{"disclaimer":"Automatically generated transcript — may contain errors. Not an official United Nations record.","video":{"id":"k18/k18nuo0ve9","kaltura_id":"1_8nuo0ve9","title":"UNJSPF Global Townhall","clean_title":"UNJSPF Global Townhall","url":"https://webtv.un.org/en/asset/k18/k18nuo0ve9","date":"2026-04-29T00:00:00.000Z","scheduled_time":"2026-04-29T14:00:00.000Z","status":"finished","duration":"00:38:09","category":"Meetings & Events","body":null,"event_code":null,"event_type":null,"session_number":null,"pv_symbol":null,"pv_part":null,"slug":"asset/k18/k18nuo0ve9"},"metadata":{"summary":"The Annual Global Townhall by the United Nations Joint Staff Pension Fund's leadership will provide UNJSPF participants, retirees, and beneficiaries with an update on the state of the Fund.","description":"The Chief Executive of Pension Administration, Rosemarie McClean, and the Representative of the Secretary-General for the investment of UNJSPF assets, Robert van der Zee invite all participants from UNJSPF member organizations, all retirees and beneficiaries to a virtual Global Town Hall meeting to provide an update on the state of the Fund.","categories":["Meetings & Events"],"geographic_subject":[],"subject_topical":["LEADERSHIP","INVESTMENTS","MEMBERS"],"corporate_name":["UNITED NATIONS JOINT STAFF PENSION FUND - UNJSPF"],"speaker_affiliation":[],"related_documents":[]},"transcript":{"transcript_id":"assemblyai-aebaf989-47e3-47a5-9f7d-48f7fb63fb20","language":"en","data":[{"statement_number":1,"paragraphs":[{"sentences":[{"text":"Good morning, good afternoon and good evening to all of our Fund 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submitted questions in advance.","start":45.82,"end":48.2,"topics":[],"words":[{"text":"Many","start":45.82,"end":46.16},{"text":"of","start":46.16,"end":46.5},{"text":"you","start":46.5,"end":46.84},{"text":"submitted","start":46.84,"end":47.18},{"text":"questions","start":47.18,"end":47.52},{"text":"in","start":47.52,"end":47.86},{"text":"advance.","start":47.86,"end":48.2}]},{"text":"We thank you very much.","start":48.2,"end":49.9,"topics":[],"words":[{"text":"We","start":48.2,"end":48.54},{"text":"thank","start":48.54,"end":48.88},{"text":"you","start":48.88,"end":49.22},{"text":"very","start":49.22,"end":49.56},{"text":"much.","start":49.56,"end":49.9}]},{"text":"Today we will cover most of your recurring questions through the slide presentation and we reserved a few other recurring ones for each one of our presenters in the end during our Q and A 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always, if you have personal questions, we invite you to reach out to us directly through the Contact US page on unjspf.org Today we are grateful to be joined by Rosemary McLean, who is the Chief Executive of Pension Administration, and Robert Van Der Zee, the representative of the Secretary General for the investment of the UNJSPF 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they will walk us through the Fund's financial health, performance, modernization and the Fund's future.","start":82.2,"end":87.64,"topics":[],"words":[{"text":"Together","start":82.2,"end":82.54},{"text":"they","start":82.54,"end":82.88},{"text":"will","start":82.88,"end":83.22},{"text":"walk","start":83.22,"end":83.56},{"text":"us","start":83.56,"end":83.9},{"text":"through","start":83.9,"end":84.24},{"text":"the","start":84.24,"end":84.58},{"text":"Fund's","start":84.58,"end":84.92},{"text":"financial","start":84.92,"end":85.26},{"text":"health,","start":85.26,"end":85.6},{"text":"performance,","start":85.6,"end":85.94},{"text":"modernization","start":85.94,"end":86.28},{"text":"and","start":86.28,"end":86.62},{"text":"the","start":86.62,"end":86.96},{"text":"Fund's","start":86.96,"end":87.3},{"text":"future.","start":87.3,"end":87.64}]},{"text":"Rosemarie, the floor is 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world.","start":94.956,"end":98.204,"topics":[],"words":[{"text":"Wherever","start":94.956,"end":95.42},{"text":"you","start":95.42,"end":95.884},{"text":"may","start":95.884,"end":96.348},{"text":"be","start":96.348,"end":96.812},{"text":"in","start":96.812,"end":97.276},{"text":"the","start":97.276,"end":97.74},{"text":"world.","start":97.74,"end":98.204}]},{"text":"It's a pleasure to be with you again.","start":98.204,"end":101.916,"topics":[],"words":[{"text":"It's","start":98.204,"end":98.668},{"text":"a","start":98.668,"end":99.132},{"text":"pleasure","start":99.132,"end":99.596},{"text":"to","start":99.596,"end":100.06},{"text":"be","start":100.06,"end":100.524},{"text":"with","start":100.524,"end":100.988},{"text":"you","start":100.988,"end":101.452},{"text":"again.","start":101.452,"end":101.916}]},{"text":"Let me start by saying that this pension fund is secure.","start":101.916,"end":107.02,"topics":[{"key":"pension-fund-solvency","label":"Pension Fund 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This included references to assets exceeding liabilities, stable contribution arrangements, and the fund’s long-term security for participants and retirees."}],"words":[{"text":"It","start":107.02,"end":107.484},{"text":"is","start":107.484,"end":107.948},{"text":"a","start":107.948,"end":108.412},{"text":"strong","start":108.412,"end":108.876},{"text":"pension","start":108.876,"end":109.34},{"text":"fund.","start":109.34,"end":109.804}]},{"text":"Our actuarial valuations and asset liability management studies show us that the fund is financially strong and secure.","start":109.804,"end":118.156,"topics":[{"key":"actuarial-scheme-review","label":"Actuarial Review and Scheme Assessment","description":"The discussion covered regular actuarial valuations and asset-liability management studies used to test the fund’s sustainability, as well as the General Assembly-requested holistic review of the pension scheme. 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These reforms were presented as improving processing speed, accuracy, and overall support to participants and beneficiaries."