WELCOME TO MCUBED GROUP

Building a Secure Tomorrow If you run a business in South Africa, a workplace retirement fund can play a bigger role in employee retention than you might expect. You already know the cost of losing a good person: the advert, the agency fee, the months of lost momentum while someone new finds their feet. What is easier to miss is how often that loss traces back to something you never discussed at the interview: what happens to your employees' money after they stop working. A workplace retirement fund is one of the few benefits that works in both directions at once. It gives your people a future they [...]

Debt is the Ultimate Pothole Life's highway is rarely smooth. Along the way, we all hit unexpected bumps — a sudden medical emergency, mounting credit card debt, unsecured loans, or unexpected living expenses. These personal problems act like deep, destructive potholes on the road to financial security, but using your retirement fund to fix them is not the answer. When cash gets tight, it is easy to view your retirement savings pot as a convenient repair kit to patch over these crises. However, there is a crucial rule every member must keep in mind: pension funds should not be fixing potholes. The Danger of Personal Potholes Financial pressures [...]

The money you access today could be the wealth you miss tomorrow Changing jobs often marks the beginning of an exciting new chapter. It brings fresh opportunities, career growth, and the possibility of improved financial prospects. However, amidst the excitement of a new role, many employees and members of South African retirement funds are faced with a critical financial decision: whether to preserve their retirement savings or cash them out. For many, accessing retirement funds may seem like a practical solution to immediate financial needs. Paying off debt, funding major expenses, or simply enjoying the extra cash can be tempting. However, what appears to be a short-term financial [...]