The KwaZulu-Natal Joint Municipal Pension / Provident Funds (NJMPF) provides superior retirement services to local government employees in KwaZulu-Natal, South Africa. It offers defined benefit funds and a defined contribution provident fund, ensuring financial security through sound investment practices and robust governance. The target audience includes municipal workers across 55 municipalities. NJMPF's unique selling proposition is its commitment to excellence, demonstrated by over 100 local and international awards for investment practices, governance, and stakeholder engagement, fostering a culture of financial literacy and secure retirement outcomes[1][3][4].