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In the world of product innovation, are we getting it right? In essence, keeping things simple during product development is counter intuitive and more difficult than it sounds.
In previous publications over the past year we have discussed the extent to which Independent Financial Advisers (IFAs) all over the world are increasingly debating very similar issues. Many advisers would no doubt be aware of the following discussions:
Saul Doctor of JP Morgan, in a report titled What Your Great-Grandfather Should Have Bought: Analysing a Century of Asset Returns, came to the fascinating conclusion that on a risk-adjusted basis, corporate credit outperformed the other asset classes (government bonds, equities and gold) for the period 1919 – 2009.
The South African retirement industry (excluding the government pension fund) manages assets of around R1.8 trillion.
The strongest deterrent against FSP compliance missteps is or should be: