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A futuristic, round, glass and steel office building with an abstract and asymmetric curved roof.

Retirement investments

What will it be like not to have the certainty of a paycheck or the income from your business every month? And will you be able to maintain your standard of living once that happens?

Benefits of investing
money for retirement

  • Your decision to start saving and investing for your retirement is possibly one of the most important you’ll ever make.
  • By planning for your retirement today, you can maintain your standard of living in your retirement years. You want to be financially independent when you retire.
  • It is possible to have enough money to afford the lifestyle you’re used to, and be able to choose how and where you want live.

Retirement Annuity Option

Grow your retirement money while benefiting from tax incentives.

Minimum investment

From R50 000 lump sum; from R1 000 per month.

Investment period

Access your benefits from age 55.

Features

Deduct the money you invest from tax.

Enjoy tax-free growth.

Wide choice of investment funds and solutions to suit your needs and goals.



Grow your retirement money while benefiting form tax incentives.

Flexible Tax-free Option

Grow your money tax free.

Minimum investment

From R15 000 lump sum; from R500 per month.

Investment period

Keep your money invested until you need it.

Features

Access your money whenever you need it.

Enjoy tax-free growth.

Choice of particular investment funds and solutions to suit your needs and goals.



Grow your money tax free.

Retirement Preservation Option

Preserve and grow your retirement money when you change employers.

Minimum contribution

From R50 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.

Preserve and grow your retirement money when you change employers.

Retirement Income Option

Choose to protect a portion of your retirement income for as long as you live. You can add the new Guaranteed Annuity Portfolio if you want to blend certainty and flexibility in one retirement income product.

Minimum investment

From R50 000 lump sum

Investment period

For as long as you live, provided that there is money to pay you an income.

Features

Choose and adapt your income level within the regulated limits.

Enjoy tax-free growth.

Wide choice of investment funds and solutions to suit your needs and goals, including the new Guaranteed Annuity Portfolio.

Choose to protect a portion of your retirement income for as long as you live. You can add the new Guaranteed Annuity Portfolio if you want to blend certainty and flexibility in one retirement income product.

Capital Protector

Capital Protector combines a life annuity with a life insurance policy to protect your income and ensure your loved are protected, should you pass away.

Minimum investment

R50 000 lump sum.

Investment period

For the rest of your life.

Features

The income amount is guaranteed.

You can choose that the income amount increases yearly.

You can add your spouse or partner, who will receive an income after your death.


Capital Protector combines a life annuity with a life insurance policy to protect your income and ensure your loved are protected, should you pass away.

Guaranteed Life Annuity

Get peace of mind with a guaranteed life annuity to give you a fixed or increasing income for the rest of your life.


Minimum investment

From R50 000 lump sum.

Investment period

For the rest of your life.


Features

The income amount is guaranteed.

You can choose that the income amount increases yearly.

You can add your spouse or partner, who will receive an income after your death.

Get peace of mind with a life annuity to give you a fixed or increasing income for the rest of your life.

Interested in investing without a lump sum?

Grow your retirement money in a disciplined way while benefiting from tax incentives with an Investo Retirement Annuity.

 Happy Indian senior couple eating ice lollies in a park outdoor, old mature couple enjoying retirement life.

When should you start saving for retirement?

Now is the best time. Start early, and save every month. Your financial adviser will show you how you can benefit from compound growth if you start saving and investing from the beginning of your career, compared to people who leave it until later.

The habit of putting money away every month will empower you throughout your life's journey.

Senior couple hugging next to a red vintage car looking at green rolling hills.

Retirement planning

Find a financial adviser near you who can look at your circumstances and help you decide how much you need to save, and what the most suitable investment options are.

  • Set realistic goals.
  • Craft a plan to achieve them.
  • Stick to your plan.

Retirement benefit counselling

If you are nearing retirement and you don’t have a financial adviser, retirement benefit counselling can help you.

Need retirement planning advice?

A financial advisor can help you get started with retirement annuity
advice and financial planning.

Contact us

Local investing: Momentum Wealth




Office hours are Monday to Friday from 08:00 to 17:00.

Offshore investing: Momentum Wealth International





Office hours are Monday to Friday from 08:00 to 16:00 (Central Africa Time). Unavailable on weekends.

Unit trusts





Office hours are Monday to Friday from 08:00 to 17:00.

Institutional investing





Office hours are Monday to Friday from 08:00 to 17:00.

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