Chartered Employee Benefits

27/08/2026

Medical scheme members are facing growing cost pressures as healthcare utilisation rises, the population ages and out-of-pocket expenses increase.

At the same time, South Africa’s healthcare system is evolving, with PMB reform, Primary Healthcare, Low-Cost Benefit Options and NHI shaping the future of healthcare funding.

The challenge? Balancing affordability, access and long-term sustainability.

Read our latest article, written by Senior Healthcare Consultant Layne Govender, to explore what these changes could mean for medical schemes and their members ➡️ https://charteredeb.co.za/.../south-african-healthcare.../

23/07/2026

The retirement and investment landscape continues to evolve. From retirement reform and tax updates to regulatory change, market volatility and geopolitical uncertainty, the first half of 2026 has reinforced the importance of preservation, governance and portfolio resilience.

Read our latest article, written by our Director, Andrew Craze. 📈 https://charteredeb.co.za/2026/07/significant-retirement-risk-and-investment-developments/

The first half of 2026 was characterised by continued retirement reform implementation, evolving financial sector regulation, changing investment market conditions and a heightened focus on sustainability and risk management.For retirement funds, insurers, asset managers and institutional investors,...

24/06/2026

Teaching children about money isn't just about teaching them to save - it's about helping them build confidence, make informed decisions, and develop healthy financial habits that will serve them for life.

This Youth Month, our latest newsletter explores why financial literacy is one of the greatest gifts we can give the next generation, and shares practical ways parents can make money conversations part of everyday life.

The conversations you have today could shape your child's financial future. Read the article here: https://charteredeb.co.za/2026/06/youth-month-spotlight/

Written by Retirement Fund Consultant, Chantal Arends.

As South Africa marks Youth Month, families are urged to treat financial literacy as an essential life skill, amid growing concern that many young people enter adulthood without the confidence or knowledge to manage their finances effectively. Financial literacy, commonly defined as the ability to u...

29/05/2026

💰 South Africa’s Two-Pot retirement system is already changing the future of retirement savings, and the results may be more positive than many expected.

Despite early fears that South Africans would rapidly cash out their pensions, new data shows the system is helping more people preserve wealth for retirement while still providing access to emergency savings when needed.

From improving replacement ratios to potentially growing national retirement assets to over R200 trillion, the two-pot framework could become one of the country’s most important long-term financial reforms.

Read more about how the system is reshaping retirement outcomes for South Africans: https://charteredeb.co.za/2026/05/two-pot-system-reshaping-retirement/

Written by Senior Retirement Fund Consultant, John Chikoki.

When South Africa launched its two-pot retirement framework in September 2024, media reports predicted a financial disaster, warning that struggling citizens would rapidly drain their savings. However, early industry data suggests a far more optimistic reality. According to Guy Chennells, Chief Comm...

09/04/2026

From childhood memories of fuel shortages to present-day price hikes, one thing hasn’t changed - South Africa remains deeply exposed to global oil dynamics.

While a temporary ceasefire offers some relief, the bigger question remains: how do we build long-term resilience in an oil-dependent economy?

Managing Director, Trevor Taylor, explores the economic importance of “black gold” and what it means for SA’s future 👉🏽 https://charteredeb.co.za/2026/04/the-economic-importance-of-black-gold/

One of my earliest childhood memories is being bundled into the back of my mom’s white Volkswagen Beetle with my brother as we set out to the local garage to get some fuel. There was no fuel available, and we had to try a few locations before my mom pulled out her wallet and paid […]

30/03/2026

🇿🇦 South Africa’s healthcare sector continues to evolve…
Policy reform, tighter regulation, and rising expectations around access, equity, and sustainability are reshaping the sector.

Senior Healthcare Consultant, Simphiwe Mofokeng, unpacks the latest developments - from NHI progress to changes in governance and innovation within medical schemes.

While there are encouraging strides forward, key areas still require ongoing focus to ensure a more inclusive and sustainable healthcare future.

Read more here 👉🏽 https://charteredeb.co.za/2026/03/key-developments-influencing-south-africas-healthcare-landscape/

South Africa’s healthcare sector continues to evolve within a complex mix of policy reform, regulatory scrutiny, and shifting expectations around access, equity, and sustainability. Recent developments across the National Health Insurance (NHI), regulatory governance, and medical scheme innovation...

06/03/2026

19/02/2026

While tax is often seen as a burden, the retirement fund framework offers powerful opportunities to reduce your current tax liability - while building long-term financial security.

In this article, Senior Retirement Fund Consultant, Raschin Naidoo, explains how retirement planning isn’t just about the future, it’s one of the most effective tax planning tools available today.

Consider the following → Read more https://charteredeb.co.za/2026/02/effective-tax-planning-retirement-fund-contributions/

With the start of a new tax year, retirement contribution planning deserves renewed attention. While tax is often viewed negatively, the retirement fund framework offers structured opportunities to reduce current tax liability while strengthening future financial security. Contributions to Approved....

27/01/2026

In a world built for speed and efficiency, it is still human attentiveness that leaves the strongest impression.

In this article, Director & Head of Healthcare and Wellness Benefits, Paramesh Dayaram, explores Unreasonable Hospitality as a mindset - not about service, but about intentionality, presence, and care in everyday interactions.

A thoughtful way to begin the year. → Read more https://charteredeb.co.za/2026/01/unreasonable-hospitality-a-mindset-for-the-year-ahead/

With some distance from the year just passed, we begin to refine not only what we want to achieve, but how we want to show up along the way. Beyond goals and plans, there is a quieter consideration: how do people experience us? During the holiday period, stepping away from the usual pace highlighted...