November 2012

Download full edition here (file size 5.38mb) or you can read the individual articles below.  

 

Note from the CEO - Robert Roux

The past few months spent preparing for our annual Benchmark Symposium have been an exciting time for all of us at Sanlam Employee Benefits. At this year’s Symposium, we focused on both the retirement reform process and the lack of a retirement savings, and whether the former would be able to effectively change the latter.

Note from the Editor: Welcome to the November issue of insight. Sanlam Employee Benefits (SEB) has had a busy few months with the production of yet another successful annual Benchmark Symposium, themed Savings Heroes.  Read more....

 

The search for heroes

By Danie Scholtz, Head of Marketing: Sanlam Employee Benefits

Celebrating our countries‘ Savings Heroes’ – everyday South Africans who show that despite adverse conditions, saving is possible.    Read more....

 

Default Annuity Strategies

By Kobus Hanekom, Head of Strategy Governance and Compliance at Simeka

Providing default pensions at retirement is a key component of the new Simeka Benefit Structure approach.   Read more....

 

Engaging with the industry: A consumer's perspective

 By Maya Fisher-French, Freelance Financial Journalist

 

As a personal finance columnist for City Press there are two questions I receive most often: “How do I get out of debt?" and “Where do I save?"  Read more....

 

Invest in kindness

By Tonnea Bradbury

Gabriel*, 83, has never let poverty or apartheid and its legacy get the better of him – or his family. Now, in retirement, he lives earnestly with only love in his heart. Read more....

 

Is there a role for intermediaries in the future?

By Richard van Dijk, General Manager at Sanlam Employee Benefits

The short answer to this provocative question is an unequivocal yes; however, the profile of tomorrow’s intermediary will be vastly different to what we’ve become accustomed to over the years.   Read more....

 

Retirement Fund Reform – the Umbrella Fund Response

By David Gluckman, Head: SEB’s Future Positioning and Research

Companies predict continuing massive industry consolidation over the next few years.  Read more...

 

The next generation

For the up-and-coming generation, Generation Y, retirement poses many challenges. Let’s get them thinking and talking realistically.  Read more...

 

Prescribed assets a futile debate

By Precious Buthelezi (Monitoring specialist at Simeka) and Dirk Oosthuizen (Investment Consultant)

 

The debate on prescribed assets has resurfaced as a means to address social and economic inequality in SA.  Read more...

Is the private sector group insurance industry future proof

By Viresh Maharaj, Actuary at Sanlam Employee Benefits: Group Risk

 

The South African group risk industry displays the classic characteristics of a mature industry, namely strong price competition, low-profit margins and a high degree of market penetration.  Read more....

 

 

Thank you to all the authors who so eagerly shared their knowledge with us in this edition.

Send your suggestions or questions to:

Thaniah Toefy
Editor: Insight
Sanlam Investments
Private Bag X8
Tyger Valley 7536
Tel: (021) 950 2547
Fax: (021) 950 2955

Email: thaniaht@sim.sanlam.com
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