By now, most of us are accustomed with the terms digital native and digital immigrants. Digital natives refers to the portion of the population who were born into a world of technology. Digital immigrants invest significant amounts of time and money to get to the level that digital natives naturally find themselves in. Change is a very scary prospect for digital immigrants.

On 1 March 2019, retirement funds will be expected to be fully compliant with the Default Regulations that were implemented on 1 September 2017. The key question that needs to be asked is what some funds have been doing with their time? The Default Regulations were implemented in September 2017 and funds had an 18 month grace period to ensure compliance; why then are there still concerns in the market that some funds will not be ready for full compliance come 1 March?