# Personal Finance: You might have unclaimed money in a retirement fund or other investment

An episode of [Personal Finance with Warren Ingram](https://invisiblenetwork.ai/podcast/1075744322), 20 Oct 2026, 19 min.

Audio: https://traffic.omny.fm/d/clips/5dcefa8e-00a9-4595-8ce1-a4ab0080f142/1ecba37a-6d83-4ee9-a295-a57100b7f2df/895de7eb-fd54-4851-8c2a-b4e90128f53d/audio.mp3?utm_source=Podcast&in_playlist=8be69053-e7ba-4c54-87a1-a63a00c79838

Stephen Grootes speaks to Warren Ingram, Certified Financial Planner at Galileo Capital, about the billions of rands in unclaimed retirement benefits and investments belonging to South Africans. More than R50 billion in retirement funds remains unclaimed, with the figure approaching R90 billion when other investments and dormant bank accounts are included. From forgotten pension funds to benefits left behind after changing jobs, Ingram explains how South Africans can track down money owed to them, claim it for free and avoid falling victim to scams. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape. Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa Follow us on social media 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

## Transcript

[0:00] Speaker 1: The Money Show. Personal finance with Warren Ingram. 23 minutes
[0:05] Speaker 1: now to eight the time. A reminder, Warren Ingram is
[0:07] Speaker 1: a certified financial planner at Galileo Capital. Tonight, we're talking
[0:11] Speaker 1: about money that may actually belong to you, but has
[0:14] Speaker 1: been unclaimed. Could be in a retirement fund, could be
[0:18] Speaker 1: somewhere else. Warren, good evening. This is one of those
[0:20] Speaker 1: conversations everyone wants to have. We all think it might
[0:22] Speaker 1: be us. What kind of money are we talking about?
[0:27] Speaker 2: It could be someone's lucky day if they're listening to this, Stephen,
[0:29] Speaker 2: and they take action. The reason it's worth spending our
[0:34] Speaker 2: time on this is because it's really big money. So
[0:38] Speaker 2: just in retirement funds, so this would be RAs, pension funds,
[0:43] Speaker 2: provident funds, preservation funds, we're talking about a bit more
[0:47] Speaker 2: than 50 billion rand. And it's somewhere around 4.3 million
[0:53] Speaker 2: people are affected. So that's just the one side. The
[0:58] Speaker 2: other side would be things like dormant bank accounts, unit trusts,
[1:03] Speaker 2: life assurance policies, and that you're adding probably another 40 billion.
[1:09] Speaker 2: So we're getting to a total of around about 90
[1:11] Speaker 2: billion rands worth of unclaimed assets that belong to South
[1:15] Speaker 2: Africans that are sitting dormant and ready to be distributed
[1:20] Speaker 2: to the legal owners.
[1:22] Speaker 1: Just before we go any further, The people who are
[1:25] Speaker 1: controlling where this money is now, it must be in
[1:27] Speaker 1: a bank account somewhere. Does no one try and work
[1:31] Speaker 1: out who it belongs to?
[1:31] Speaker 2: They do. And certainly, you know, effort is made. I
[1:38] Speaker 2: think a lot of the critique is that maybe there
[1:40] Speaker 2: isn't enough effort made and more can be done. But,
[1:44] Speaker 2: you know, Stephen, if you go through processes like people
[1:48] Speaker 2: changing addresses frequently or cancelling cell phones without updating information,
[1:54] Speaker 2: getting married or remarried again, that very quickly the administration
[1:59] Speaker 2: involved here can get overwhelmed. So I think it's one
[2:03] Speaker 2: of those that people are doing something about it, and
[2:06] Speaker 2: it's a valid point to say they can do a
[2:08] Speaker 2: lot more. And then maybe just a real big lack
[2:13] Speaker 2: of awareness on the part of South African, the public,
[2:18] Speaker 2: I guess, that maybe we don't know about this.
[2:20] Speaker 1: Okay, your questions for Warren, don't forget. 011-883-0702-021-4460567. And of course,
[2:27] Speaker 1: voice notes on 072-702-1702. Okay, so the money can go
[2:32] Speaker 1: missing in all sorts of different ways. What are some
[2:35] Speaker 1: of the more common ways? So you might move house
[2:39] Speaker 1: and lose the paperwork, but where did the money go?
