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T-day (1 March 2015) is the day that the government’s retirement reforms will be implemented. There are a number of changes that will occur from this day onwards. These changes and requirements have a significant impact on the administration of the Sanlam Umbrella Fund. We are in the process of updating our administration systems, forms and procedures to be able to comply with the new requirements on T-Day. This topic is going to be covered extensively at the Fund’s Annual General Meeting on 8 October 2014 (Cape Town) and 9 October 2014 (Gauteng). The trustees and the Sponsor will be using the AGM as an opportunity to share the Fund’s and administration system’s readiness for T-day with all stakeholders. The trustees invite all intermediaries and participating employers to send questions to them prior to the AGM and they will then endeavour to answer as many of these questions as possible. It is, therefore, highly recommended that you attend the AGM in your area. Read all previous T-day communication.