MARTIN HESSE | martin.hesse@inl.co.za – 4th June 2019 https://www.iol.co.za/personal-finance/investments/what-your-umbrella-fund-offers-you-under-the-default-regulations-24856454 If your employer belongs to a large commercial umbrella fund, the fund will have aligned its products and services to comply with the default retirement fund regulations, which came into effect March 1. If you belong to a stand-alone employer fund, on the other hand, the […]
Continue reading
Regulations and the law of unintended consequences
MARTIN HESSE | martin.hesse@inl.co.za – 11th May 2019 RECENTLY, I wrote about how the revised Policyholder Protection Rules for life insurance were causing headaches for providers of group life cover, because the revised rules had been drawn up more with the individual consumer in mind than employers buying group cover for their employees. This is […]
Continue readingAre advisers neglecting needs of older clients?
FINANCIAL PLANNING – 10 SEPTEMBER 2018 – MARTIN HESSE – OPINION: WORDS ON WEALTH (https://www.iol.co.za/personal-finance/financial-planning/are-advisers-neglecting-needs-of-older-clients-16963388) SAIFAA did not write the below article. The original can be found above. What strikes me about commercial activity in South Africa is that it is predominantly focused on the young. The clothing and entertainment industries, in particular, seem oblivious […]
Continue reading
Business Live – Shorter working lives and longer retirements means you need to check your pension is on target
SAIFAA recently featured in an article on Business Live. To see the full article please click here.
Continue readingYour financial adviser must check that products are safe
We will soon be implementing SAIFAA’s due diligence program. As such we thought it would be appropriate to look at an article by Bruce Cameron about ensuring that your financial advisor checks their practices and products are safe. Your financial adviser must, by law, take reasonable steps to ensure you are not sold a lemon […]
Continue readingBusiness Live (Sunday Times) – Body to expose dodgy finance products
Laura Du Preez – (https://www.businesslive.co.za/bt/money/2017-10-14-body-ready-to-expose-opaque-investments/) SAIFAA did not write the below article. The original can be found on the link above. Body to expose dodgy finance products A new organisation representing independent financial advisers plans to name and shame financial product providers that are not transparent about their companies or products. The newly launched South […]
Continue readingBusiness Live (Sunday Times) – That living annuity may just expire before you do
LAURA DU PREEZ – (https://www.businesslive.co.za/bt/money/2017-08-26-that-living-annuity-may-just-expire-before-you-do/) SAIFAA did not write the below article. The original can be found on the link above. That living annuity may just expire before you do Working out how to provide a sustainable income from your retirement savings is “the nastiest, hardest problem in finance “, says William Sharpe, the man […]
Continue readingBusiness Times (Sunday Times) editorial – It could help to pay an advisor from your investments
SAIFAA recently featured in an article in the Business Times (Sunday Times). To see the full article please click here.
Continue readingCity Press – Market returns disappoint retirees
Maya Fisher-French – (http://www.fin24.com/Money/Retirement/market-returns-disappoint-retirees-20170903-2) SAIFAA did not write the below article. The original can be found on the link above. Market returns disappoint retirees Johannesburg – Retirees who have been relying on market-related investment returns to provide their retirement income have had a pretty tough ride over the past three years. City Press has started to […]
Continue reading