Beyond DB and DC: Rethinking the Future of Retirement
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Ultimately, the success of a retirement system is not about how sophisticated it looks on paper. It is about whether people can reach retirement with dignity and have a sustainable income for the years that follow.
In this episode of the Beyond Tomorrow podcast, Head of Communications, Seema Ramnarain, is joined by Sonja Saunderson, EPPF’s Chief Investment Officer, to explore what it would take to design a retirement system around that outcome. The conversation examines how retirement risks are allocated, which risks individuals should carry, and where sharing risks collectively may create more value.
A key part of the discussion is collective defined contribution (CDC). This approach could offer a different way of thinking about retirement design, combining individual contributions with greater collective risk-sharing. Sonja also considers the practical questions this raises for South Africa, including how to give members meaningful flexibility without adding unnecessary complexity or risk.
Listen to the conversation as we continue looking Beyond Tomorrow.
In this episode of the Beyond Tomorrow podcast, Head of Communications, Seema Ramnarain, is joined by Sonja Saunderson, EPPF’s Chief Investment Officer, to explore what it would take to design a retirement system around that outcome. The conversation examines how retirement risks are allocated, which risks individuals should carry, and where sharing risks collectively may create more value.
A key part of the discussion is collective defined contribution (CDC). This approach could offer a different way of thinking about retirement design, combining individual contributions with greater collective risk-sharing. Sonja also considers the practical questions this raises for South Africa, including how to give members meaningful flexibility without adding unnecessary complexity or risk.
Listen to the conversation as we continue looking Beyond Tomorrow.
