Newsletter • Quarter 3 • 2026
Diversification in a Changing World
No one can predict which country, industry or company will perform best in the future. To manage these uncertainties, the Fund follows a diversified investment strategy.
This means your retirement savings are spread across different investments in South Africa and around the world, helping to manage risk and provide access to growth opportunities.
The Fund invests across:
- Both South African and international markets.
- A variety of industries and companies.
- A combination of investments that offer growth opportunities and more defensive investments that reduce risk.
- Offshore investments that help reduce reliance on the South African economy.
The Fund manages diversification for you
You do not need to decide how your retirement savings should be invested. The Fund follows a diversified investment strategy, with your long-term retirement needs in mind. This approach helps the Fund navigate changing market conditions while pursuing long-term growth for you.
Stay focused on the long term
Global events will always create periods of uncertainty in financial markets. You do not need to react every time the markets change. The key is to remain focused on your long-term goals and continue saving regularly.
Patience and discipline.
Two important contributors to retirement success.