[2:42] Speaker 1: And I imagine part of this is when you change
[2:44] Speaker 1: jobs or something like that.
[2:46] Speaker 2: Yeah. So, so very often people, you know, especially if,
[2:50] Speaker 2: you know, if it was a bad, a bad breakup
[2:53] Speaker 2: with your employer, you know, you get fired or you
[2:56] Speaker 2: leave in a huff and, and then the HR department
[2:59] Speaker 2: are a bit slow and they send you the paperwork
[3:01] Speaker 2: two or three months later. And, and, you know, you're
[3:04] Speaker 2: trying to find a job or you're in your new
[3:06] Speaker 2: life and it's something you just, you know, you're going
[3:08] Speaker 2: to get to one day. And, and all of a sudden,
[3:11] Speaker 2: you know, years pass and, And so you've got this
[3:14] Speaker 2: retirement money sitting at your old employer and it's, you know,
[3:17] Speaker 2: in a retirement fund in your name, but kind of
[3:21] Speaker 2: trundling along. And it often happens with younger employees, you know,
[3:26] Speaker 2: people who were early in their career. So when they
[3:28] Speaker 2: were young in life and young in their jobs that
[3:31] Speaker 2: they moved and they thought, well, you know, it's like
[3:33] Speaker 2: three or four thousand rand, who cares? You know, it's
[3:36] Speaker 2: so little money I'm going to carry on. And 20,
[3:39] Speaker 2: 30 years later, it's compounded to a very meaningful amount.
[3:44] Speaker 2: So very often that will be the case. And I
[3:46] Speaker 2: know lots of people would be listening and going, well,
[3:49] Speaker 2: I'd never do that. But 4.3 million people are affected
[3:53] Speaker 2: and many, many of them have done that very thing.
[3:57] Speaker 2: So I think that's one, Stephen. And the other one
[4:00] Speaker 2: will be you leave your employer and As you leave,
[4:06] Speaker 2: a little bit of money gets paid out in the
[4:08] Speaker 2: form of dividends or interest from bond investments that were
[4:12] Speaker 2: in the fund. And let's say you get paid out
[4:15] Speaker 2: at the end of October and some of these only
[4:18] Speaker 2: pay out at the end of November or the middle
[4:21] Speaker 2: of January. And because they're dividends, dividends don't get paid frequently.
[4:26] Speaker 2: It could be money that was due to you and
[4:28] Speaker 2: then has been sitting there again for a period of
[4:30] Speaker 2: time and starting to compound in your favour.
[4:33] Speaker 1: I suppose the other one is that, you know, if
[4:35] Speaker 1: you get a retrenchment payout, the money may not have
[4:38] Speaker 1: arrived to you somehow or something like that. Or, you know,
[4:42] Speaker 1: your employer closed down and you don't know where the
[4:44] Speaker 1: money went after that. And you just walked away from
[4:47] Speaker 1: it because, you know, you had to cut your losses. Well,
[4:49] Speaker 1: that was what you felt at the time.
[4:52] Speaker 2: Yeah. So, I mean, just to go through the mechanism
[4:54] Speaker 2: of how could that happen. So, you know, a lot
[4:56] Speaker 2: of us, if we work for a company, you know,
[4:59] Speaker 2: our company's not actually doing the administration of our retirement funds.
[5:03] Speaker 2: That gets... that's often outsourced to a specialist retirement fund administrator.
[5:08] Speaker 2: And then above that, the actual fund managers who are
[5:11] Speaker 2: managing the money. So if a company closes down, the
[5:16] Speaker 2: administrator at the retirement fund might not have anybody to
[5:20] Speaker 2: speak to at the company because the company is shut.
[5:24] Speaker 2: And so now they're left with maybe a list of
[5:27] Speaker 2: names and contact details and And, you know, they're trying
[5:31] Speaker 2: to find those people. And very often if the cell
[5:33] Speaker 2: phone numbers start to change and now there's no email
[5:35] Speaker 2: addresses because the company closed, that you find the administrators
[5:40] Speaker 2: in a situation like that, you know, are surprised themselves.
[5:43] Speaker 2: You know, it takes a couple of months for them
[5:45] Speaker 2: to kind of figure out that actually this is all happened.
