Why Invest 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, and you want to be able to choose how and where you live.
When should you start saving?
Start early, and save every month. Your financial adviser will show you the advantages of 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.
Your action plan
A financial adviser looks at your circumstances and helps you decide how much you need to save and how to invest it.
Investo Retirement Annuity
Minimum investment
From R350 per monthInvestment period
Choose any retirement date from age 55.Features
Deduct the money you invest from tax.Enjoy tax-free growth.
Choice of particular investment funds and solutions to suit your needs and goals.
Benefit from a loyalty bonus if you stay invested.
Retirement Annuity Option
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.
Flexible Tax-free Option
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.
Other investment options
Retirement Preservation Option
Preserve and grow your retirement money when you change employers.
Minimum investment
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.
Minimum investment
From R50 000 lump sumInvestment 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.
Retirement Income Option
Get an income while growing your money during retirement.
Minimum investment
From R50 000 lump sum
Investment period
For the rest of your life or until there is no money left in the investment.
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.
Get an income while growing your money during retirement.
Minimum investment
From R50 000 lump sumInvestment period
For the rest of your life or until there is no money left in the investment.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.
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
Post retirement
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.
Minimum investment
R50 000 lump sum.Investment period
Post retirementFeatures
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.
Life annuity
Get peace of mind with a 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
Post retirement
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.
Minimum investment
From R50 000 lump sum.Investment period
Post retirementFeatures
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.