}],"words":[{"text":"Either","start":566.849,"end":567.313},{"text":"online","start":567.313,"end":567.777},{"text":"phone,","start":567.777,"end":568.241},{"text":"you","start":568.241,"end":568.705},{"text":"can","start":568.705,"end":569.169},{"text":"come","start":569.169,"end":569.633},{"text":"and","start":569.633,"end":570.097},{"text":"see","start":570.097,"end":570.561},{"text":"us","start":570.561,"end":571.025},{"text":"in","start":571.025,"end":571.489},{"text":"person,","start":571.489,"end":571.953},{"text":"submit","start":571.953,"end":572.417},{"text":"documents.","start":572.417,"end":572.881}]},{"text":"It's worth noting that if you do call us, there are toll free numbers available in 673 countries around the world and we are open 24 hours a day, five days a week.","start":572.881,"end":588.193,"topics":[{"key":"transparency-participant-outreach","label":"Transparency and Participant Outreach","description":"Both speakers highlighted the importance of transparent reporting and accessible communication with members, retirees, and other stakeholders. 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Zee for an update on the Office of of Investment Management.","start":632.738,"end":643.41,"topics":[],"words":[{"text":"So","start":632.738,"end":633.202},{"text":"with","start":633.202,"end":633.666},{"text":"that","start":633.666,"end":634.13},{"text":"I","start":634.13,"end":634.594},{"text":"will","start":634.594,"end":635.058},{"text":"turn","start":635.058,"end":635.522},{"text":"it","start":635.522,"end":635.986},{"text":"over","start":635.986,"end":636.45},{"text":"to","start":636.45,"end":636.914},{"text":"Robert","start":636.914,"end":637.378},{"text":"Van","start":637.378,"end":637.842},{"text":"Der","start":637.842,"end":638.306},{"text":"Zee","start":638.306,"end":638.77},{"text":"for","start":638.77,"end":639.234},{"text":"an","start":639.234,"end":639.698},{"text":"update","start":639.698,"end":640.162},{"text":"on","start":640.162,"end":640.626},{"text":"the","start":640.626,"end":641.09},{"text":"Office","start":641.09,"end":641.554},{"text":"of","start":641.554,"end":642.018},{"text":"of","start":642.018,"end":642.482},{"text":"Investment","start":642.482,"end":642.946},{"text":"Management.","start":642.946,"end":643.41}]}]}],"speaker":{"name":"Rosemary McLean","affiliation":"UNJSPF","affiliation_full":"UNJSPF","group":null,"function":"Chief Executive of Pension Administration"}},{"statement_number":3,"paragraphs":[{"sentences":[{"text":"Robert thank you Rosemary.","start":644.05,"end":645.645,"topics":[],"words":[{"text":"Robert","start":644.05,"end":644.449},{"text":"thank","start":644.449,"end":644.847},{"text":"you","start":644.847,"end":645.246},{"text":"Rosemary.","start":645.246,"end":645.645}]},{"text":"Good morning, good afternoon, good evening wherever you are.","start":645.645,"end":649.234,"topics":[],"words":[{"text":"Good","start":645.645,"end":646.044},{"text":"morning,","start":646.044,"end":646.442},{"text":"good","start":646.442,"end":646.841},{"text":"afternoon,","start":646.841,"end":647.24},{"text":"good","start":647.24,"end":647.639},{"text":"evening","start":647.639,"end":648.037},{"text":"wherever","start":648.037,"end":648.436},{"text":"you","start":648.436,"end":648.835},{"text":"are.","start":648.835,"end":649.234}]},{"text":"As a client of the UN Joint Pension Fund, thank you for taking the time to be with us this morning.","start":649.234,"end":657.607,"topics":[],"words":[{"text":"As","start":649.234,"end":649.632},{"text":"a","start":649.632,"end":650.031},{"text":"client","start":650.031,"end":650.43},{"text":"of","start":650.43,"end":650.828},{"text":"the","start":650.828,"end":651.227},{"text":"UN","start":651.227,"end":651.626},{"text":"Joint","start":651.626,"end":652.025},{"text":"Pension","start":652.025,"end":652.423},{"text":"Fund,","start":652.423,"end":652.822},{"text":"thank","start":652.822,"end":653.221},{"text":"you","start":653.221,"end":653.62},{"text":"for","start":653.62,"end":654.018},{"text":"taking","start":654.018,"end":654.417},{"text":"the","start":654.417,"end":654.816},{"text":"time","start":654.816,"end":655.214},{"text":"to","start":655.214,"end":655.613},{"text":"be","start":655.613,"end":656.012},{"text":"with","start":656.012,"end":656.411},{"text":"us","start":656.411,"end":656.809},{"text":"this","start":656.809,"end":657.208},{"text":"morning.","start":657.208,"end":657.607}]},{"text":"We live in interesting uncertain times that impacts financial markets, that impact the UN system, that may impact your personal and professional 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on this last slide of my presentation, let me outline a little bit the impact of the Middle east conflict over the last seven 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the spread on corporate credits widened.","start":1247.331,"end":1250.122,"topics":[],"words":[{"text":"However,","start":1247.331,"end":1247.73},{"text":"the","start":1247.73,"end":1248.128},{"text":"spread","start":1248.128,"end":1248.527},{"text":"on","start":1248.527,"end":1248.926},{"text":"corporate","start":1248.926,"end":1249.325},{"text":"credits","start":1249.325,"end":1249.723},{"text":"widened.","start":1249.723,"end":1250.122}]},{"text":"The monthly performance was actually almost 5% negative in March, but has been recovered during April entirely since the ceasefire took 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here I conclude Pauline, the introduction on investment management and of course we'll take some questions in a 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you very much.","start":1321.495,"end":1323.09,"topics":[],"words":[{"text":"Thank","start":1321.495,"end":1321.894},{"text":"you","start":1321.894,"end":1322.293},{"text":"very","start":1322.293,"end":1322.691},{"text":"much.","start":1322.691,"end":1323.09}]}]}],"speaker":{"name":"Robert Van Der Zee","affiliation":"OIM","affiliation_full":"OIM","group":null,"function":"Representative of the SG"}},{"statement_number":4,"paragraphs":[{"sentences":[{"text":"Thank you both.","start":1323.97,"end":1325.129,"topics":[],"words":[{"text":"Thank","start":1323.97,"end":1324.356},{"text":"you","start":1324.356,"end":1324.743},{"text":"both.","start":1324.743,"end":1325.129}]},{"text":"It's always really meaningful when we have time to share with both of