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University of Cape Town Retirement Fund

University of Cape Town Retirement Fund

The University of Cape Town Retirement Fund (UCTRF), established with a commencement date of 1 January 1995, is a ‘savings plan’ constructedby the employer to help you save for retirement.  Every month UCT pays a percentage of your salary into the UCTRF on your behalf, which will earn returns for you to use when you have retired and are no longer earning a salary. The UCTRF was therefore created to provide members with benefits should they leave the employ of the University of Cape Town or at retirement. But more than that, the UCTRF provides benefits to members should they become disabled, or to the families of deceased members.
The UCTRF is a Defined Contribution Provident Fund. Defined Contribution meaning that the benefit you will receive on retirement depends on the contributions you make monthly to your retirement savings and the investment returns (positive or negative) earned on this money.
 
What is a Provident Fund?
Provident Fund is a fund which allows you to take your entire retirement benefit in cash when you exit the UCTRF.  In a Pension Fund arrangement, only one third is allowed to be taken in cash at retirement.

In addition to providing retirement benefits, the UCTRF also provides resignation, retrenchment, death and disability benefits. The UCTRF is registered as a Provident Fund. This gives you flexibility because you can decide how much of your benefit you want as a lump sum and/or pension.

Membership of the UCTRF

If you are a permanent employee of the University of Cape Town, the Cape Higher Education Consortium or the Tertiary Education And Research Network Of South Africa or an employee with a fixed-term contract of longer than 2 years, you will automatically become a member of the UCTRF on appointment. Membership of the UCTRF is obligatory and a condition of employment.

The UCTRF has a few membership categories.  The membership category will, for example, affect the death benefit the member will be covered for.
Who owns the UCTRF?

The UCTRF is a separate legal entity.  This means that it does not belong to the employer or the administrator.  It is registered with the Financial Services Board (FSB).  The FSB ensures that the UCTRF is well managed in accordance with the Pension Funds Act and the related legislation.  The UCTRF is also approved by SARS (South African Revenue Services), which means that there are certain tax concessions when benefits are paid.

FSB Registration Number

The UCTRF’s FSB registration number is 12/8/31582

Contact Us

Please email  uctrf-enquiries@uct.ac.za for all general queries.
 
Staff
Yumna Gamildien (Ms)
Retirement Fund Benefits Officer
Tel: 021 650 3806
Fax: 021 650 5546
Email: yumna.gamildien@uct.ac.za

Penny Fabre (Ms)
Principal Officer
Tel: 021 650 2159
Fax: 021 650 5546
Email: penny.fabre@uct.ac.za

William Nkutha (Mr)


Deputy Principal Officer
Tel: 021 650 2532
Fax: 021 650 5546
Email: william.nkutha@uct.ac.za

Chumisa Qumza (Ms)
Senior Secretary
Tel: 021 650 2934
Fax: 021 650 5546
Email: chumisa.qumza@uct.ac.za

Areas of responsibility:
UCTRF & associated schemes

Susan Williams (Ms)
Organisational Health co-ordinator
Tel: 021 650 4376
Fax: 021 650 5546
Email: susan.williams@uct.ac.za

Areas of responsibility:
Disability claims (GLA & Sanlam income continuation)

Rowina Nefdt (Ms)
Benefits & Exits Officer
Tel: 021 650 4330
Fax: 021 650 4780
Email: rowina.nefdt@uct.ac.za

Areas of responsibility:
Matters relating to leaving UCT, i.e. UCTRF/AIPF withdrawal,
leave payments and UIF
Sanlam Client Contact Centre

086 138 6202

Trustees

Associate Prof. P de Jager (Chair of the Board of Trustees)
Email: phillip.dejager@uct.ac.za
Mr S Abrahams
Email: smartdryck.abrahams@uct.ac.za

Mr E Balarin
Email: emlyn.balarin@uct.ac.za

Dr J Chigada

Email: joel.chigada@uct.ac.za

Ms J du Toit

Email: judith.dutoit@uct.ac.za


Prof. L Feris
Email: loretta.feris@uct.ac.za

Ms L Haddow
Email: lesley.haddow@uct.ac.za

Ms T Johnson
Email: tracy.johnson@uct.ac.za 

Ms J Legutko
Email: joanna.legutko@uct.ac.za

Ms K Lehmann
Email: karin.lehmann@uct.ac.za 

Mr H Maritz
Email: hardy.maritz@uct.ac.za

Ms Y Quwe
Email: yolokazi.quwe@uct.ac.za

Prof. S Richardson

Email: steve.richardson@uct.ac.za

Ms M Tainton
Email: margie.tainton@uct.ac.za

Prof L Feris 
Email: loretta.feris@uct.ac.za

Prof. J Glazewski (Alternate) 
Email: jan.glazewski@uct.ac.za

Mr G Hurlow (Alternate)
Email: glenn.hurlow@uct.ac.za


Complaints

If you have a complaint relating to the management of the UCTRF, its administration, member communication, benefit payments, or any other matter, please write to the Principal Officer of the UCTRF.

The UCTRF has 30 days in which to respond. If you do not receive a response, or the response is not satisfactory, you will be able to lodge your complaint with the Pension Funds Adjudicator.

Please note that this does not apply to complaints regarding the separate death and disability cover or the income continuation cover, which must be lodged with the Ombudsman for Long-term Insurance.  The insurer should be given the opportunity to resolve the problem or complaint before it is referred to the Ombudsman.

You can complain to Pension Funds Adjudicator and to the Ombudsman for Long-term Insurance directly (you do not need to hire a lawyer) and for free.

Should the Pension Funds Adjudicator’s ruling not be to your satisfaction, you may apply to the division of the High Court within six weeks.

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