Silverdale Capital Pte Ltd Founder & CIO, Sanjay Guglani, opened Day 3 at Zamara's 13th Annual Retirement Conference in Singapore with a keynote on 𝗘𝘅𝗽𝗹𝗼𝗿𝗶𝗻𝗴 𝗦𝗶𝗻𝗴𝗮𝗽𝗼𝗿𝗲'𝘀 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗘𝗻𝗴𝗶𝗻𝗲: 𝗗𝗲𝗹𝗶𝘃𝗲𝗿𝗶𝗻𝗴 𝗣𝗿𝗲𝗱𝗶𝗰𝘁𝗮𝗯𝗹𝗲 𝗥𝗲𝘁𝘂𝗿𝗻𝘀 𝗳𝗼𝗿 𝗣𝗲𝗻𝘀𝗶𝗼𝗻 𝗮𝗻𝗱 𝗦𝗼𝘃𝗲𝗿𝗲𝗶𝗴𝗻 𝗙𝘂𝗻𝗱𝘀 — sharing how Singapore's structural advantages can help African pension and sovereign funds deliver predictable, resilient returns.
 
Here are few ideas. All actionable. None requiring a new mandate:

🔹𝗥𝗲𝘀𝗶𝗹𝗶𝗲𝗻𝗰𝗲 𝗯𝗲𝗳𝗼𝗿𝗲 𝗿𝗲𝘁𝘂𝗿𝗻𝘀 
The first job of a pension portfolio is to survive shocks. Silverdale has navigated Turkey, Russia, COVID, the 2022 rate cycle, and Trump tariff turbulence — and emerged stronger each time. Build for resilience. Returns follow.
 
🔹𝗧𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝘀𝘁 𝗺𝗶𝘀𝘀𝗲𝗱 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝘆 𝗶𝘀𝗻'𝘁 𝗶𝗻 𝗮𝗹𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝘃𝗲𝘀
It's in public fixed income. A well-constructed Fixed Maturity Portfolio of public bonds can deliver 8%–9% p.a. predictably, equity-like returns at roughly half the volatility.
 
🔹𝗬𝗶𝗲𝗹𝗱 𝗶𝘀 𝗱𝗲𝘀𝘁𝗶𝗻𝘆
89% of 5-year fixed income returns are explained by starting yield at entry. The current entry point is the most favourable in over a decade. Waiting for clarity means losing the opportunity.
 
🔹𝗦𝗶𝗻𝗴𝗮𝗽𝗼𝗿𝗲 𝗶𝘀 𝗻𝗼𝘁 𝗷𝘂𝘀𝘁 𝘁𝗵𝗲 𝗰𝗼𝗻𝗳𝗲𝗿𝗲𝗻𝗰𝗲 𝘃𝗲𝗻𝘂𝗲. 𝗜𝘁'𝘀 𝘆𝗼𝘂𝗿 𝗲𝗱𝗴𝗲. 
Zero tax on investment income, 100+ double taxation agreements, full currency convertibility. African pension funds can save 200-300 basis points annually simply by structuring through Singapore.

Sanjay also joined the panel on 𝗙𝗿𝗼𝗺 𝗜𝗻𝘀𝗶𝗴𝗵𝘁 𝘁𝗼 𝗔𝗰𝘁𝗶𝗼𝗻, alongside exceptional practitioners from #GenAfrica #Britam #OldMutual, shared insights on actionable perspectives on risk management, governance, and the blueprint for African pension funds.
 
Thank you to Zamara Kenya for building a platform worthy of the responsibility pension leaders carry.

Fahima Zein | James O. Olubayi | David Nyambok | Emma Mugo | John Ndegwa | Dennis Mworia | Steven Maleche