you.","start":1325.129,"end":1330.537,"topics":[],"words":[{"text":"It's","start":1325.129,"end":1325.515},{"text":"always","start":1325.515,"end":1325.902},{"text":"really","start":1325.902,"end":1326.288},{"text":"meaningful","start":1326.288,"end":1326.674},{"text":"when","start":1326.674,"end":1327.061},{"text":"we","start":1327.061,"end":1327.447},{"text":"have","start":1327.447,"end":1327.833},{"text":"time","start":1327.833,"end":1328.22},{"text":"to","start":1328.22,"end":1328.606},{"text":"share","start":1328.606,"end":1328.992},{"text":"with","start":1328.992,"end":1329.378},{"text":"both","start":1329.378,"end":1329.765},{"text":"of","start":1329.765,"end":1330.151},{"text":"you.","start":1330.151,"end":1330.537}]},{"text":"I always learn a lot.","start":1330.537,"end":1332.469,"topics":[],"words":[{"text":"I","start":1330.537,"end":1330.924},{"text":"always","start":1330.924,"end":1331.31},{"text":"learn","start":1331.31,"end":1331.696},{"text":"a","start":1331.696,"end":1332.083},{"text":"lot.","start":1332.083,"end":1332.469}]},{"text":"Very comprehensive overview of the fund on both fronts.","start":1332.469,"end":1335.946,"topics":[],"words":[{"text":"Very","start":1332.469,"end":1332.855},{"text":"comprehensive","start":1332.855,"end":1333.242},{"text":"overview","start":1333.242,"end":1333.628},{"text":"of","start":1333.628,"end":1334.014},{"text":"the","start":1334.014,"end":1334.401},{"text":"fund","start":1334.401,"end":1334.787},{"text":"on","start":1334.787,"end":1335.173},{"text":"both","start":1335.173,"end":1335.56},{"text":"fronts.","start":1335.56,"end":1335.946}]},{"text":"Again, we are very grateful to all of you.","start":1335.946,"end":1339.423,"topics":[],"words":[{"text":"Again,","start":1335.946,"end":1336.332},{"text":"we","start":1336.332,"end":1336.719},{"text":"are","start":1336.719,"end":1337.105},{"text":"very","start":1337.105,"end":1337.491},{"text":"grateful","start":1337.491,"end":1337.878},{"text":"to","start":1337.878,"end":1338.264},{"text":"all","start":1338.264,"end":1338.65},{"text":"of","start":1338.65,"end":1339.036},{"text":"you.","start":1339.036,"end":1339.423}]},{"text":"We received about 60 questions.","start":1339.423,"end":1341.354,"topics":[],"words":[{"text":"We","start":1339.423,"end":1339.809},{"text":"received","start":1339.809,"end":1340.195},{"text":"about","start":1340.195,"end":1340.582},{"text":"60","start":1340.582,"end":1340.968},{"text":"questions.","start":1340.968,"end":1341.354}]},{"text":"Most of them were addressed in both of Your presentations and 25 are currently being addressed by our Client services colleagues as we speak and the most recurring ones will be 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my first question is to Rosemarie.","start":1353.717,"end":1356.421,"topics":[],"words":[{"text":"Now,","start":1353.717,"end":1354.103},{"text":"my","start":1354.103,"end":1354.489},{"text":"first","start":1354.489,"end":1354.876},{"text":"question","start":1354.876,"end":1355.262},{"text":"is","start":1355.262,"end":1355.648},{"text":"to","start":1355.648,"end":1356.035},{"text":"Rosemarie.","start":1356.035,"end":1356.421}]},{"text":"It's related to inflation.","start":1356.421,"end":1357.966,"topics":[],"words":[{"text":"It's","start":1356.421,"end":1356.807},{"text":"related","start":1356.807,"end":1357.194},{"text":"to","start":1357.194,"end":1357.58},{"text":"inflation.","start":1357.58,"end":1357.966}]},{"text":"We received lots of questions related to cost of living.","start":1357.966,"end":1361.829,"topics":[],"words":[{"text":"We","start":1357.966,"end":1358.352},{"text":"received","start":1358.352,"end":1358.739},{"text":"lots","start":1358.739,"end":1359.125},{"text":"of","start":1359.125,"end":1359.511},{"text":"questions","start":1359.511,"end":1359.898},{"text":"related","start":1359.898,"end":1360.284},{"text":"to","start":1360.284,"end":1360.67},{"text":"cost","start":1360.67,"end":1361.057},{"text":"of","start":1361.057,"end":1361.443},{"text":"living.","start":1361.443,"end":1361.829}]},{"text":"It seems that that's a real concern for all our clients right now.","start":1361.829,"end":1366.852,"topics":[],"words":[{"text":"It","start":1361.829,"end":1362.216},{"text":"seems","start":1362.216,"end":1362.602},{"text":"that","start":1362.602,"end":1362.988},{"text":"that's","start":1362.988,"end":1363.375},{"text":"a","start":1363.375,"end":1363.761},{"text":"real","start":1363.761,"end":1364.147},{"text":"concern","start":1364.147,"end":1364.534},{"text":"for","start":1364.534,"end":1364.92},{"text":"all","start":1364.92,"end":1365.306},{"text":"our","start":1365.306,"end":1365.693},{"text":"clients","start":1365.693,"end":1366.079},{"text":"right","start":1366.079,"end":1366.465},{"text":"now.","start":1366.465,"end":1366.852}]},{"text":"So what is the fund doing to mitigate inflation and higher costs of living?","start":1366.852,"end":1372.26,"topics":[],"words":[{"text":"So","start":1366.852,"end":1367.238},{"text":"what","start":1367.238,"end":1367.624},{"text":"is","start":1367.624,"end":1368.01},{"text":"the","start":1368.01,"end":1368.397},{"text":"fund","start":1368.397,"end":1368.783},{"text":"doing","start":1368.783,"end":1369.169},{"text":"to","start":1369.169,"end":1369.556},{"text":"mitigate","start":1369.556,"end":1369.942},{"text":"inflation","start":1369.942,"end":1370.328},{"text":"and","start":1370.328,"end":1370.715},{"text":"higher","start":1370.715,"end":1371.101},{"text":"costs","start":1371.101,"end":1371.487},{"text":"of","start":1371.487,"end":1371.874},{"text":"living?","start":1371.874,"end":1372.26}]}]}],"speaker":{"name":"Pauline Batista","affiliation":"UNJSPF","affiliation_full":"UNJSPF","group":null,"function":"Moderator"}},{"statement_number":5,"paragraphs":[{"sentences":[{"text":"Thank 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Thank you so much.","start":1426.04,"end":1428.573,"topics":[],"words":[{"text":"Excellent.","start":1426.04,"end":1426.547},{"text":"Thank","start":1426.547,"end":1427.053},{"text":"you","start":1427.053,"end":1427.56},{"text":"so","start":1427.56,"end":1428.067},{"text":"much.","start":1428.067,"end":1428.573}]},{"text":"So we also received a high number of questions related to survivors benefits.","start":1428.573,"end":1435.16,"topics":[],"words":[{"text":"So","start":1428.573,"end":1429.08},{"text":"we","start":1429.08,"end":1429.587},{"text":"also","start":1429.587,"end":1430.093},{"text":"received","start":1430.093,"end":1430.6},{"text":"a","start":1430.6,"end":1431.107},{"text":"high","start":1431.107,"end":1431.613},{"text":"number","start":1431.613,"end":1432.12},{"text":"of","start":1432.12,"end":1432.627},{"text":"questions","start":1432.627,"end":1433.133},{"text":"related","start":1433.133,"end":1433.64},{"text":"to","start":1433.64,"end":1434.147},{"text":"survivors","start":1434.147,"end":1434.653},{"text":"benefits.","start":1434.653,"end":1435.16}]},{"text":"What