Welcome to the Winter edition of InTouch, which provides you with news from our CEO, insights on investment markets, performance updates on the MPowered range and educational material.

This quarter’s edition includes:

1. Colin’s inbox – post-retirement health care costs
2. Market review
3. Performance review
4. Compulsory range – Distributions
5. Voluntary range
6. Education centre:
   • Contributing towards your retirement fund(s) – contributing more than what is allowed for income tax deduction
   • Retrenchment

We hope you find relevant insights in the Winter Edition of Morebo InTouch.