Retirement / General

South Africa's Retirement Crisis Cannot Wait: As Savings Month Begins, IFSA Asset Managers Calls on South Africans to Plan Beyond the Piggy Bank

As South Africa enters Savings Month this July, IFSA Asset Managers is urging the nation to look beyond short-term emergency savings and confront an uncomfortable truth: the majority of South Africans are heading toward a retirement they cannot afford.

The great living annuity balancing act: Income today versus security tomorrow

Retirement systems must be designed for real lives, not ideal ones

For many South Africans, retirement is no longer the neat final chapter of one uninterrupted working life. It is shaped much earlier, as people move between jobs, take on family responsibilities and make difficult decisions when income does not stretch far enough.

Has the retirement industry underestimated inflation risk?

The South African Reserve Bank's higher-for-longer interest rate outlook and revised inflation expectations have sharpened a critical challenge for retirement savers and funds: generating real returns is becoming more difficult, annuity pricing and liability assumptions may need recalibration, and portfolios designed for a low-inflation environment could struggle to deliver the outcomes members expect.