tools help survivors of the UNJSPF retirees to understand their entitlements?","start":1435.16,"end":1441.24,"topics":[],"words":[{"text":"What","start":1435.16,"end":1435.667},{"text":"tools","start":1435.667,"end":1436.173},{"text":"help","start":1436.173,"end":1436.68},{"text":"survivors","start":1436.68,"end":1437.187},{"text":"of","start":1437.187,"end":1437.693},{"text":"the","start":1437.693,"end":1438.2},{"text":"UNJSPF","start":1438.2,"end":1438.707},{"text":"retirees","start":1438.707,"end":1439.213},{"text":"to","start":1439.213,"end":1439.72},{"text":"understand","start":1439.72,"end":1440.227},{"text":"their","start":1440.227,"end":1440.733},{"text":"entitlements?","start":1440.733,"end":1441.24}]}]}],"speaker":{"name":"Pauline Batista","affiliation":"UNJSPF","affiliation_full":"UNJSPF","group":null,"function":"Moderator"}},{"statement_number":7,"paragraphs":[{"sentences":[{"text":"So, so in response to this question, and we've had this in the past, we now have a dedicated survivor benefit page with eligibility required documents, benefit types.","start":1442.84,"end":1455.265,"topics":[{"key":"transparency-participant-outreach","label":"Transparency and Participant Outreach","description":"Both speakers highlighted the importance of transparent reporting and accessible communication with members, retirees, and other stakeholders. 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McLean","affiliation":"UNJSPF","affiliation_full":"UNJSPF","group":null,"function":"Chief Executive of Pension Administration"}},{"statement_number":8,"paragraphs":[{"sentences":[{"text":"Great.","start":1489.02,"end":1489.461,"topics":[],"words":[{"text":"Great.","start":1489.02,"end":1489.461}]},{"text":"Do we have time for a third question?","start":1489.461,"end":1492.987,"topics":[],"words":[{"text":"Do","start":1489.461,"end":1489.902},{"text":"we","start":1489.902,"end":1490.342},{"text":"have","start":1490.342,"end":1490.783},{"text":"time","start":1490.783,"end":1491.224},{"text":"for","start":1491.224,"end":1491.665},{"text":"a","start":1491.665,"end":1492.105},{"text":"third","start":1492.105,"end":1492.546},{"text":"question?","start":1492.546,"end":1492.987}]},{"text":"Colleagues, thank you.","start":1492.987,"end":1494.309,"topics":[],"words":[{"text":"Colleagues,","start":1492.987,"end":1493.428},{"text":"thank","start":1493.428,"end":1493.868},{"text":"you.","start":1493.868,"end":1494.309}]},{"text":"Just checking.","start":1494.309,"end":1495.191,"topics":[],"words":[{"text":"Just","start":1494.309,"end":1494.75},{"text":"checking.","start":1494.75,"end":1495.191}]},{"text":"So again, Rosemarie, another prevalent question, this is one that appears very often, is related to retirement age.","start":1495.191,"end":1503.125,"topics":[],"words":[{"text":"So","start":1495.191,"end":1495.632},{"text":"again,","start":1495.632,"end":1496.072},{"text":"Rosemarie,","start":1496.072,"end":1496.513},{"text":"another","start":1496.513,"end":1496.954},{"text":"prevalent","start":1496.954,"end":1497.395},{"text":"question,","start":1497.395,"end":1497.835},{"text":"this","start":1497.835,"end":1498.276},{"text":"is","start":1498.276,"end":1498.717},{"text":"one","start":1498.717,"end":1499.158},{"text":"that","start":1499.158,"end":1499.598},{"text":"appears","start":1499.598,"end":1500.039},{"text":"very","start":1500.039,"end":1500.48},{"text":"often,","start":1500.48,"end":1500.921},{"text":"is","start":1500.921,"end":1501.362},{"text":"related","start":1501.362,"end":1501.802},{"text":"to","start":1501.802,"end":1502.243},{"text":"retirement","start":1502.243,"end":1502.684},{"text":"age.","start":1502.684,"end":1503.125}]},{"text":"The question is, can I retire before I reach my normal retirement age and how does that impact my benefits?","start":1503.125,"end":1511.94,"topics":[],"words":[{"text":"The","start":1503.125,"end":1503.565},{"text":"question","start":1503.565,"end":1504.006},{"text":"is,","start":1504.006,"end":1504.447},{"text":"can","start":1504.447,"end":1504.888},{"text":"I","start":1504.888,"end":1505.328},{"text":"retire","start":1505.328,"end":1505.769},{"text":"before","start":1505.769,"end":1506.21},{"text":"I","start":1506.21,"end":1506.651},{"text":"reach","start":1506.651,"end":1507.092},{"text":"my","start":1507.092,"end":1507.532},{"text":"normal","start":1507.532,"end":1507.973},{"text":"retirement","start":1507.973,"end":1508.414},{"text":"age","start":1508.414,"end":1508.855},{"text":"and","start":1508.855,"end":1509.295},{"text":"how","start":1509.295,"end":1509.736},{"text":"does","start":1509.736,"end":1510.177},{"text":"that","start":1510.177,"end":1510.618},{"text":"impact","start":1510.618,"end":1511.058},{"text":"my","start":1511.058,"end":1511.499},{"text":"benefits?","start":1511.499,"end":1511.94}]}]}],"speaker":{"name":"Pauline Batista","affiliation":"UNJSPF","affiliation_full":"UNJSPF","group":null,"function":"Moderator"}},{"statement_number":9,"paragraphs":[{"sentences":[{"text":"Yes, that is a very, very common question.","start":1513.06,"end":1516.277,"topics":[],"words":[{"text":"Yes,","start":1513.06,"end":1513.462},{"text":"that","start":1513.462,"end":1513.864},{"text":"is","start":1513.864,"end":1514.266},{"text":"a","start":1514.266,"end":1514.668},{"text":"very,","start":1514.668,"end":1515.07},{"text":"very","start":1515.07,"end":1515.473},{"text":"common","start":1515.473,"end":1515.875},{"text":"question.","start":1515.875,"end":1516.277}]},{"text":"And the answer is yes.","start":1516.277,"end":1518.287,"topics":[],"words":[{"text":"And","start":1516.277,"end":1516.679},{"text":"the","start":1516.679,"end":1517.081},{"text":"answer","start":1517.081,"end":1517.483},{"text":"is","start":1517.483,"end":1517.885},{"text":"yes.","start":1517.885,"end":1518.287}]},{"text":"If you have at least five years of contributory service, you