RFS HomeAbout us Our vision and missionOur valuesKey individualsSocial responsibilityServicesRFS turns 21RFS Governance ComplianceRisk managementInternal auditTrustee support Trustee document downloads7 ways RFS supports trusteesRFS safety netFund strategyPension fund governance and generic investment policyImportant trustee documentation Generic investment policyBoard assessment sheetGeneric trustee code of conductGeneric conflict-of-interest policyGeneric risk management policyService provider self-assessmentGeneric communication policyGeneric unclaimed benefits policyCode of ethics policyTrustee term of officePrivacy policyRegistered service providersThe essence of the administrator’s jobHow to handle fund disputesFund focus on the group or member?Professional indemnity cover and policy termsCounter party risksDoes FIA require trustees to register with FIC?Employers on boards of trusteesRotation of service providersCorporate governance and managing trustee expensesVAT and services provided to a fundWhat should a trustee’s term of office be?Articles Unlisted investments via unit trusts2014 Sanlam benchmark Survey 12014 Sanlam benchmark survey 2Payment of unclaimed benefits to the Master of the High CourtUnlisted investments - proceed with cautionRegulation 28 and 29African Cup of Investments Conference 2013 Part 1Africa Cup of Investments Conference 2013 Part 2Africa Cup of Investments Conference 2013 Part 3Africa Cup of Investments Conference 2013 Part 4Africa Cup of Investments Conference 2013 Part 5Investment in foreign unit trustsWhat is your performance benchmark?Unclaimed benefits – a dilemma for trusteesShould you rotate your service providers on a regular basis?What is a service worth to you? Part 1What is a service worth to you? Part 2Billion dollar milestones for RFS and BenchmarkDismissal – a major risk for the employerPension or provident fund, lump sums or pensions - where to from here?Amendments of the Labour ActHas the pensions industry been led astray by its advisers?2011 Market TrendsAct 15 of 2011: what to doIncome Tax Amendment Act, Act 15 of 2011African Cup of Investments Conference 2011Aims of the retirement fundHow to invest in uncertain timesThe salary replacement ratioPreferred risk vs required riskPitfalls of purchasing a pensionStress testing the life stage modelGood for the group or good for the member?Absence from workStaff absence and conditions of employmentThe fund and maternity leaveAdditional voluntary contributionsThe Master of the High CourtAdministration of deceased estatesForeign domiciled fundsHousing loans for property outside NamibiaChanges to the SA Estate Duty ActNamfisa issues revised draft amendments to regulation 1, 26, 27, 28 and 29Namfisa Reporting August 2013Can retirement capital be transferred from a retirement annuity to a pension fund at retirement?RFS supports Okanti FoundationSelecting asset managers to diversify riskRFS 15th anniversary speech15 years of RFSRFS 15th anniversary client satisfaction surveyPension Funds Act amended with regard to housing loansService or product provider due diligence and SPVsThe implication of remuneration packages for employees well-beingNational priorities and legislation are not ‘in synch’The conundrum of ‘tied’ versus ‘untied’ annuitiesPayment of death benefits into a testamentary trust2015-03 draft industry standardsRegulations 1 to 7 under Part I of the Pension Funds Act RepealedComment: Anger rising in the pensions industryRetirement Fund Solutions announces staff trustThought leaders or just another product?Housing loans and tax on death benefits from a pension fundChild Care and Protection Act promulgatedWhat your pension fund should aim to achieve 1What your pension fund should aim to achieve 2Pension backed housing loans are risky businessCan 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 fundWhere do SPVs invest?Why should pension funds offer dread disease?Attachment of pension penefitsEducation Policies and the Income Tax ActThe risk of a member-owned annuityLump sum benefits upon death of a pensionerThe principal officer - a need for demarcating boundariesEmployer-funded insurance policiesFund governance - do you benchmark your management costs?Accelerated payment of remaining capital and Income Tax practice note 1 of 1998Can 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 portfolioWho qualifies as a beneficiary to your death benefitIs 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 ReviewNon-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 2017Our sorry state of financial literacyBe in touch with members of your fundDo you know what the administrator tendered for?Tax implications of a pension fund benefit due to an estateCan 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 annuityRFS marks its 18th anniversaryWhat should trustees do if the rules provide for different benefits?Competition Commission to investigate retirement funds industryNAMFISA out to promote competition in the retirement funds industryThe Income Tax Act – time to changeEver 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 pensionersCan staff of an employer participate in different funds?Section 14 transfers and unclaimed benefitsWhat should trustees do if the rules provide for alternative benefitsRFS takes Diamond Arrow in 2019 PMR AwardsRFS rewards top performers at NamcolRFS 20th anniversaryDeath benefits and intestate successionHousing loans where property is owned by more than one personShould you allow a disabled member to go on early retirement?RFS wins PMR 2020 Diamond ArrowPromulgation of the Electronic Transactions ActBenchmark and RFS Stage 2 ArrangementsKristof Lerch passes CFP board exams Legislation Prevention of Organised Crime ActIncome Tax Amendment, Act 15 of 2011Financial Intelligence ActRegulations 1 to 7 under Part I of the Pension Funds Act RepealedNamfisa Namfisa fund formsNamfisa documents2015-03 draft industry standardsSind Sie fit für die Rente?What your retirement fund should aim to achievePlanning your retirementContact usDisclaimerCan your children share in your annuity?Service provider rotation – an ill-considered notion!Marthinuz Fabianus succeeds Tilman Friedrich as MDAge of majority – the Child Care and Protection Act vs the Administration of Estates ActCan your employees deduct voluntary contributions to the fund?