[5:47] Speaker 2: You know, one thing that will never happen is, you know,
[5:49] Speaker 2: the HR person won't send a mail to the administrator
[5:52] Speaker 2: to say, oh, by the way, you know, we're all
[5:54] Speaker 2: out of jobs, you know, bye-bye. It probably just happens,
[5:58] Speaker 2: you know, very suddenly and suddenly. and lots going on. So,
[6:02] Speaker 2: so I think it, you know, it's, it sounds like
[6:03] Speaker 2: a crazy situation, 50 billion Rand, but when you break
[6:07] Speaker 2: it down into.
[6:10] Speaker 1: Warren, um, some of the other ways that you might
[6:13] Speaker 1: lose touch with this money. I mean, one thing is
[6:15] Speaker 1: if you change your surname or you just move or
[6:17] Speaker 1: an ID number isn't captured properly, all of those can
[6:20] Speaker 1: create all sorts of problems.
[6:22] Speaker 2: Yeah, absolutely. And, you know, things like an ID number
[6:26] Speaker 2: being captured incorrectly, you know, especially in the old days
[6:28] Speaker 2: when everything was done manually would be one real possibility.
[6:33] Speaker 2: And then, you know, we have spoken about people who
[6:35] Speaker 2: get married or divorced and change their surnames back to
[6:39] Speaker 2: their maiden name. And that can, you know, trip up
[6:42] Speaker 2: an old system, you know, an archaic system. And then
[6:45] Speaker 2: maybe the kind of the slightly sadder one will be
[6:49] Speaker 2: when someone dies and they've nominated, you know, their adult
[6:54] Speaker 2: children as beneficiaries on their retirement fund, but the family
[6:57] Speaker 2: never knew and the contact details for the beneficiaries just
[7:01] Speaker 2: weren't available to the administrators. And then, you know, those
[7:05] Speaker 2: administrators will take out ads and try and find the beneficiaries,
[7:09] Speaker 2: but that's a very common one where, you know, the
[7:13] Speaker 2: father might be working far away from his children And
[7:18] Speaker 2: so they're just not in touch around things like this.
[7:21] Speaker 2: It's never been discussed. And so then the money sits
[7:24] Speaker 2: unclaimed and those beneficiaries are entirely entitled to that money. Okay.
[7:29] Speaker 1: So where do we look and what does it cost?
[7:32] Speaker 1: I mean, how does this process actually work if you think, well,
[7:35] Speaker 1: maybe it might be you or if you just want
[7:36] Speaker 1: to go and try your luck?
[7:39] Speaker 2: So the one way that's very reliable is, especially around
[7:42] Speaker 2: retirement funds, is The regulator is called the FSCA and
[7:47] Speaker 2: they actually have a part on their website where you
[7:51] Speaker 2: can go and put your details into the website. And
[7:55] Speaker 2: what you're looking for when you're searching is it's called
[7:57] Speaker 2: unclaimed benefits. So if you look on the FSCA's website,
[8:01] Speaker 2: look for unclaimed benefits. And what they'll want is they'll
[8:04] Speaker 2: want to know, obviously your full name and include all
[8:10] Speaker 2: of your names. If you've got four or five names,
[8:12] Speaker 2: including middle names, et cetera, put them all in your
[8:15] Speaker 2: ID number. And then what would be very helpful and
[8:19] Speaker 2: to make sure that you're doing this as accurately as possible,
[8:22] Speaker 2: that the names of your former employers. And that will
[8:26] Speaker 2: pick up if you are due money. And from there,
[8:31] Speaker 2: there will be a process when they'll then want to
[8:34] Speaker 2: to do a lot more of a deep dive to
[8:36] Speaker 2: make sure that it is actually you and that you're
[8:38] Speaker 2: not a fraudster trying to take money. And so what
[8:43] Speaker 2: they'll then ask for would be things like, you know,
[8:45] Speaker 2: if you've changed your name because you got married, they'll
[8:48] Speaker 2: want marriage certificates. They'll obviously want, you know, proof of
[8:51] Speaker 2: your bank account, proof of your ID, et cetera. So,
[8:55] Speaker 2: you know, that would be the most reliable way. And
[9:00] Speaker 2: certainly if you've got Old payslips, I mean, I don't
[9:03] Speaker 2: know that people keep them. A lot of the information
[9:06] Speaker 2: will be there as well. And again, something that you
[9:09] Speaker 2: can provide the administrators to prove that you're there. So
[9:13] Speaker 2: for me, that's the one most reliable way around the
[9:16] Speaker 2: retirement funds. The tricky one, Stephen, it will be things
[9:19] Speaker 2: like the unit trusts and bank accounts. So if you've
[9:23] Speaker 2: got an idea that you might have had a unit
[9:26] Speaker 2: trust a long time ago and you kind of forgot
[9:29] Speaker 2: about it, what you can do is that you can
[9:31] Speaker 2: actually send that unit trust company your details to say,
[9:35] Speaker 2: please give me information on anything that I have with
[9:37] Speaker 2: you and that they will provide that updated information. That
[9:41] Speaker 2: would apply for unit trusts, bank accounts and life assurance policies.