can't.","start":1518.287,"end":1523.112,"topics":[],"words":[{"text":"If","start":1518.287,"end":1518.689},{"text":"you","start":1518.689,"end":1519.091},{"text":"have","start":1519.091,"end":1519.493},{"text":"at","start":1519.493,"end":1519.896},{"text":"least","start":1519.896,"end":1520.298},{"text":"five","start":1520.298,"end":1520.7},{"text":"years","start":1520.7,"end":1521.102},{"text":"of","start":1521.102,"end":1521.504},{"text":"contributory","start":1521.504,"end":1521.906},{"text":"service,","start":1521.906,"end":1522.308},{"text":"you","start":1522.308,"end":1522.71},{"text":"can't.","start":1522.71,"end":1523.112}]},{"text":"At that point you're considered vested in terms of your pension rights and you can elect an early retirement benefit.","start":1523.112,"end":1531.154,"topics":[],"words":[{"text":"At","start":1523.112,"end":1523.514},{"text":"that","start":1523.514,"end":1523.917},{"text":"point","start":1523.917,"end":1524.319},{"text":"you're","start":1524.319,"end":1524.721},{"text":"considered","start":1524.721,"end":1525.123},{"text":"vested","start":1525.123,"end":1525.525},{"text":"in","start":1525.525,"end":1525.927},{"text":"terms","start":1525.927,"end":1526.329},{"text":"of","start":1526.329,"end":1526.731},{"text":"your","start":1526.731,"end":1527.133},{"text":"pension","start":1527.133,"end":1527.535},{"text":"rights","start":1527.535,"end":1527.937},{"text":"and","start":1527.937,"end":1528.34},{"text":"you","start":1528.34,"end":1528.742},{"text":"can","start":1528.742,"end":1529.144},{"text":"elect","start":1529.144,"end":1529.546},{"text":"an","start":1529.546,"end":1529.948},{"text":"early","start":1529.948,"end":1530.35},{"text":"retirement","start":1530.35,"end":1530.752},{"text":"benefit.","start":1530.752,"end":1531.154}]},{"text":"And that applies if you're younger than your normal retirement age, which is 60, 62 or 65, depending on the date you joined the fund.","start":1531.154,"end":1541.207,"topics":[],"words":[{"text":"And","start":1531.154,"end":1531.556},{"text":"that","start":1531.556,"end":1531.958},{"text":"applies","start":1531.958,"end":1532.36},{"text":"if","start":1532.36,"end":1532.763},{"text":"you're","start":1532.763,"end":1533.165},{"text":"younger","start":1533.165,"end":1533.567},{"text":"than","start":1533.567,"end":1533.969},{"text":"your","start":1533.969,"end":1534.371},{"text":"normal","start":1534.371,"end":1534.773},{"text":"retirement","start":1534.773,"end":1535.175},{"text":"age,","start":1535.175,"end":1535.577},{"text":"which","start":1535.577,"end":1535.979},{"text":"is","start":1535.979,"end":1536.381},{"text":"60,","start":1536.381,"end":1536.783},{"text":"62","start":1536.783,"end":1537.186},{"text":"or","start":1537.186,"end":1537.588},{"text":"65,","start":1537.588,"end":1537.99},{"text":"depending","start":1537.99,"end":1538.392},{"text":"on","start":1538.392,"end":1538.794},{"text":"the","start":1538.794,"end":1539.196},{"text":"date","start":1539.196,"end":1539.598},{"text":"you","start":1539.598,"end":1540},{"text":"joined","start":1540,"end":1540.402},{"text":"the","start":1540.402,"end":1540.804},{"text":"fund.","start":1540.804,"end":1541.207}]},{"text":"You have to be at least 55 years of age if you joined before the 1st of January 2014 and 58 if you joined after January 2014.","start":1541.207,"end":1552.063,"topics":[],"words":[{"text":"You","start":1541.207,"end":1541.609},{"text":"have","start":1541.609,"end":1542.011},{"text":"to","start":1542.011,"end":1542.413},{"text":"be","start":1542.413,"end":1542.815},{"text":"at","start":1542.815,"end":1543.217},{"text":"least","start":1543.217,"end":1543.619},{"text":"55","start":1543.619,"end":1544.021},{"text":"years","start":1544.021,"end":1544.423},{"text":"of","start":1544.423,"end":1544.825},{"text":"age","start":1544.825,"end":1545.227},{"text":"if","start":1545.227,"end":1545.63},{"text":"you","start":1545.63,"end":1546.032},{"text":"joined","start":1546.032,"end":1546.434},{"text":"before","start":1546.434,"end":1546.836},{"text":"the","start":1546.836,"end":1547.238},{"text":"1st","start":1547.238,"end":1547.64},{"text":"of","start":1547.64,"end":1548.042},{"text":"January","start":1548.042,"end":1548.444},{"text":"2014","start":1548.444,"end":1548.846},{"text":"and","start":1548.846,"end":1549.248},{"text":"58","start":1549.248,"end":1549.65},{"text":"if","start":1549.65,"end":1550.053},{"text":"you","start":1550.053,"end":1550.455},{"text":"joined","start":1550.455,"end":1550.857},{"text":"after","start":1550.857,"end":1551.259},{"text":"January","start":1551.259,"end":1551.661},{"text":"2014.","start":1551.661,"end":1552.063}]},{"text":"There's also deferred retirement benefit if you're younger than your normal retirement age.","start":1552.063,"end":1557.29,"topics":[],"words":[{"text":"There's","start":1552.063,"end":1552.465},{"text":"also","start":1552.465,"end":1552.867},{"text":"deferred","start":1552.867,"end":1553.269},{"text":"retirement","start":1553.269,"end":1553.671},{"text":"benefit","start":1553.671,"end":1554.073},{"text":"if","start":1554.073,"end":1554.476},{"text":"you're","start":1554.476,"end":1554.878},{"text":"younger","start":1554.878,"end":1555.28},{"text":"than","start":1555.28,"end":1555.682},{"text":"your","start":1555.682,"end":1556.084},{"text":"normal","start":1556.084,"end":1556.486},{"text":"retirement","start":1556.486,"end":1556.888},{"text":"age.","start":1556.888,"end":1557.29}]},{"text":"But I would really encourage everyone to go to our member self service portal and run an estimate for yourself so that you know exactly what you would be eligible for based on your individual circumstances stance.","start":1557.29,"end":1572.168,"topics":[{"key":"service-delivery-modernization","label":"Service Delivery Modernization","description":"The fund’s modernization of administration and client services was a recurring topic, including automation, digital forms, self-service tools, stronger data management, and use of AI. These reforms were presented as improving processing speed, accuracy, and overall support to participants and beneficiaries."},{"key":"transparency-participant-outreach","label":"Transparency and Participant Outreach","description":"Both speakers highlighted the importance of transparent reporting and accessible communication with members, retirees, and other stakeholders. 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These reforms were presented as improving processing speed, accuracy, and overall support to participants and beneficiaries."