July 2010 -
Retirement Funds
Category: Media Releases/Media Releases
... aware of stricter oversight by the Pension Funds Adjudicator who has cut trustees little slack in recent adjudications” says Brian Gillespie of Alexander Forbes Risk Services. Fidelity claims ...Friday, 21 May 2010 -
Focus on CIPRO
Category: Articles/Investments
... Twum-Darko. Cipro's chief executive officer Keith Sendwe has denied that whistle-blowing had anything to do with the suspension, but will not make known the 'real' reasons for De Lorenzo’s suspension. ...Tuesday, 26 January 2010 -
Post-crisis or in crisis – what to do?
Category: Articles/Development
... in this situation. Pensioners in particular are struggling. Most pensioners are back on income yields of three years ago and asset values/prices of three years ago, while costs for middle-class families ...Monday, 07 December 2009 -
Pension or Provident Fund
Category: Media Releases/Media Releases
Pension or provident fund not enough for retirement 18 November 2009 If you already belong to a pension or provident fund, you need to put at least a further 10% of your gross earnings towards your ...Thursday, 19 November 2009 -
Pension Crisis
Category: Articles/Retirement
Pensions in trouble globally The present global financial crisis has seen assets in private pension plans – which have become an important component of diversified retirement systems in member countries ...Monday, 05 October 2009 -
The financial crisis
Category: Articles/Other
... as is feasible over the medium term. • Reinforce public confidence in, and the financial soundness of, private pension systems and promote hybrid arrangements to reduce risk. (A full copy of the 99-page ...Monday, 28 September 2009 -
Market movements – what now?
Category: Articles/Marketing
... to ensure she does not lose any of her hard earned capital. Ms Y diligently saves a portion of her salary until retirement. She also has a pension fund with the company she works for, but here she also ...Wednesday, 01 July 2009 -
Tax-wise investments
Category: Articles/TAX
... be beneficial from a tax perspective. A retirement annuity fund can be used by a self-employed person or by an employee, either in place of, or in addition to, his pension fund. On retirement, one-third ...Wednesday, 01 July 2009 -
After the storm
Category: Articles/Marketing
... need new thinking in other areas, from competition, investment and pensions policies to tackling climate change, social exclusion and poverty. We need to raise productivity while keeping trade and investment ...Sunday, 01 February 2009 -
Towards professionalism
Category: Articles/Marketing
... (Institute of Life and Pensions Advisers) in the early 1980s. This eventually become the Financial Planning Institute (FPI), despite significant opposition at the time to shedding the “life” umbilical ...Sunday, 01 February 2009 -
Dodging means
Category: Articles/Other
Recent research has confirmed that the criteria of the means test used to determine whether people with low incomes qualify for the state old-age pension (SOAP) is discouraging this category of the population ...Monday, 05 May 2008 -
Dealing with death benefits
Category: Articles/Other
Controversial as it may seem, the Pension Funds Act prescribes how death benefits payable by registered retirement funds should be distributed but does not provide any guidelines as to the steps to be ...Monday, 05 May 2008 -
The conventional inadequate
Category: Articles/Other
... funds so invested are grown through investment in the capital markets, both debt and equity. Retirement is catered for through retirement annuity plans and pension funds. An overwhelming feature of ...Monday, 05 May 2008 -
Emulating the best
Category: Articles/Other
... approximately 30% of all pension fund assets are now invested in index funds. CALPERS the world’s largest pension fund commonly indexes 25-30% of its almost $200bn California State pension portfolio. ...Monday, 05 May 2008 -
Freedom of choice
Category: Articles/Other
... financial advisors will also be able to manage their clients retirement annuities, pension and provident funds on our platform,” said van der Merwe. “The EFS LISP platform confirms with the ...Wednesday, 20 February 2008 -
Power to the people
Category: Articles/Other
... or were at best apathetic! So the wrong decisions were made and the wrong products purchased and all of a sudden our money ran out. It was the wrong pension, wrong investment and no one really cares. So ...Wednesday, 20 February 2008 -
A fine balance
Category: Articles/Other
... insurance industry, more than forty years ago, in what was then known as the ‘Pensions Department’ (now most probably known as the Employee Benefits Division) I was allocated a desk, a number ...Wednesday, 20 February 2008 -
Your will: is it really yours?
Category: Articles/Other
... decision to contribute towards a pension or provident or other retirement fund governed by the Pension Funds Act does not necessarily give you the right, on your death, to choose the recipients of such ...Tuesday, 22 January 2008 -
Sobering, silky words
Category: Articles/Other
... • 47% are dependant on relatives; • 31% are forced to continue working or take up second careers; • 16% are dependant on a state pension — a mere R820 per month; and • Only 6% ...Tuesday, 22 January 2008 -
Get the policy right
Category: Articles/Other
In the past the majority of pension funds invested their assets in traditional balanced portfolios. Such portfolios have allocations to a number of asset classes such as equities, bonds and cash. The asset ...Tuesday, 22 January 2008 -
Independence of trusteeship
Category: Articles/Other
... dilute the effective control that the union had over the members’ trustees. These changes were deemed necessary to comply with newly promulgated provisions of the Pensions Fund Act. It was felt that ...Tuesday, 22 January 2008 -
Serving the client
Category: Articles/Other
... what people already had in terms of retirement funds. In many cases, those products were all that people needed to supplement their pensions. In other words, they bought additional insurance and an investment ...Tuesday, 22 January 2008 -
A new dispensation
Category: Articles/Other
The recent Pension Funds Amendment Act has provided for the ‘clean break’ principle on divorce to apply.Basically this means that where a divorce order attaches a member’s benefit in ...Tuesday, 22 January 2008
