The retirement industry markets many options and alternatives. Little regard is paid to your retirement goal and the optimal investment strategy that will take you there. Its focus is on finding different ways to manage your money.

The destination and the optimal savings route are not defined

Investors and trustees, acting on behalf of the individual member, are encouraged to consult experts, to ask for direction on a regular basis. The industry supports many advisors who will gladly review your options and propose changes to pre-empt the anticipated volatility in economic and financial variables.

Most investors don't know how their fund is performing

Unfortunately, through-out this life-long paper chase, most retirement fund members have no idea how their investment is performing, what expenses they are incurring and most importantly, whether their plan is on track to allow them to retire with adequate financial resources.

Ignorance does not lead to bliss

The sad reality is that most retirement fund members retire with inadequate financial means. It is estimated that 94% of South Africans cannot afford to retire and more than half the contributing members start off with a pension that does not even constitute 28% of their final salary ^[1].