}],"words":[{"text":"It's","start":1572.168,"end":1572.57},{"text":"a","start":1572.57,"end":1572.972},{"text":"really","start":1572.972,"end":1573.374},{"text":"easy","start":1573.374,"end":1573.776},{"text":"to","start":1573.776,"end":1574.178},{"text":"use","start":1574.178,"end":1574.58},{"text":"tool","start":1574.58,"end":1574.982},{"text":"and","start":1574.982,"end":1575.384},{"text":"provides","start":1575.384,"end":1575.787},{"text":"valuable","start":1575.787,"end":1576.189},{"text":"information.","start":1576.189,"end":1576.591}]},{"text":"So check that out as well as our benefit option page on the website.","start":1576.591,"end":1582.22,"topics":[{"key":"transparency-participant-outreach","label":"Transparency and Participant Outreach","description":"Both speakers highlighted the importance of transparent reporting and accessible communication with members, retirees, and other stakeholders. This included town halls, website updates, performance reporting, multiple contact channels, and efforts to help participants better understand their pension rights."}],"words":[{"text":"So","start":1576.591,"end":1576.993},{"text":"check","start":1576.993,"end":1577.395},{"text":"that","start":1577.395,"end":1577.797},{"text":"out","start":1577.797,"end":1578.199},{"text":"as","start":1578.199,"end":1578.601},{"text":"well","start":1578.601,"end":1579.003},{"text":"as","start":1579.003,"end":1579.405},{"text":"our","start":1579.405,"end":1579.807},{"text":"benefit","start":1579.807,"end":1580.21},{"text":"option","start":1580.21,"end":1580.612},{"text":"page","start":1580.612,"end":1581.014},{"text":"on","start":1581.014,"end":1581.416},{"text":"the","start":1581.416,"end":1581.818},{"text":"website.","start":1581.818,"end":1582.22}]}]}],"speaker":{"name":"Rosemary McLean","affiliation":"UNJSPF","affiliation_full":"UNJSPF","group":null,"function":"Chief Executive of Pension Administration"}},{"statement_number":10,"paragraphs":[{"sentences":[{"text":"Excellent. Thank you so much Rosemarie.","start":1583.74,"end":1586.642,"topics":[],"words":[{"text":"Excellent.","start":1583.74,"end":1584.224},{"text":"Thank","start":1584.224,"end":1584.707},{"text":"you","start":1584.707,"end":1585.191},{"text":"so","start":1585.191,"end":1585.675},{"text":"much","start":1585.675,"end":1586.158},{"text":"Rosemarie.","start":1586.158,"end":1586.642}]},{"text":"Now my next questions are to Rob.","start":1586.642,"end":1590.027,"topics":[],"words":[{"text":"Now","start":1586.642,"end":1587.125},{"text":"my","start":1587.125,"end":1587.609},{"text":"next","start":1587.609,"end":1588.093},{"text":"questions","start":1588.093,"end":1588.576},{"text":"are","start":1588.576,"end":1589.06},{"text":"to","start":1589.06,"end":1589.544},{"text":"Rob.","start":1589.544,"end":1590.027}]},{"text":"The first question, I mean we received a lot, lots of different questions related to safety of investment.","start":1590.027,"end":1598.733,"topics":[],"words":[{"text":"The","start":1590.027,"end":1590.511},{"text":"first","start":1590.511,"end":1590.995},{"text":"question,","start":1590.995,"end":1591.478},{"text":"I","start":1591.478,"end":1591.962},{"text":"mean","start":1591.962,"end":1592.445},{"text":"we","start":1592.445,"end":1592.929},{"text":"received","start":1592.929,"end":1593.413},{"text":"a","start":1593.413,"end":1593.896},{"text":"lot,","start":1593.896,"end":1594.38},{"text":"lots","start":1594.38,"end":1594.864},{"text":"of","start":1594.864,"end":1595.347},{"text":"different","start":1595.347,"end":1595.831},{"text":"questions","start":1595.831,"end":1596.315},{"text":"related","start":1596.315,"end":1596.798},{"text":"to","start":1596.798,"end":1597.282},{"text":"safety","start":1597.282,"end":1597.765},{"text":"of","start":1597.765,"end":1598.249},{"text":"investment.","start":1598.249,"end":1598.733}]},{"text":"Can you speak about how secure the investments of the UNJSPF are please?","start":1598.733,"end":1605.02,"topics":[],"words":[{"text":"Can","start":1598.733,"end":1599.216},{"text":"you","start":1599.216,"end":1599.7},{"text":"speak","start":1599.7,"end":1600.184},{"text":"about","start":1600.184,"end":1600.667},{"text":"how","start":1600.667,"end":1601.151},{"text":"secure","start":1601.151,"end":1601.635},{"text":"the","start":1601.635,"end":1602.118},{"text":"investments","start":1602.118,"end":1602.602},{"text":"of","start":1602.602,"end":1603.085},{"text":"the","start":1603.085,"end":1603.569},{"text":"UNJSPF","start":1603.569,"end":1604.053},{"text":"are","start":1604.053,"end":1604.536},{"text":"please?","start":1604.536,"end":1605.02}]}]}],"speaker":{"name":"Pauline Batista","affiliation":"UNJSPF","affiliation_full":"UNJSPF","group":null,"function":"Moderator"}},{"statement_number":11,"paragraphs":[{"sentences":[{"text":"Thank you Pauline.","start":1607.26,"end":1608.38,"topics":[],"words":[{"text":"Thank","start":1607.26,"end":1607.633},{"text":"you","start":1607.633,"end":1608.006},{"text":"Pauline.","start":1608.006,"end":1608.38}]},{"text":"Of course a key question, probably the first question that everybody has on their mind when looking at investments and let me try not to be too technical, but I will focus on the first bullet on this slide, particularly the second sentence.","start":1608.38,"end":1624.427,"topics":[{"key":"long-term-investment-stewardship","label":"Long-Term Investment Stewardship","description":"A major theme was the fund’s long-term investment approach, including strategic asset allocation, liquidity management, and disciplined investing to generate sufficient returns over decades. 