PENSIONS IN MALAWI

Listening to a programme on Pensions arround the world especially on Kenya, I reflected on the concerns and issues raised.
Concerns:
1. Un-employmnet
2. The money earned is usually enough for expenses or guarantee you a loan from friends.

Issues:

1. The pay you get after saving for so long is totally valueless
2. Pvt sector vs Public sector its a known fact that the govt cant compete.

After all of the above is said, I feel this makes the African market the most lucrative in the sense that Financial Institutions can come up with packages which allow the informal sector or the formal sector employee to be able to invest and be assured of a good return at the end of a productive life.

The challenges are well documented HIV/AIDS and various other challenges but for sure the opportunities are available.