Member Newsletter
Quarter 4 • 2025
Dear Member
This quarter’s newsletter brings you useful information to support your financial wellbeing as the year comes to an end. We start with practical tips on how to avoid getting into extra debt this festive season, when many people feel pressured to spend more than they can afford.
We show you how saving even small amounts each month can make a meaningful difference. This is because compound interest turns these small amounts into long-term growth. We also include an easy-to-understand explanation of how divorce can affect your retirement savings.
Our market update provides a clear picture of recent trends and how the Fund continues to manage your investments for you, focusing on the long term. You will also find a reminder of the benefits of using AF Connect to stay informed and in control. If you have not joined, join now.
Through it all, the message is simple: stay informed, take small steps, and keep your long-term future in focus. Have a joyous festive season!
AVOID ADDING TO YOUR DEBT THIS FESTIVE SEASON
The festive season is the time of year when many members and beneficiaries spend more than they planned, and end up starting the new year with more debt.
Simple ways to avoid more debt
- Set a spending limit and stick to it. Decide what you can afford before December starts.
- Avoid buying on credit. Don’t spend money you don’t already have.
- Do not use store accounts. They have high interest rates and add to your debt.
- Keep gifts simple. A thoughtful gift means much more than a costly one.
- Plan for January. You will still have bills to pay in January. Put money aside now.
Small steps to pay off debt in 2026
- Pay back the highest-interest debt first. Store cards, credit cards and quick loans cost the most.
- Pay a little extra whenever you can. Even small amounts help reduce interest.
- Do not skip payments. Missing just one payment makes the problem bigger.
- Avoid borrowing more to settle other debts.
- Celebrate small wins. Every payment brings you closer to financial freedom.