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	Sanlam Structured Solutions (SSS) Our Business Annuities Guaranteed Investments Derivatives Sanlam Asset Liability Index (SALI) About Us Our People Financial Tools Industry Publications Insight Member Alert In the News BENCHMARK Symposium BENCHMARK Symposium 2012 BENCHMARK WebApp & Survey Reports Previous Symposiums News and Articles Contact Us	Insight November 2011 Download full edition here (file size 5.43mb) or you can read the individual articles below. Benchmark Highlights By Danie van Zyl, Head: Guaranteed Investments, Sanlam Structured Solutions. The Sanlam Benchmark survey has been at the forefront of identifying and analysing trends in the retirement fund industry for over three decades. Read more.... Shifting the Goalposts By Viresh Maharaj, Actuary at Sanlam Employee Benefits: Group Risk “Only up to 10% of employed South Africans willbe able to retire with adequate financial security.” The Benchmark survey has once again brought the dire state of retirement savings in South Africa into the spotlight, as our analysis indicates that only up to 10% of employed South Africans will be able to retire with adequate financial security. Read more.... Time to sow By Steven Burgess, Professor of Business Administration at UCT The retirement savings industry faces a period of fundamental change. South Africa is undergoing a period of socioeconomic flux on a scale not previously experienced in our country. Read more.... The dream.... By Angela Aschmann. If you fail to plan, you plan to fail... This adage becomes truly relevant when it comes to securing your retirement. Most financial advisors agree that you need an income of between 70% and 90% of your pre-retirement income to maintain your current standard of living once you retire. Read more.... Communication is covered effectively By Dalene Bennett, Business Development Manager at Sanlam Umbrella Solutions. “It is clear we understand our membership – our target market – particularly well." The Sanlam Umbrella Fund is providing its customers with award-winning communication due to its understanding of its customers and excelling at exchanging information with them. Read more.... Begin with the end in mind By Wagieda Suliman, Market Intelligence Consultant at Sanlam. With 30 years of research under SEB’s belt it is fairly easy to see where changes – both good and bad – have occurred in the industry. Read more.... The Architecture of Choice By Kobus Hanekom, Head: Strategy, Governance and Compliance at Simeka. One of the key features of a typical defined contribution fund is the level of member choice. The question is: is it serving us well? Read more... Umbrella Funds Survey By David Gluckman, Managing Director: Sanlam Umbrella Solutions. This is the third year that we have undertaken a separate study on Umbrella Funds, hence we have now accumulated sufficient history to meaningfully analyse the emerging trends. Read more... ... the nightmare By Angela Aschmann. The ultimate nightmare scenario is having absolutely no funds available for retirement – and no way of generating an income. Even if that doesn’t reflect your situation, many people still make common mistakes that have a cumulative negative impact on their retirement security. Read more... Passion for customer service By Angela Aschmann. Working to ensure his clients have a comfortable retirement is Victor Kambule’s passion – when he’s not supporting his beloved Orlando Pirates. Victor Kambule, 48, joined Sanlam Group in 2009 and is currently Regional Manager, Distribution Support, where he is responsible for new business and his team of employee benefit specialists. He also sits on the Sanlam Provincial Advisory Board. Read more.... The Death of Retirement By Bruce Whitfield, Financial Journalist How longevity, better medical care, high costs and poor returns could see your savings expire before you do. My father – a Free State farmer for more than 60 years – recently retired, having worked to beyond his 80th year. Read more.... Looking past the Hedge By Paul Harrison, Head of Sales at Sanlam Multi Manager International Clearly global investors see the benefits of using hedge funds as a part of their overall portfolio. However, South Africans don’t seem to have taken up this trend yet. Read more.... Editor's note Welcome to the second edition of Insight for 2011, in which we’ve included a variety of authors from different businesses in our investment cluster. Paul Harrison (Head of Sales at Sanlam Multi-Manager International) demystifies hedge funds for us, while Phillip Mjoli (Head of Institutional Clients at Sanlam Investment Management) and Thomas Schlebusch (CEO of Blue Ink Investments, hedge fund of fund business) discuss the basics of hedge funds. 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 Additional options Insight is also available as a printed version sent to you via normal mail or you can be notified when the online version on the web has been updated. Printed version via normal mail Click on the appropriate link below: Subscribe to receive Insight for the first time Stop your subscription to Insight Change your subscription details (subscribed recipients) Previous editions Click here to access the archive of this publication. Please note: PDF documents are viewable using the Adobe® Acrobat Reader. You can download Acrobat Reader free of charge directly from Adobe (All platforms). Content within this section:

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25/05/2012