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Thank you so much.","start":1768.21,"end":1770.472,"topics":[],"words":[{"text":"Excellent.","start":1768.21,"end":1768.662},{"text":"Thank","start":1768.662,"end":1769.115},{"text":"you","start":1769.115,"end":1769.567},{"text":"so","start":1769.567,"end":1770.02},{"text":"much.","start":1770.02,"end":1770.472}]},{"text":"We also received a number of questions related to investment restrictions.","start":1770.472,"end":1775.449,"topics":[],"words":[{"text":"We","start":1770.472,"end":1770.924},{"text":"also","start":1770.924,"end":1771.377},{"text":"received","start":1771.377,"end":1771.829},{"text":"a","start":1771.829,"end":1772.282},{"text":"number","start":1772.282,"end":1772.734},{"text":"of","start":1772.734,"end":1773.187},{"text":"questions","start":1773.187,"end":1773.639},{"text":"related","start":1773.639,"end":1774.091},{"text":"to","start":1774.091,"end":1774.544},{"text":"investment","start":1774.544,"end":1774.996},{"text":"restrictions.","start":1774.996,"end":1775.449}]},{"text":"So the question simply reads, does the Fund have restrictions on its investments?","start":1775.449,"end":1781.33,"topics":[],"words":[{"text":"So","start":1775.449,"end":1775.901},{"text":"the","start":1775.901,"end":1776.353},{"text":"question","start":1776.353,"end":1776.806},{"text":"simply","start":1776.806,"end":1777.258},{"text":"reads,","start":1777.258,"end":1777.711},{"text":"does","start":1777.711,"end":1778.163},{"text":"the","start":1778.163,"end":1778.616},{"text":"Fund","start":1778.616,"end":1779.068},{"text":"have","start":1779.068,"end":1779.52},{"text":"restrictions","start":1779.52,"end":1779.973},{"text":"on","start":1779.973,"end":1780.425},{"text":"its","start":1780.425,"end":1780.878},{"text":"investments?","start":1780.878,"end":1781.33}]}]}],"speaker":{"name":"Pauline Batista","affiliation":"UNJSPF","affiliation_full":"UNJSPF","group":null,"function":"Moderator"}},{"statement_number":13,"paragraphs":[{"sentences":[{"text":"The answer is yes, but you probably want to know a little bit more about that.","start":1783.97,"end":1791.318,"topics":[],"words":[{"text":"The","start":1783.97,"end":1784.429},{"text":"answer","start":1784.429,"end":1784.889},{"text":"is","start":1784.889,"end":1785.348},{"text":"yes,","start":1785.348,"end":1785.807},{"text":"but","start":1785.807,"end":1786.266},{"text":"you","start":1786.266,"end":1786.726},{"text":"probably","start":1786.726,"end":1787.185},{"text":"want","start":1787.185,"end":1787.644},{"text":"to","start":1787.644,"end":1788.103},{"text":"know","start":1788.103,"end":1788.563},{"text":"a","start":1788.563,"end":1789.022},{"text":"little","start":1789.022,"end":1789.481},{"text":"bit","start":1789.481,"end":1789.94},{"text":"more","start":1789.94,"end":1790.4},{"text":"about","start":1790.4,"end":1790.859},{"text":"that.","start":1790.859,"end":1791.318}]},{"text":"Of course, I mentioned earlier that our investment policy statement is the framework for our eligible investment universe and risk management.","start":1791.318,"end":1800.962,"topics":[{"key":"fund-governance-framework","label":"Fund Governance Framework","description":"The statements addressed the institutional framework governing the fund, including the Pension Board, the Secretary-General’s delegated investment authority, investment committees, and fiduciary responsibilities. 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changes.","start":1955.275,"end":1962.945,"topics":[],"words":[{"text":"And","start":1955.275,"end":1955.786},{"text":"so","start":1955.786,"end":1956.298},{"text":"considering","start":1956.298,"end":1956.809},{"text":"the","start":1956.809,"end":1957.32},{"text":"current","start":1957.32,"end":1957.832},{"text":"global","start":1957.832,"end":1958.343},{"text":"situation,","start":1958.343,"end":1958.855},{"text":"political","start":1958.855,"end":1959.366},{"text":"Turmoil,","start":1959.366,"end":1959.877},{"text":"financial","start":1959.877,"end":1960.389},{"text":"instability","start":1960.389,"end":1960.9},{"text":"and","start":1960.9,"end":1961.411},{"text":"rapid","start":1961.411,"end":1961.923},{"text":"economic","start":1961.923,"end":1962.434},{"text":"changes.","start":1962.434,"end":1962.945}]},{"text":"How do you, either of you, assess the financial position of the unjsbf, its solvency and its liabilities?","start":1962.945,"end":1972.15,"topics":[],"words":[{"text":"How","start":1962.945,"end":1963.457},{"text":"do","start":1963.457,"end":1963.968},{"text":"you,","start":1963.968,"end":1964.48},{"text":"either","start":1964.48,"end":1964.991},{"text":"of","start":1964.991,"end":1965.502},{"text":"you,","start":1965.502,"end":1966.014},{"text":"assess","start":1966.014,"end":1966.525},{"text":"the","start":1966.525,"end":1967.036},{"text":"financial","start":1967.036,"end":1967.548},{"text":"position","start":1967.548,"end":1968.059},{"text":"of","start":1968.059,"end":1968.57},{"text":"the","start":1968.57,"end":1969.082},{"text":"unjsbf,","start":1969.082,"end":1969.593},{"text":"its","start":1969.593,"end":1970.105},{"text":"solvency","start":1970.105,"end":1970.616},{"text":"and","start":1970.616,"end":1971.127},{"text":"its","start":1971.127,"end":1971.639},{"text":"liabilities?","start":1971.639,"end":1972.15}]}]}],"speaker":{"name":"Pauline Batista","affiliation":"UNJSPF","affiliation_full":"UNJSPF","group":null,"function":"Moderator"}},{"statement_number":15,"paragraphs":[{"sentences":[{"text":"Thank you, Pauline.","start":1975.11,"end":1976.302,"topics":[],"words":[{"text":"Thank","start":1975.11,"end":1975.507},{"text":"you,","start":1975.507,"end":1975.905},{"text":"Pauline.","start":1975.905,"end":1976.302}]},{"text":"I think I'll take this one again.","start":1976.302,"end":1979.084,"topics":[],"words":[{"text":"I","start":1976.302,"end":1976.7},{"text":"think","start":1976.7,"end":1977.097},{"text":"I'll","start":1977.097,"end":1977.495},{"text":"take","start":1977.495,"end":1977.892},{"text":"this","start":1977.892,"end":1978.29},{"text":"one","start":1978.29,"end":1978.687},{"text":"again.","start":1978.687,"end":1979.084}]},{"text":"Perhaps Rosemary may add to that.","start":1979.084,"end":1981.469,"topics":[],"words":[{"text":"Perhaps","start":1979.084,"end":1979.482},{"text":"Rosemary","start":1979.482,"end":1979.879},{"text":"may","start":1979.879,"end":1980.277},{"text":"add","start":1980.277,"end":1980.674},{"text":"to","start":1980.674,"end":1981.072},{"text":"that.","start":1981.072,"end":1981.469}]},{"text":"I think we're, we're sort of.","start":1981.469,"end":1983.854,"topics":[],"words":[{"text":"I","start":1981.469,"end":1981.866},{"text":"think","start":1981.866,"end":1982.264},{"text":"we're,","start":1982.264,"end":1982.661},{"text":"we're","start":1982.661,"end":1983.059},{"text":"sort","start":1983.059,"end":1983.456},{"text":"of.","start":1983.456,"end":1983.854}]},{"text":"Let me first refer to the opening slides of Rosemary's presentation because I think that's where she addressed the financial solvency and the strength of the fund.","start":1983.854,"end":1994.585,"topics":[{"key":"pension-fund-solvency","label":"Pension 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the colleagues in Geneva, Bangkok and