“SA’s record unemployment rate surges to the highest in the world”, was a sobering headline published this week. A flawed education system and rigid labour laws are some of the factors that have been put forward to explain the unemployment powder keg that has developed.

According to most analysts, the blame and answer lie solely with the government. But we also need to consider the contribution of other roleplayers, specifically the retirement fund industry, and the role they can play...

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