Learning
Advising on Employee Benefits
An outline of questions consultants and benefits-HR can table with a board. It teaches the vocabulary of fees, fact sheets, and exits. It does not authorise advice.
Who it is for
Consultants and benefits-HR. This is industry education. It is not a FAIS advice manual, not a product list, and not a fund recommendation.
Modules
- Fee vocabulary. Shared labels so a conversation about cost does not slide into a ranking.
- Reading a fact sheet. A calm order for holdings, costs, performance, and risk call-outs.
- Fee bases over time. Rand, salary, and asset-based charges as trajectories, not today's quote.
- The exit pack. Questions to table before sign-off when a member changes jobs or countries.
Briefings in this outline
- Fee types — shared vocabulary
Shared labels for investment, admin, advice, and transaction costs.
- Reading fact sheets
A calm order for holdings, costs, performance, and risk call-outs.
- Fee structures that grow: rand, salary, and asset-based charges over time
Trajectory by recovery base — sequel to fee vocabulary and fee-drag, without invented averages.
- When members change jobs or countries: questions consultants should table before the exit pack
Industry pre-flight questions before exit-pack sign-off — Reg 38 paid-up defaults and current SARS rails.
- Two-pot withdrawal fees: questions for the board, not the press release
Scrutiny of savings-component withdrawal fees — survey observations, not a regulated tariff.
Legislation changes. This is an outline for education, not a full curriculum, a login, a CPD record, or a certificate. It is not FAIS advice and it does not rank products or funds. Read the official instrument and the fund's rules before a meeting.