Nairobi.","start":2089.97,"end":2093.15,"topics":[],"words":[{"text":"Also","start":2089.97,"end":2090.368},{"text":"the","start":2090.368,"end":2090.765},{"text":"colleagues","start":2090.765,"end":2091.162},{"text":"in","start":2091.162,"end":2091.56},{"text":"Geneva,","start":2091.56,"end":2091.957},{"text":"Bangkok","start":2091.957,"end":2092.355},{"text":"and","start":2092.355,"end":2092.752},{"text":"Nairobi.","start":2092.752,"end":2093.15}]},{"text":"And it's a pleasure to support the fund.","start":2093.15,"end":2096.329,"topics":[],"words":[{"text":"And","start":2093.15,"end":2093.547},{"text":"it's","start":2093.547,"end":2093.945},{"text":"a","start":2093.945,"end":2094.342},{"text":"pleasure","start":2094.342,"end":2094.739},{"text":"to","start":2094.739,"end":2095.137},{"text":"support","start":2095.137,"end":2095.534},{"text":"the","start":2095.534,"end":2095.932},{"text":"fund.","start":2095.932,"end":2096.329}]},{"text":"I have to 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we have many stakeholders, retirees, active participants and hopefully this has helped in our communication with that community.","start":2112.227,"end":2119.778,"topics":[{"key":"transparency-participant-outreach","label":"Transparency and Participant Outreach","description":"Both speakers highlighted the importance of transparent reporting and accessible communication with members, retirees, and other stakeholders. 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you very much, Pauline.","start":2209.208,"end":2210.92,"topics":[],"words":[{"text":"Thank","start":2209.208,"end":2209.551},{"text":"you","start":2209.551,"end":2209.893},{"text":"very","start":2209.893,"end":2210.235},{"text":"much,","start":2210.235,"end":2210.578},{"text":"Pauline.","start":2210.578,"end":2210.92}]}]}],"speaker":{"name":"Robert Van Der Zee","affiliation":"OIM","affiliation_full":"OIM","group":null,"function":"Representative of the SG"}},{"statement_number":19,"paragraphs":[{"sentences":[{"text":"Thank you both.","start":2212.2,"end":2213.284,"topics":[],"words":[{"text":"Thank","start":2212.2,"end":2212.561},{"text":"you","start":2212.561,"end":2212.923},{"text":"both.","start":2212.923,"end":2213.284}]},{"text":"That was very 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Rosemary.","start":2218.343,"end":2219.788,"topics":[],"words":[{"text":"Again,","start":2218.343,"end":2218.704},{"text":"thank","start":2218.704,"end":2219.065},{"text":"you,","start":2219.065,"end":2219.427},{"text":"Rosemary.","start":2219.427,"end":2219.788}]},{"text":"Thank you, Robert.","start":2219.788,"end":2220.872,"topics":[],"words":[{"text":"Thank","start":2219.788,"end":2220.149},{"text":"you,","start":2220.149,"end":2220.511},{"text":"Robert.","start":2220.511,"end":2220.872}]},{"text":"And of course to all of you who joined us today, thank you for your time and for your 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please fill out a short survey about today's session is right on the 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feedback is very important to us.","start":2251.585,"end":2254.114,"topics":[],"words":[{"text":"Your","start":2251.585,"end":2251.946},{"text":"feedback","start":2251.946,"end":2252.307},{"text":"is","start":2252.307,"end":2252.669},{"text":"very","start":2252.669,"end":2253.03},{"text":"important","start":2253.03,"end":2253.391},{"text":"to","start":2253.391,"end":2253.753},{"text":"us.","start":2253.753,"end":2254.114}]},{"text":"We also invite you to participate in our upcoming pension information 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LinkedIn.","start":2258.45,"end":2266.038,"topics":[],"words":[{"text":"You","start":2258.45,"end":2258.811},{"text":"can","start":2258.811,"end":2259.173},{"text":"go","start":2259.173,"end":2259.534},{"text":"to","start":2259.534,"end":2259.895},{"text":"our","start":2259.895,"end":2260.256},{"text":"website","start":2260.256,"end":2260.618},{"text":"to","start":2260.618,"end":2260.979},{"text":"learn","start":2260.979,"end":2261.34},{"text":"more","start":2261.34,"end":2261.702},{"text":"about","start":2261.702,"end":2262.063},{"text":"that","start":2262.063,"end":2262.424},{"text":"and","start":2262.424,"end":2262.786},{"text":"I","start":2262.786,"end":2263.147},{"text":"also","start":2263.147,"end":2263.508},{"text":"invite","start":2263.508,"end":2263.87},{"text":"you","start":2263.87,"end":2264.231},{"text":"to","start":2264.231,"end":2264.592},{"text":"follow","start":2264.592,"end":2264.954},{"text":"us","start":2264.954,"end":2265.315},{"text":"on","start":2265.315,"end":2265.676},{"text":"LinkedIn.","start":2265.676,"end":2266.038}]},{"text":"It is never too early to know your pension.","start":2266.038,"end":2269.29,"topics":[],"words":[{"text":"It","start":2266.038,"end":2266.399},{"text":"is","start":2266.399,"end":2266.76},{"text":"never","start":2266.76,"end":2267.122},{"text":"too","start":2267.122,"end":2267.483},{"text":"early","start":2267.483,"end":2267.844},{"text":"to","start":2267.844,"end":2268.206},{"text":"know","start":2268.206,"end":2268.567},{"text":"your","start":2268.567,"end":2268.928},{"text":"pension.","start":2268.928,"end":2269.29}]},{"text":"We also have a WhatsApp channel, a YouTube channel, very active.","start":2269.29,"end":2273.264,"topics":[],"words":[{"text":"We","start":2269.29,"end":2269.651},{"text":"also","start":2269.651,"end":2270.012},{"text":"have","start":2270.012,"end":2270.374},{"text":"a","start":2270.374,"end":2270.735},{"text":"WhatsApp","start":2270.735,"end":2271.096},{"text":"channel,","start":2271.096,"end":2271.458},{"text":"a","start":2271.458,"end":2271.819},{"text":"YouTube","start":2271.819,"end":2272.18},{"text":"channel,","start":2272.18,"end":2272.542},{"text":"very","start":2272.542,"end":2272.903},{"text":"active.","start":2272.903,"end":2273.264}]},{"text":"And please visit our website for updates, guidance and of course, if you have further questions beyond the questions we've addressed 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you again.","start":2281.213,"end":2282.297,"topics":[],"words":[{"text":"Thank","start":2281.213,"end":2281.575},{"text":"you","start":2281.575,"end":2281.936},{"text":"again.","start":2281.936,"end":2282.297}]},{"text":"Take care and we look forward to seeing you at the next global town 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