[9:48] Speaker 1: And then you also need to, when you do your search,
[9:51] Speaker 1: make sure you search under every single name you've ever had,
[9:54] Speaker 1: your middle name, all those sorts of things. You need
[9:56] Speaker 1: to widen it as much as possible and you need
[9:59] Speaker 1: to you need to also look in other places. I mean,
[10:02] Speaker 1: some of the large administrators, will they have a search
[10:04] Speaker 1: operation to a search facility?
[10:07] Speaker 2: Yeah. So what's nice about this is that in South Africa,
[10:10] Speaker 2: there are not many very big retirement fund administrators. So
[10:14] Speaker 2: you can actually go to their websites as well and
[10:17] Speaker 2: you know, search unclaimed benefits. And again, you know, you
[10:21] Speaker 2: will find a process that you can go through. And,
[10:23] Speaker 2: you know, believe it or not, they actually really want
[10:27] Speaker 2: to get this money out of their control and to
[10:31] Speaker 2: the beneficiaries' hands. You know, they get, you know, beaten
[10:34] Speaker 2: with a proverbial stick for not finding members. So certainly
[10:38] Speaker 2: it's something that they will have to help you. What
[10:40] Speaker 2: they will want to do is just make sure that,
[10:42] Speaker 2: you know, you are entitled to the money.
[10:44] Speaker 1: Your questions for Warren Ingram on 072-702-1702. We have a
[10:48] Speaker 1: question from Yolanda. Yolanda is asking, Hi, Warren. My sister
[10:53] Speaker 1: and I want to buy a small townhouse together so
[10:55] Speaker 1: our mother is somewhere to live. We'll each put in
[10:57] Speaker 1: half of the money. We get on well. Is there
[11:00] Speaker 1: anything we should be thinking about before we buy the place?
[11:03] Speaker 1: Great question, Yolanda. We'll have an answer for you in
[11:05] Speaker 1: just a moment. The Money Show. Personal Finance with Warren Ingram.
[11:10] Speaker 1: And of course, we're talking about unclaimed money. But first,
[11:12] Speaker 1: your London question, Warren. My sister and I want to
[11:15] Speaker 1: buy a small townhouse. We'd buy it together for our mother.
[11:18] Speaker 1: She'd have somewhere to live. We'd each put in half
[11:20] Speaker 1: the money we get on. Well, is there anything we
[11:21] Speaker 1: should be thinking about before we buy the place? It's
[11:24] Speaker 1: quite rare in a way, Warren, for firstly, siblings to
[11:27] Speaker 1: get on in this way. But secondly, for people who
[11:30] Speaker 1: aren't married together or living together to buy a property
[11:32] Speaker 1: together like this.
[11:35] Speaker 2: Yeah, and it is something where, you know, as more
[11:38] Speaker 2: and more people's parents are getting older and living longer
[11:41] Speaker 2: than potentially that they planned, that you find adults, children
[11:45] Speaker 2: trying to find ways to help their parents and sort
[11:49] Speaker 2: of jointly buying a property to take at least that
[11:54] Speaker 2: cost out of their parents' lives, you know, can be
[11:56] Speaker 2: a very sensible and very helpful way for everybody involved.
[12:00] Speaker 2: But certainly to Yolanda's point, there is a lot that
[12:04] Speaker 2: you should think about and certainly some agreements need to
[12:07] Speaker 2: be put in place. So, I mean, the law is
[12:10] Speaker 2: pretty clear around people buying property together. It's fairly standard.
