This website contains valuable educational content that guides members’ decisions through a sequence of steps. A variety of calculators and other useful tools are also available.

Many members benefit from the opportunity to speak to a counsellor about their options on withdrawal or retirement from the fund. This component satisfies the requirements of the default regulations.

Retirement Benefits Counsellors contact and counsel members on certain events as determined by the trustees, for example:

• New members joining the fund
• Members leaving employment
• Members approaching retirement
• Members with low replacement ratios
• Members invested inappropriately

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Members who require individual financial advice can be assisted telephonically by a Retirement Benefits Adviser employed by Sanlam Corporate. These are salaried advisers which avoid conflict of interest. The Retirement Benefits Adviser focuses on products offered by the fund to its members in terms of the default regulations. Fees are lower than for traditional alternatives.

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With the consent of the trustees, members who require traditional face-to-face financial advice could be referred to financial advisers. These advisers will be in a position to advise members on a wide range of products on the market.

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