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September 2017

13Sep

South Africa. Sweating pensions in the post-retirement phase

Only 6% of South Africans (about 3.4 million) are over the age of 65. On the other hand, in the United States 15% (46 million) are over the age of 65 and in the UK, 18% of the population (nearly 12 million) are over 65. Our political focus is quite rightly focussed on the needs of the youth. In developed countries relentlessly aging populations have forced governments to change the political agenda away from an exclusive focus on youth to...

September 13, 2017
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August 2017

30Aug

South Africa. Can the average investor afford such significant underperformance?

I recently attended a board meeting of an independent financial advisor, and the following graph was included in the board pack: The Asisa average for SA Multi Asset High Equity funds over the last 12.5 years makes for interesting reading. This particular category in the Collective Investment Scheme (CIS) space averaged 363.3, which means that if a R100 was invested on December 31, 2004, a client would see an amount of R363.30 returned to him on the June 30, 2017, that...

August 30, 2017
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24Aug

South Africa. Six retirement ‘rules of thumb’ that should be retired

Managers of retirement funds have to manage the underlying assets in retirement funds according to rules in Regulation 28 of the Pension Funds Act. These rules set certain maximum exposure to certain asset types such as equities, bonds, cash, hedge funds, private equity investments and offshore funds. Managers may invest a maximum of 75% of the portfolio in equities, and a maximum of 25% offshore, (excluding Africa) for example. The maximum exposure to hedge funds is 10% and to private...

August 24, 2017
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