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page.keywordsEmployee benefits, Medical aid for employees, Retirement annuities for employees, Group insurance, Business short-term insurance, Key person life insurance, Workplace health and wellness
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FundsAtWork Investments and Savings

FundsAtWork helps to take care of your employees’ financial goals pre and post-retirement. Our investment philosophy optimises the probability of employees reaching their retirement savings goals.

  • We offer a wide range of investment portfolios to choose from.
  • Help your employees stay invested for maximum returns.
  • Choice of annuity options at retirement.

Types of investment portfolios

The investment portfolios available in each product option are carefully selected and are Regulation 28 compliant. The main purpose of Regulation 28 of the Pension Fund Act is to protect your employees’ retirement savings by limiting the maximum exposure to more risky asset classes.

Employees also have the option to switch to investment portfolios of their choice, except for the FundsAtWork Core option.

Learn more about the list of available investment portfolios and the fund fact sheets.

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Investment flexibility

Employees on Founder, Provider or Entrepreneur have the option to switch to investment portfolios of their choice. Core members' contributions are invested in an investment portfolio, and have no option to switch.

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Your employees want to feel secure knowing they have a regular income during retirement. We offer the full range of annuity solutions which can meet their different needs and requirements.

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Many more South Africans will be able to retire financially independent or maintain their standard of living if they preserve their retirement savings when changing jobs. We help members to increase their probability of retiring comfortably with the Momentum Corporate Preservation Fund.

Fund fact sheets

Fund fact sheets are monthly investment portfolio reports that show assets allocation, market performance and top holdings. We add new fund fact sheets every month to our resource centre for you to download.

Our Smart Solutions guide employees to financial success

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Encourage employees to
preserve their retirement
savings when they resign

When an employee resigns, they can see the current value of their retirement savings and how much will be available at retirement if they preserve their money. They will also see how much tax they will pay if they take their retirement savings in cash. This way they become empowered to make better decisions and keep their savings invested.

Close up of a lady's hands holding a cell phone viewing her annuity options using FundsAtWork's Smart Retirement tool.

A user-friendly platform to
help your employees
understand their options at

It educates employees on the various annuity options available when they retire, and gives them the opportunity to see the impact of different decisions on their retirement. It’s aligned to the Fund's annuity strategy and supported by our Smart Counsel services.

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An innovative service
designed to encourage
choices that improve your
employees’ financial goals

Employees have access to a professional benefit counselling service to ensure they have the right information, at the right time, so that they can make the right decisions for their personal financial situation.

Want to know more?

What happens when an employee retires?

Your employee must buy an annuity with their retirement savings to provide them with a monthly income during retirement. As part of government’s retirement default regulations, all funds are required to have an annuity strategy in place. The trustees of the FundsAtWork Umbrella Funds have chosen the Golden Income With-Profit Annuity as their annuity strategy as it meets the needs of most pensioners. Employees can select this annuity option or any other annuity offered by Momentum.
What are my employees’ options when they change jobs?

They can cash out their retirement savings, keep their retirement savings in the Umbrella Fund when leaving their employer as paid-up members, or move their retirement savings to the Momentum Corporate Preservation Fund. Members are encouraged to preserve their retirement savings and should contact their financial adviser before making a decision.
How can my employees make sure they have enough money at retirement?

There are various ways employees can boost their retirement savings, such as increase their contribution rate, choose an investment portfolio that targets a higher return, keep their retirement savings invested when they change employers or make additional voluntary contributions.

Want a brochure?

Download the
FundsAtWork brochure.

Need advice?

Get one of our financial
advisers to call you back.

FundsAtWork other building blocks

Added to the Investments and Savings solution, the FundsAtWork Umbrella Fund integrates two other products as a combined offering.


Financial security when
the unexpected happens

Value-added Benefits

Additional benefits for
FundsAtWork members

Contact FundsAtWork

General enquiries

Our call centre is open Monday to Friday from 08:00 to 16:30.

Smart Counsel

Our call centre is open Monday to Friday from 08:00 to 17:00.

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