• RFS Home
  • About us
    • Our vision and mission
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    • RFS turns 21
  • RFS Governance
    • Compliance
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    • Internal audit
  • Trustee support
    • Trustee document downloads
    • 7 ways RFS supports trustees
    • RFS safety net
    • Fund strategy
    • Pension fund governance and generic investment policy
    • Important trustee documentation
    • The essence of the administrator’s job
    • How to handle fund disputes
    • Fund focus on the group or member?
    • Professional indemnity cover and policy terms
    • Counter party risks
    • Does FIA require trustees to register with FIC?
    • Employers on boards of trustees
    • Rotation of service providers
    • Corporate governance and managing trustee expenses
    • VAT and services provided to a fund
    • What should a trustee’s term of office be?
  • Articles
    • Unlisted investments via unit trusts
    • 2014 Sanlam benchmark Survey 1
    • 2014 Sanlam benchmark survey 2
    • Payment of unclaimed benefits to the Master of the High Court
    • Unlisted investments - proceed with caution
    • Regulation 28 and 29
    • African Cup of Investments Conference 2013 Part 1
    • Africa Cup of Investments Conference 2013 Part 2
    • Africa Cup of Investments Conference 2013 Part 3
    • Africa Cup of Investments Conference 2013 Part 4
    • Africa Cup of Investments Conference 2013 Part 5
    • Investment in foreign unit trusts
    • What is your performance benchmark?
    • Unclaimed benefits – a dilemma for trustees
    • Should you rotate your service providers on a regular basis?
    • What is a service worth to you? Part 1
    • What is a service worth to you? Part 2
    • Billion dollar milestones for RFS and Benchmark
    • Dismissal – a major risk for the employer
    • Pension or provident fund, lump sums or pensions - where to from here?
    • Amendments of the Labour Act
    • Has the pensions industry been led astray by its advisers?
    • 2011 Market Trends
    • Act 15 of 2011: what to do
    • Income Tax Amendment Act, Act 15 of 2011
    • African Cup of Investments Conference 2011
    • Aims of the retirement fund
    • How to invest in uncertain times
    • The salary replacement ratio
    • Preferred risk vs required risk
    • Pitfalls of purchasing a pension
    • Stress testing the life stage model
    • Good for the group or good for the member?
    • Absence from work
    • Staff absence and conditions of employment
    • The fund and maternity leave
    • Additional voluntary contributions
    • The Master of the High Court
    • Administration of deceased estates
    • Foreign domiciled funds
    • Housing loans for property outside Namibia
    • Changes to the SA Estate Duty Act
    • Namfisa issues revised draft amendments to regulation 1, 26, 27, 28 and 29
    • Namfisa Reporting August 2013
    • Can retirement capital be transferred from a retirement annuity to a pension fund at retirement?
    • RFS supports Okanti Foundation
    • Selecting asset managers to diversify risk
    • RFS 15th anniversary speech
    • 15 years of RFS
    • RFS 15th anniversary client satisfaction survey
    • Pension Funds Act amended with regard to housing loans
    • Service or product provider due diligence and SPVs
    • The implication of remuneration packages for employees well-being
    • National priorities and legislation are not ‘in synch’
    • The conundrum of ‘tied’ versus ‘untied’ annuities
    • Payment of death benefits into a testamentary trust
    • 2015-03 draft industry standards
    • Regulations 1 to 7 under Part I of the Pension Funds Act Repealed
    • Comment: Anger rising in the pensions industry
    • Retirement Fund Solutions announces staff trust
    • Thought leaders or just another product?
    • Housing loans and tax on death benefits from a pension fund
    • Child Care and Protection Act promulgated
    • What your pension fund should aim to achieve 1
    • What your pension fund should aim to achieve 2
    • Pension backed housing loans are risky business
    • Can a pension fund benefit be paid into a jointly held bank account or to the former employer?
    • Commutation of annuities – the subtle difference between a pension and a pension preservation fund
    • Where do SPVs invest?
    • Why should pension funds offer dread disease?
    • Attachment of pension penefits
    • Education Policies and the Income Tax Act
    • The risk of a member-owned annuity
    • Lump sum benefits upon death of a pensioner
    • The principal officer - a need for demarcating boundaries
    • Employer-funded insurance policies
    • Fund governance - do you benchmark your management costs?
    • Accelerated payment of remaining capital and Income Tax practice note 1 of 1998
    • Can a church be nominated as beneficiary?
    • Can a member in with a disability income choose to resign or retire?
    • Do you need a smooth growth portfolio
    • Who qualifies as a beneficiary to your death benefit
    • Is RFS inflexible and arrogant?
    • Do your fund rules provide for maternity leave?
    • Can you deduct the employee’s debt to the employer with his permission?
    • 2016 Year Review
    • Non-standard service fees – is this principle in your fund’s interest?
    • How do you manage compliance with regulation 28 in the interests of your members?
    • Proposed NAMFISA levies 2017
    • Our sorry state of financial literacy
    • Be in touch with members of your fund
    • Do you know what the administrator tendered for?
    • Tax implications of a pension fund benefit due to an estate
    • Can a fund member receive more than one disability benefit from different policies?
    • A pension fund death benefit due to an estate need not be an annuity
    • RFS marks its 18th anniversary
    • What should trustees do if the rules provide for different benefits?
    • Competition Commission to investigate retirement funds industry
    • NAMFISA out to promote competition in the retirement funds industry
    • The Income Tax Act – time to change
    • Ever heard of the ‘comfort in a service provider’ risk?
    • Is the state old age grant / pension taxable?
    • Death benefits – does it make sense to remove it from the fund’s rules?
    • Can a provident fund also offer annuities or pensions?
    • Can a death benefit be paid in instalments?
    • Are Social Security benefits taxable?
    • Other income can result in tax surprises for pensioners
    • Can staff of an employer participate in different funds?
    • Section 14 transfers and unclaimed benefits
    • What should trustees do if the rules provide for alternative benefits
    • RFS takes Diamond Arrow in 2019 PMR Awards
    • RFS rewards top performers at Namcol
    • RFS 20th anniversary
    • Death benefits and intestate succession
    • Housing loans where property is owned by more than one person
    • Should you allow a disabled member to go on early retirement?
    • RFS wins PMR 2020 Diamond Arrow
    • Promulgation of the Electronic Transactions Act
    • Benchmark and RFS Stage 2 Arrangements
    • Kristof Lerch passes CFP board exams
  • Legislation
    • Prevention of Organised Crime Act
    • Income Tax Amendment, Act 15 of 2011
    • Financial Intelligence Act
    • Regulations 1 to 7 under Part I of the Pension Funds Act Repealed
  • Namfisa
    • Namfisa fund forms
    • Namfisa documents
    • 2015-03 draft industry standards
  • Sind Sie fit für die Rente?
  • What your retirement fund should aim to achieve
  • Planning your retirement
  • Contact us
  • Disclaimer
  • Can your children share in your annuity?
  • Service provider rotation – an ill-considered notion!
  • Marthinuz Fabianus succeeds Tilman Friedrich as MD
  • Age of majority – the Child Care and Protection Act vs the Administration of Estates Act
  • Can your employees deduct voluntary contributions to the fund?