1. Wagieda Suliman how we compile the research

3. data - 1981 to 2013 holistic view optimal employee benefit structural design expanded design framework representative – sample web app designed for easy access

4. provide definitive view - state of the retirement fund landscape. impact of retirement reform process on employers Sanlam Employee Benefit’s response to retirement reform papers unpack the member’s circle of influence unpack post retirement process

5. Stand-alone 100 Principal Officers sample reduced from 200 to 100 shift to umbrella funds trend continues Umbrella funds 100 participating employers

6. Pensioners retained sample as previous years 251 pensioners face-to-face interview Member sample 500 active members employer sponsored schemes retirement annuity members sub-set young employees

7. 2010 2011 2012 2013 Minister of Pensions Behavioural Finance Savings Heroes Day One