Retirement Planning

Up to Retirement

Join a retirement fund provided by your employer

  Retirement Annuity

    • Supplement your employer’s retirement fund.
    • Grow your retirement money while benefiting from tax incentives

Minimum Investment

    • From R 50 000 lump sum, from R 100 per month.

Investment Period

    • Access your benefits from age 55.

Features

    • Deduct the money you invest from tax-free growth.
    • Wide choice of investment funds and solutions to suit your needs and goals.

Changing Jobs

Preserve and grow your retirement money when you change employers

Minimum Contribution
From R 50 000 lump sum
Investment Period
Access your benefits from age 55
Features
Enjoy tax-free growth
Wide choice of investment funds and solutions to suit your needs and goals

At Retirement

When you retire, you have to use at least two- thirds of your retirement savings in your retirement fund to purchase an annuity, subject to certain exceptions.

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Life Annuity

  • Guarantees you a specified income fr the rest of your life, and you don’t make any investment decisions
  • Your income will be be paid for as long as you live
  • If you die, the part of the annuity that would have been paid until the end of the guaranteed term will be paid to your nominated beneficiaries
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Living Annuity

  • Offers you flexibility to decide how you want to invest your retirement savings and how much income you want to receive, within certain limits
  • Your income will stop once the capital is depleted
  • If you die while there is still a portion of your capital left, it will be paid to your nominated beneficiaries
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Wealth Management

  • Ask our Advisors to suggest investment solutions for your one-third retirement payout that would meet you goals