Divorce and your retirement savings
Divorce and your retirement savings

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Investment Indicators | 29 March 2021
IN THIS WEEK's ISSUE
Rates Review
Investment Rates
Money Market Funds
Top 3 Rates
From the Crow's Nest
Your Practice Made Perfect
Important changes to Top 3 Rates in Moonstone Investment Indicators
Long-term insurance complaints - What does the Ombud require from insurers?
Countdown to POPIA compliance
CPD requirements - Deadline approaching
Regulatory Examinations
Prepping for your RE Exam? - Download the latest version of the Prep Guide
Schedules for 2021
Careers Platform
Our platform contains a comprehensive list of opportunities for those considering a career in the financial services industry
Featured positions
In Lighter Wyn
"The more that you read, the more things you will know.
The more that you learn, the more places you'll go."
- DR. SEUSS
ADVERTORIAL
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How a fund member retires has changed forever...

Legislated in-fund preservation, default annuities and portfolios has broken the compulsion for a fund member to ever leave their fund. Talking to these members, whilst giving sensible counselling - and then professional advice at competitive pricing - requires a financial technology platform of substance.

Benefit consultants, administrators and financial advisors associated with retirement funds will benefit from Altertude, GTC's integrated end-to-end programme providing retirement fund members with all interventions needed in a holistic financial plan.

Contact our CEO Gary Mockler, gmockler@gtc.co.za as to how GTC can assist in growing your business.

Visit our website at www.gtc.co.za.
RATES REVIEW
Secured Investment Rate
Please note that (G) indicates a Guaranteed and (L) a Linked product. In order to understand the difference between guaranteed and linked rates, kindly click here for an explanation.
R1 000 000 (3% commission)
Company This week Last week
Clientéle Life (G 5.450% 5.350%
ABSA (L) 5.393% 5.372%
Assupol (G) 5.341% 5.308%
R1 000 000 (1.5% commission)
Company This week Last week
OUTvest (L) 6.200% 6.000%
Clientéle Life (G) 5.770% 5.670%
Momentum (L) 5.760% 5.570%
Money Market Funds
R100 000
Company This week Last week
Cadiz 4.470% 4.450%
Allan Gray 4.150% 4.200%
Coronation 3.990% 3.430%
Please bear in mind that our figures, though based on the actual quotations that you also use, are for information purposes only, and can never replace the official quotation from the product house. In terms of the guarantees, you are requested to clarify the exact extent of such guarantees with the product house prior to advising clients.
ADVERTORIAL
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Service and engagement Medihelp's commitment to advisers

Assisting your clients in choosing an affordable medical aid that meets their needs, requires a solid support system.

At Medihelp we follow through on our commitment to advisers by providing you with active support and access to information, including:
Digital brochures with click-through functionalities and product videos;
Electronic application forms and digital tracking of membership applications, which eliminates paperwork, saves time and keeps you and your clients in the loop with emails and SMSs;
The Adviser Toolbox, an online service platform where you can upload and submit documents, get the latest information and track processes;
The adviser app, which gives you mobile access to all your Medihelp business; and
Dedicated adviser consultants, an online chat functionality and the adviser call centre to assist you.
The results of the 2020 South African Customer Satisfaction Index (SA-csi) show that Medihelp is an industry leader across all metrics of quality service delivery, with members rating us the best choice for fair treatment, clear communication and excellent service.
FROM THE CROW'S NEST
Divorce and your retirement savings
Divorce is a traumatic and life-altering experience. More and more reports are showing a spike in the divorce rate. What are the implications of such a decision on a couple’s financial affairs?
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YOUR PRACTICE MADE PERFECT
Important changes to Top 3 Rates in Moonstone Investment Indicators
We adjusted our Top 3 rates by not only publishing the 3% commission rate, but also the 1.5% rate, which allows advisers to show clients the positive impact of their “commission sacrifice”.
YP1 read button
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YOUR PRACTICE MADE PERFECT
Long-term insurance complaints - What does the Ombud require from insurers?
The Ombud recently provided a list of the minimum substantiating documents required from insurers when responding to a complaint. This can be of value to advisers when assisting clients.
YP2 read button
Fit and Proper Manager
YOUR PRACTICE MADE PERFECT
Countdown to POPIA compliance
With less than 100 days to the deadline for public and private bodies to ensure that the processing of personal information conforms to the Protection of Personal Information Act (POPIA), the Information Regulator (IR) announced the prioritisation of certain processes in preparation for the full implementation and enforcement of POPIA on 1 July 2021.
YP3 read button
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YOUR PRACTICE MADE PERFECT
CPD requirements - Deadline approaching
The deadline for CPD compliance is in less than 70 days on 31 May 2021. Here are some possible solutions if you have not yet crossed the CPD finishing line.
YP4 read button
Career opportunities
CAREERS PLATFORM
Featured Position
FAIS Compliance Officer: Moonstone Compliance. Moonstone Compliance is looking for an approved Compliance Officer. Duties will include risk identification and management, strategic and operational commentary, monitoring and administrative support functions to mitigate the risk of non-compliance with legislation and regulations. A non-negotiable requirement for this position is being an approved Category I Compliance Officer with the Financial Sector Conduct Authority with no supervision requirements.
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Wealth Managers: GTC national offices. GTC, one of South Africa’s leading advisory practices (formerly Grant Thornton Capital), has several vacancies for wealth managers. As a consequence of the counselling requirements of Section 36 of the Pension Funds Act, GTC is required to provide financial advice to numerous members on an ongoing basis. GTC seeks wealth managers to fulfil this advisory role. These positions are in each of the GTC offices around the country and accommodate financial planners with varying degrees of experience and expertise.
Read more
Commercial Accounts Executive: Constellation Financial Services, Johannesburg. We are a young, dynamic, independent short-term insurance brokerage based in Johannesburg looking for experienced commercial sales professionals. If you are passionate, hardworking, and driven to succeed, you’re just what we are looking for. We require a minimum of 5 years short-term commercial insurance experience with 2 years commercial insurance sales and marketing experience.
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POPIA Specialist: Moonstone Compliance, Stellenbosch. We have a position for a POPIA Specialist. The successful candidate will be appointed as a specialist regarding regulatory compliance and risk management as it pertains to the POPI Act. They will be responsible for the development of a POPIA regulatory compliance service offering, and the building and maintenance of our POPIA client base.
Read more
Student Acquisitions Administrator:Moonstone Business School of Excellence (MBSE), Stellenbosch. We are looking for a candidate who will be responsible for implementing the MBSE Sales Strategy for inbound sales activities, establish contact, develop, and maintain relationships. To qualify for this position you will need a Grade 12 certificate, Call Centre or tele service experience and must have the ability to interact with clients and communicate effectively.
Read more
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IN LIGHTER WYN
Never underestimate a woman

Husband’s Message (by cellphone):

Honey, a car hit me as I walked out of the office. Paula brought me to the Hospital.
They have been doing tests and taking X-rays.

The blow to my head was very strong, fortunately it seems that it did not cause any serious injury, but I have three broken ribs, a compound fracture in the left leg, and they may have to amputate the right foot.

Wife’s Response:

Who is Paula?



A Matter of Punctuation...

An English professor wrote the words,

"Woman without her man is nothing" on the blackboard and directed his students to punctuate it correctly.

The men wrote: "Woman, without her man, is nothing."

The women wrote: "Woman! Without her, man is nothing."

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