[12:16] Speaker 2: You might find it'll be either people in a relationship
[12:20] Speaker 2: or people doing joint investments together and they want to
[12:24] Speaker 2: buy properties together. So it's fairly standardized. And when you
[12:28] Speaker 2: go to the deeds office eventually and your property is registered,
[12:32] Speaker 2: unless there is kind of a very specific contract, what
[12:37] Speaker 2: will happen is it will be deemed that you each
[12:39] Speaker 2: own the property 50-50. And so this is the starting
[12:43] Speaker 2: point is I think before you enter into any kind
[12:46] Speaker 2: of transaction like this and It's always going to be
[12:50] Speaker 2: sizable if you're buying a property. You really have to
[12:52] Speaker 2: get an agreement done. And I think it makes a
[12:55] Speaker 2: lot of sense to go to an attorney that deals
[12:57] Speaker 2: with property transactions and talk it through and exactly get
[13:02] Speaker 2: everything down in writing. And some of the things that
[13:05] Speaker 2: you're going to have to think about, Yolanda, is, is
[13:08] Speaker 2: it 50-50? Are you jointly putting the capital in? And
[13:12] Speaker 2: for example, are you jointly going to cover the running
[13:15] Speaker 2: costs of the property, whether it's maintenance or rates or levies,
[13:19] Speaker 2: all of that stuff. And what happens if one of
[13:22] Speaker 2: you wants to sell one day? Do you allow the
[13:26] Speaker 2: other party to buy out or do you both have
[13:29] Speaker 2: to sell? And maybe the trickier one as well is
[13:34] Speaker 2: what happens if one of you dies? Is it going
[13:38] Speaker 2: to be covered in your will? What happens on death
[13:41] Speaker 2: Because the nightmare scenario would be that one of the
[13:44] Speaker 2: two sisters dies. This isn't covered in the will. And
[13:47] Speaker 2: the executor just says, well, I'm selling my half and
[13:50] Speaker 2: then maybe forces a sale. So it's a very good,
[13:54] Speaker 2: very nice thing to do. But, gee, you do need
[13:56] Speaker 2: to get a lot of stuff down on a very
[13:59] Speaker 2: simple contract to make sure it's all protected and everybody's protected,
[14:03] Speaker 2: including your mom. Yeah.
[14:05] Speaker 1: So, I mean, it needs to be written down, right?
[14:08] Speaker 1: I mean, doesn't that need to be the thing? It
[14:09] Speaker 1: all needs to be written down. Everyone needs to know
[14:11] Speaker 1: exactly what they're getting into. They need to know what
[14:14] Speaker 1: could happen in every eventuality.
[14:16] Speaker 2: Yeah. And it's not a big one for actuaries and lawyers,
[14:21] Speaker 2: but I do think they add value sometimes. And this
[14:25] Speaker 2: is one of those instances where actually... getting a proper,
[14:28] Speaker 2: you know, a proper experienced lawyer who does property transactions,
[14:32] Speaker 2: who's seen, you know, this movie lots of times before,
[14:35] Speaker 2: that they'll be very helpful to be able to say
[14:37] Speaker 2: to you, don't forget, for example, if you get divorced
[14:40] Speaker 2: or don't forget, you know, someone dying. So there are
[14:44] Speaker 2: a good few scenarios that you have to think about. And,
[14:47] Speaker 2: you know, for example, as we're talking, I'm thinking, you know,
[14:50] Speaker 2: what happens if one of the sisters loses her job
[14:53] Speaker 2: and she can't carry on the running costs of the property? So,
[14:57] Speaker 2: So yes, it must be written down, and I think
[14:59] Speaker 2: it really does need to be a proper contract that
[15:02] Speaker 2: does cover all of this. I just don't think you
[15:05] Speaker 2: do this at home with kind of an AI engine
[15:09] Speaker 2: and hope that it's going to answer all your questions perfectly.
[15:12] Speaker 2: I would want to know all the bases are covered here.
[15:15] Speaker 1: Okay, our main discussion tonight is about unclaimed money in
[15:18] Speaker 1: a retirement fund. There will be plenty of people who
[15:22] Speaker 1: will offer to help you look for unclaimed money. How
[15:26] Speaker 1: careful should you be of that?
