Exchange Traded Funds (ETFs) – what opportunities do they provide
The rise of ETFs The Exchange Traded Funds (ETF) industry in South Africa has gained popularity in recent years, with the total market capitalisation of the entire South African ETF industry, increasing from R165.4 billion at the end of 2023to R178.2 billion at the end of the Q1 of 2024, representing a rise of 7.7% […]
Why do retirement funds have a default investment portfolio?
Members historically did not make investment portfolio choices when joining a new retirement fund. This brought changes forward in the legislative landscape with the default regulations that became effective on 1 September 2017. Retirement funds were given 18 months to implement the requirements of Regulation 37, 38 and 39 to the Pension Funds Act 24 […]
Annuity Decisions at Retirement – Your Options Explained
Retirement fund members face an important decision at maturity of their retirement fund with at least two-thirds of their retirement savings used to purchase a complusory pension annuity, providing an income during retirement. While the annuitisation of a large portion of your savings is a given, members do have a choice on the type […]
ESG Trends Shaping the Future of Agriculture
The agriculture industry is experiencing a transformative shift as Environmental, Social, and Governance (ESG) considerations become increasingly integral to its operations. ESG factors are redefining how agricultural businesses operate, invest, and measure success, aligning their goals with broader societal and environmental responsibilities. This article explores the key ESG trends in the agriculture industry, highlighting how […]
Benefits of a multi-manager approach
At 27four Investment Managers, we believe in the concept of not putting all your eggs in one basket. Superior investment performance can be delivered to our clients by focussing on an investment process that identifies sources of return as well as sources of risk of each asset class, to ensure that we build portfolios that […]
Time to join forces for better employee benefits
It is becoming increasingly more important for consultants in the industry to start taking the lead and assist employers with the design of their employee benefits offering to employees. The reality is that it’s not enough for employers to provide a retirement fund only as part of the employee benefits offering. There is a lot […]
Ramadan Edition: Increase your zakaatable wealth through sound investment choices & improve social welfare
Ramadan is once again upon us, and it is an important time for Muslims to reflect on how their finances are managed. It also provides an opportunity to give back to the community and improve the standard of living of the less fortunate by paying your zakah. The importance of paying zakah cannot be underestimated, […]
Reduce your tax liability by investing in your retirement!
The 2024 tax year-end on the 29th of February is nearing, and now would be ideal time to review your retirement funds and take full advantage of the tax incentives provided by government. By topping up your retirement fund, you can reduce your tax liability and improve your nest egg at retirement. There are multiple […]
Take a tax break
Max your returns with zero tax! Open or top-up your tax-free savings account (TFSA) before the start of the new tax year, 29 February 2024. Doing so before the new tax year means you can benefit from tax concessions for the 2023 tax year and still qualify for tax relief on retirement annuities and tax-free […]