simekaconsult

Private equity and structural changes to investment markets

This article is the second in a series of seven exploring private equity investment, and it focuses on the “lower for longer” returns expectation from traditional asset classes, as well as some fundamental shifts in those markets.

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Should retirement funds allocate capital to private equity?

This article is the first in a series of seven, exploring private equity investment.

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South Africa’s Credit Rating: Reprieve or Relief?

The classic disclaimer that past performance (or even a lack thereof) does not guarantee future success (or lacklustre returns), now holds true as much as in the past. This means that past averages cannot be expected to predict with great conviction certain outcomes. However, this article expresses our view of what the recent credit rating (non-)event means to our portfolios. In short, it is our opinion that recent below average performance might not be expected in the next business cycle. Although we briefly introduce our views on other macro risks such as an expected synchronised slowdown in global developed economies and potential recessions, this article will focus on credit ratings applicable to South African bonds.

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Unpacking Regulation 39 - Annuitisation strategy

Regulation 39 compels all retirement funds to provide members with an annuity (pension) strategy with various annuity options, either in-fund or out-of-fund. This strategy can take the form of a guaranteed (life) and/or a living annuity or a combination of both.

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Unpacking Default Regulation 38 - Default Preservation strategy

All retirement funds will, from 1 March 2019, need to allow for all members who withdraw from the fund (i.e. resign, are dismissed or get retrenched) to leave their retirement benefit in the fund. Such a member will become a paid-up member.

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Unpacking Default Regulation 37 - Default Investment Portfolio(s)

The default regulations, more specifically Regulation 37, require retirement funds to establish a default investment portfolio that is appropriate for the members of the fund.

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2019 Budget Review - How badly do you need to tighten your belt?

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Saving some extra rands can make a lot of sense

By Zaakir Enoos, Consultant

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Saving extra rands can make a lot of sense

We have all heard the age-old “saving for a rainy day”. But what is a rainy day, which options are available to you, and how do you know which one to choose?

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Time to manage risk and think long-term

Retirement Fund investment returns have been disappointing over the last few years. This has left many of us feeling concerned as we saw the values of our retirement portfolios increase very little, or even decreasing during some periods. The question we need to address is: “What should I do in the current environment?”

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