FINDING A BETTER WAY

Healthcare Consulting

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Retirement Fund Consulting

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Retirement Fund Administration

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Investment Consulting

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Investment Management

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Actuarial Services

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Financial Planning

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Insurance

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EMPLOYEE 1ST INNOVATIONS

In today’s tough economy, employers must maximise the impact of their wellness programmes. Our innovative solutions boost productivity, morale, and retention by tackling key areas like financial security, mental health, accessible benefits, and empowering employees with essential financial education.
Member 1st
(M1)

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NMG
SmartAlec

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NMG
Essentials

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NMG
SalarySaver

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NMG
Wellbeing Index

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Ready-to-Retire Seminars

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MEMBER 1ST (M1)

In a country where only 51% of South Africa's population grasp essential financial concepts, the need for guidance is more crucial than ever.
We’ve assembled a dedicated team of Benefit Counsellors committed to providing unbiased, personalised, confidential and uncommissioned guidance. Our sole focus is on demystifying financial concepts and empowering members to make informed decisions for their long-term financial stability.

Our Benefit Counsellors provide a comprehensive support plan for your members, guiding them through each stage of their employment journey.

  • Financial basics: guidance on budgeting, saving, debt management and understanding financial products and services
  • Fund benefits: assistance in understanding and optimising fund benefits, including insurance options and investment choices
  • Healthcare options: guidance on medical aid options, gap cover purchases and future funding
  • Retirement planning: tailored guidance based on members’ proximity to retirement, including contribution rates, consolidation of savings and retirement choices
  • Retirement annuity options: assistance for retiring members in comparing annuity options, including those offered by the fund itself
  • Wills: education on available options and legal requirements regarding wills
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NMG SMARTALEC

Empower your workforce with on-demand financial education via WhatsApp.
Provide your employees with instant access to a wealth of financial management knowledge through SmartAlec, conveniently available on WhatsApp. This isn't just another learning tool - SmartAlec is like having a trusted guide, empowering your employees with practical financial education. Designed by experts in financial literacy, SmartAlec delivers interactive, easy-to-understand modules covering everything from basic banking and insurance to retirement planning and complex investment strategies. Available in three languages - English, isiXhosa, and isiZulu - SmartAlec cuts through confusing jargon to bring financial clarity to your workforce.

Budgets & Borrowing
(25 topics)

Builds strong foundations in managing finances by understanding key concepts like bank accounts, budgeting, credit, and loans. This course provides the essentials to help make confident, informed financial decisions in daily life.

Saving & Investing
(25 topics)

Explores the essentials of saving for goals, investing wisely, and protecting futures. This course covers inflation, risk, scams, and insurance, empowering confident, informed decisions to secure financial success.

Retirement Planning
(40 topics)

Navigates the full retirement journey, from goal-setting to understanding product options and maximising savings. This course covers essential retirement strategies, including employer obligations, tax benefits, and post-retirement planning.

Insurance Essentials
(30 topics)

Develops a clear understanding of insurance and how it helps protect assets and futures. This course covers assessing needs, selecting policies, and understanding premiums, claims, and exclusions, providing the tools to make informed insurance decisions.
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NMG ESSENTIALS

In South Africa, low-income and blue-collar workers are often excluded from essential benefits like medical aid due to high costs, leaving them vulnerable. This exclusion not only impacts employees - it also affects employers through increased absenteeism, reduced morale, higher turnover, and unexpected financial burdens when uncovered workers face emergencies. Financial illiteracy further exacerbates these challenges, preventing workers from making sound financial decisions.

NMG Essentials is a comprehensive package that combines medical, funeral, and financial literacy benefits to tackle the unique challenges faced by low-income workers. By making basic services accessible and affordable, it empowers employees while safeguarding employers’ bottom line.

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NMG SALARYSAVER

Shielding your employees from financial exploitation
South Africa’s economic challenges are impacting both businesses and their employees. Financially struggling workers face exploitation by lenders through dubious practices, being misled into unnecessary loans, unwanted insurance, and costly products, exacerbating their financial situation. These financial difficulties contribute to workforce issues such as absenteeism, low morale, decreased productivity, and employees even resigning to tap into retirement funds.
Employees Aren’t Just Stressed, 
They’re Being Financially Drained
Ready to See the Impact?
Changing Lives, Empowering Employees
Why choose NMG SalarySaver for your employees?

We blend technology with hands-on counselling, which is why we partnered with EmpowerFS, who offer comprehensive support at no cost to you or your employees, helping employees facing financial challenges by:

  • Protecting staff from unscrupulous credit providers and their costly, reckless lending practices
  • Defending employees against unethical and overpriced debt collectors
  • Advising on the most suitable credit options
  • Advancing zero-interest, zero-fees emergency cash assistance
  • Determining whether staff are over-insured through multiple credit life or funeral insurance policies and consolidating these to save costs
  • Empowering staff with improved financial literacy to make better financial decisions
How it works
Employees connect directly with this service through WhatsApp, and EmpowerFS handle the rest. Their services come at no cost to the employer or employee, as compensation is based solely on consolidating existing services into more efficient alternatives. Additionally, by integrating directly with your payroll system, they can automate the provision of payslips and other relevant documents, alleviating the administrative workload for HR.
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NMG WELLBEING INDEX

From guesswork to insight: measure what matters in employee wellbeing

Employers invest heavily in wellness programmes, but many struggle to gauge whether these efforts are truly effective or delivering value. Our solution offers a comprehensive approach to measuring employee wellbeing, covering the four critical areas of Physical Health, Mental Health, Workplace Impact, and Financial Wellness. By leveraging data from medical schemes, insurers, EAP providers, and HR/payroll systems, we provide employers with data-driven insights for an accurate picture of workforce health.

Through local and international benchmarking, we enable employers to compare their performance against industry best practices and identify areas for improvement. With targeted recommendations, the Index highlights specific actions that employers can take to enhance wellbeing, improve productivity, and boost overall company performance. The result? Clear, actionable outcomes that demonstrate the return on wellness investments, helping employers allocate resources more effectively and optimise employee wellbeing.

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NMG Ready-to-Retire Seminars

Why choose our seminars?
The transition to retirement is a challenging time for employees, making it critical to have a solid retirement plan. NMG’s Ready-to-Retire seminars are uniquely structured to meet your staff’s pre-retirement planning needs. Our seminars feature expert facilitators to ensure full satisfaction for both you and your employees. Our seminars equip pre-retirees with the tools and knowledge to design individualised retirement plans for a smooth transition into retirement.
Our training methodology

Our interactive training seminar provides participants with information that will increase their knowledge and awareness of the significant factors that could affect their financial security, physical well being, legal status and mental health in retirement. Through a balance of theory, examples, handouts, exercises, references and discussions, we provide the tools necessary for planning a successful retirement.

Learning outcomes for employees
  • Understand their employer’s retirement fund
  • Prepare financially for retirement by establishing a personal action plan, acquiring knowledge of the various sources of retirement income, strategising to minimise taxes
    and understanding investment asset classes and strategies
  • Recognise the impact of taxes, Powers of Attorney, and wills on their estate
  • Understand the effects of aging on the body, healthy nutrition, how to control stress and stay physically fit
  • Learn how to prepare psychologically for retirement, how to manage time and consider alternative living arrangements.
Seminar options

We have a suite of seminar group options which include 2 hour (complimentary), half-day, 1 day, 2 day or 3 days per group.

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STAY INFORMED. STAY AHEAD

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