[15:28] Speaker 2: Yeah, there are far too many sharks involved in this
[15:32] Speaker 2: ocean of debt and trouble here. So I think that
[15:36] Speaker 2: my recommendation is you need to verify the websites that
[15:40] Speaker 2: you're going to. So if you're going to the FSEA's website,
[15:43] Speaker 2: make sure it is actually their site. And no one's
[15:47] Speaker 2: going to charge you a fee to confirm that you've
[15:51] Speaker 2: got money or you don't have money. So number one,
[15:54] Speaker 2: there should be no upfront costs. No official is going
[15:59] Speaker 2: to kind of say to you, hey, you can, but
[16:01] Speaker 2: there's a search fee of 2000 Rand as an example.
[16:04] Speaker 2: Going to the FSC and doing that search is entirely free.
[16:08] Speaker 2: I actually checked it before the show to make sure
[16:10] Speaker 2: and I was surprised at how quick and easy it was.
[16:13] Speaker 2: So absolutely free. And if someone proactively contacts you and says, hey,
[16:19] Speaker 2: you know, you're entitled to money, there are tracing agents
[16:23] Speaker 2: and they might be legitimate. But then what you do
[16:25] Speaker 2: is you say, please give me your details. I'm not
[16:27] Speaker 2: going to give you any information right now. I want
[16:30] Speaker 2: to know who you work for and I will make
[16:32] Speaker 2: contact with your employer that way so that you can
[16:36] Speaker 2: verify that the person is legit.
[16:40] Speaker 1: Do you also need to make sure that you don't
[16:43] Speaker 1: have to do this kind of search again in 20
[16:45] Speaker 1: years time?
[16:47] Speaker 2: Yeah, and I think it's one of those things where
[16:50] Speaker 2: a little bit of basic housekeeping once a year would
[16:53] Speaker 2: make a huge difference to everybody, potentially maybe not even
[16:56] Speaker 2: to you, but to your beneficiaries if you die and
[16:58] Speaker 2: you've got a retirement fund. So just give an update
[17:02] Speaker 2: to all of your retirement fund providers. If you've got
[17:06] Speaker 2: old retirement funds sitting all over the place, make sure
[17:08] Speaker 2: that they've got your latest retirement. contact information and and
[17:11] Speaker 2: you know keep a keep a record that's available to
[17:14] Speaker 2: your loved ones about what you have in case something
[17:17] Speaker 2: happens to you so they're not scrabbling around trying to
[17:20] Speaker 2: find all this information one.
[17:21] Speaker 1: Day i mean it's the age-old thing isn't it it's
[17:24] Speaker 1: the the admin if you do it every year or
[17:25] Speaker 1: every six months suddenly life is so much simpler for
[17:29] Speaker 1: a very very long time to come and often all
[17:32] Speaker 1: your admin is going to be is just checking everything
[17:34] Speaker 1: it'll take half an hour Yeah.
[17:37] Speaker 2: And often nowadays we get online access to our investments
[17:43] Speaker 2: and especially our retirement funds. And just doing it once
[17:47] Speaker 2: a year when you're doing your overall review, which we've
[17:49] Speaker 2: told you to do on the show before, this should
[17:51] Speaker 2: just be part of that good homework is to say,
[17:53] Speaker 2: my details have changed because I got married or I've
[17:57] Speaker 2: moved house or changed my cell phone number or email address.
[18:01] Speaker 2: And then make sure that it's done with all of
[18:03] Speaker 2: the the places where you have life assurance policies or
[18:07] Speaker 2: investments or retirement funds.
[18:09] Speaker 1: Warren Ingram, thank you so much. Really appreciate it. Certified
[18:12] Speaker 1: financial planner at Galileo Capital. Yeah, interesting. I mean, we
[18:16] Speaker 1: all hope it could be us, but just start the FSEA,
[18:19] Speaker 1: go and put in all of your numbers and names
[18:21] Speaker 1: and all the names that you've had, et cetera, et cetera,
[18:23] Speaker 1: et cetera, and see where you go from there. And
[18:26] Speaker 1: just Warren's advice is always be careful who you trust
[18:28] Speaker 1: with this. Don't let anyone sort of take over the
[18:31] Speaker 1: process and then make sure you update your details as well. Warren,
[18:34] Speaker 1: thank you.

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