Rethinking retirement investment risk
Why getting aggressive with your pension portfolio pays off. As retirement approaches, many people reduce their risk profile by shifting their pension investments to more conservative assets like bonds and money market. However, this traditional strategy, though designed to protect against market volatility, can actually diminish the future growth potential of retirement savings – especially […]
When to re-evaluate your investment
Market turmoil is not the signal to adjust your investment strategy. When markets are volatile, investors would be forgiven for wanting to make portfolio changes as a way of trying to stay in control. However, we would caution against altering your investment strategy or its execution unless it was incorrect at the outset, or your […]
Investment insights: Maximising interest returns
Navigating the trade-off between liquidity and return. Investors with a more short-term or undefined investment horizon often leave their money in a bank deposit of some sort. Interest rates have been rising during 2022, making bank investments more attractive than they were in the past 12 to 24 months. The key challenge for these investors […]
Investment with a solid foundation
Buying real estate is more than finding the right home or location for your business – owning property is an investment that holds more benefits than you might know. Income Predictability While interest rates may alter mortgage repayments at first, real estate offers a somewhat constant financial investment. Once home loans are repaid in full, real estate offers the owner a constant income that does […]
RFS Umbrella Pension & Provident Funds Communique 02 of 2019: Your Fund and the Default Regulations
This document outlines the approach that the Funds have taken with respect to Regulations 37 to 39 of the Pension Funds Act – the “defaults regulations”. The regulations deal with three key events in the life of a member. Firstly, Regulation 37 deals with members who join the Fund or are active members within the […]