What's Next presented by Old Mutual Corporate - Marvin Nair on investment strategies

South Africa’s two-pot retirement system has changed how members engage with retirement savings, but withdrawal timing can have major long-term consequences. Marvin Nair, Old Mutual Corporate Investment Solutions Executive, explains how greater access to the savings pot is reshaping retirement investment strategy. He discusses why sequence-of-return risk matters when members withdraw during market downturns, and how selling assets at depressed prices can permanently reduce participation in a later recovery. The conversation examines modelling around the March 2026 market decline, when withdrawals coincided with weaker markets and financial pressure on South African households. Nair explains how investment solutions designed to manage volatility can help protect retirement outcomes when timing works against investors. He also shares practical guidance for younger savers, including the value of starting early, contributing consistently, preserving retirement capital, and considering investment solutions that can manage risk before and after retirement. The discussion also highlights why retirement is not the end of the investment journey, as living annuities and post-retirement withdrawals introduce similar timing risks. 0:00 Intro 0:35 Lessons from the two-pot retirement system 3:03 How flexibility changes retirement investing 5:28 Why withdrawal timing matters 8:22 March 2026 market downturn example 12:56 Designing investments for volatility 15:00 Retirement advice for younger South Africans Follow MyBroadband: X - https://twitter.com/mybroadband Facebook - https://www.facebook.com/mybroadband Instagram - https://www.instagram.com/mybroadband/ Website - https://mybroadband.co.za/news/ #TwoPotSystem #RetirementPlanning #OldMutualCorporate