As someone working in the South African financial services industry – having been involved in both the auditing side and now in employee benefits and retirement planning side – I’ve seen how risk and compliance have become central to business sustainability. Our fiduciary duty requires accuracy, transparency and trust.   Our local Financial Sector Conduct Authority (FSCA) and country-specific legislation such as the Financial Advisory and Intermediary Services (FAIS) Act, Fin

As we enter the next chapter of the Two-Pot Journey, we reflect on the past year of change in the employee benefits and financial environments.   One of the most important results of the change in legislation is the need for member engagement and especially, ongoing education. When listening to the legal feedback sessions on changes coming with the Conduct of Financial Institutions Bill (COFI) and Treating Customers Fairly, the role of an experienced employee benefits consult

Fund administration refers to the day-to-day operational and financial management of investment funds such as mutual funds, hedge funds, private equity, pension funds, and more. The function supports ensuring accuracy, remaining compliant, and building investor confidence while enabling fund managers to focus on strategy.   It is typically handled by specialised third-party firms or internal teams that support ensuring that funds run smoothly and maintain transparency.   Fund

For many just starting out, investing can feel daunting. But by breaking it down into the basics and aligning it with your personal...

Employee benefits – beyond just a paycheque – play a crucial role in shaping employee morale, retention, and engagement, ultimately...

While the two-pot system came into effect on 1 September 2024, we still often get questions about the workings of it.   Let’s take a...

Questions about when to invest, when to buy, and when to sell are difficult to answer – even for the most experienced investors. Waiting...

Are you an employer wondering why some prefer outsourcing their payroll rather than doing it in-house?   The benefits are numerous!  ...

It’s no secret that employee benefits play a crucial role in attracting, retaining, and motivating talent. Yet, navigating the...

In the intricate and highly regulated world of retirement fund administration, much of the spotlight often shines on investment...

South Africa was placed on the Financial Action Task Force (FATF) grey list in February 2023. The FATF grey list includes countries that...

Minor Beneficiaries and Estate Planning When a new year kicks off, everyone becomes so busy with their daily routines that before you...

Taxation Laws Amendment Act 2019 (the Act) The Taxation Laws Amendment Bill (“TLAB”) has been signed into law. The Act does not amend the...

Retirement fund members world wide were shocked by the slump in the markets during March 2020. We saw an immediate spike in members...

A retirement fund, is by virtue of its name, mainly seen as a fund in which to accumulate contributions for retirement. Every day...