| Welcome: Fifi Peters Market Watcher: Gary Booysen – Portfolio Manager, Rand Swiss Major retail moves at Shoprite, Massmart and Woolworths: Alec Abraham – senior equity analyst, Sasfin Wealth Claims for retrenchment and maternity still an issue for UIF: Makhosonke Buthelezi – spokesperson, UIF Impact of COVID-19 vaccines on life cover: Graham Thomas – Divisional Executive for Risk Product Development, Liberty Corporate Employers’ role in helping workers buffer the impact of Covid-19 on their financial security: Malusi Ndlovu – Director: Large Enterprise at Old Mutual Corporate Personal Finance: Do budgeting apps actually help? Tyrone Lowther – head of Budget Insurance | 