Investing, Human Psychology, and Behavioural Biases – Is the Human Brain Fit For Purpose? In today’s world of economics, the investment management industry is a reservoir of some of the…
Pension Funds Offshore Investments: Betted, All-In, On Ukraine? Certainly, the question sounds rather frivolous now, but roll back the clock to prior to the first bombs dropping in those early…
Pensions and Economics: Falling Despite Our Heavy Artillery? Much discussion of pensions gets bogged down in arguments over what kinds of financial portfolios are safest or grow fastest, whether pension…
Pension Funds – Sleeping Giants in the Hard Currency-Generation Ecosystem? If there is one thing that two decades of economic hardship has taught us, it is that we are, ultimately,…
The New Pension Funds Act - Towards a More Elaborate, More Modern, and More Prescriptive Regulatory Regime? Reading a piece of legislation is no bedtime pastime at all. In fact,…
Gold Coins Investing – A “Gold Rush” Opportunity for Pension Funds? While it was clear it would not be long before we answered to the calls to share our insights…
A Pension Fund Consultant’s Perspective! “Corporate load”, is what corporate governance feels like at times. Just the sheer volume of paperwork, documents, records, and files that need to be put…
This discussion demands clarity first. In fact, the topic should have been more appropriately titled, “Trustee Remuneration? What, and Why, Remuneration?” With that out of the way, let us dig…
A huge, game-changing, opportunity seems to have remained hidden in plain sight for many in the pension fund industry. Even recent regulatory changes shining the spotlight on this opportunity does…
Fees destroy value. Rather put bluntly, but maybe a little bit of basic math will help justify the tone. Did you know that for every half-a-percent charge in fees a…
“In the long-run we are all dead”, John Maynard Keynes, renowned economist, 1883–1946. For many, “long-term” has remained an abstract, elusive, and rather fluid concept with no clear and universal…
Recent regulatory changes that have expanded the prescribed assets regime by according prescribed assets status to privately issued instruments has brought much hype and relief to the pension fund industry.…
The much awaited, and patiently hoped for, provision for pension fund offshore investments has now been made into law. For most in the industry, it has been like watching paint…
Many have asked, if Defined Benefit funds are an onerous financial burden to employers, and traditional Defined Contribution plans have consistently fallen short of the mark, is retirement funding doomed?…
The duty to manage third party money requires a remarkably high degree of care, caution, and diligence. Pension fund service providers are expected to secure members’ retirement savings under their…
While generally the pension fund industry has moved to adopt digital technologies, few firms have meritoriously integrated such technologies into their processes. Advances such as artificial intelligence, blockchain, machine learning,…
While both the non-normalised economic environment, characterized by hyper-inflation and huge currency depreciation, is no innocent by-stander to the spectacular failure of the retirement savings system, it is not the…
We have received an overwhelming level of engagement on our April Issue where we focused on the importance of the Investment Policy Statement (IPS). Subsequently, we have been requested to…
The contentious issue surrounding infrastructure development investing for pension funds is the question – is it the role of the private sector, pension funds in particular, to develop infrastructure? Is…
In recent years active investment management has come under more scrutiny than ever before. The reason is clear – of late, most active managers, particularly those focused on large-cap stocks,…
After years of relentless advocacy by the investment management community for the enactment of required legislation, finally there is now in place the regulatory framework that governs the creation of…
The IMF puts our informal sector contribution to GDP, based on 2010-2014 surveys, at a staggering 50%. Fast forward that to post-COVID-19-induced lockdowns and ensuant company closures, a strong case…
While almost every pension fund has one, not every fund is consistently and loyally abiding by the provisions of their Investment Policy Statement (IPS). It’s certainly no news to most…
With one of the world’s highest unemployment levels, an ultra-expensive financial services sector, an SMEs-driven economy, and a significant informal sector, the Zimbabwean pension fund industry is most perfectly placed…
In this second and final part of our two-part series on the topic, we explore the long array of quick fixes that have been rolled out to address the shortcomings,…
STATE OF THE PENSION FUND INDUSTRY: ZIMBABWE GANDY GANDIDZANWA & ITAI MUKADIRA An accidental discovery of a loophole in a piece of legislation of one of the world’s most robust…
MARKET INSIGHTS DOCUMENT
October 2021
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