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Invest for your retirement

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?

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.

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

Investo Retirement Annuity

Grow your retirement money in a disciplined way while benefiting from tax incentives.

Minimum investment

From R300 per month

Investment 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.
Grow your retirement money in a disciplined way while benefiting from tax incentives.

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 R1 000 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.

Other investment options


Flexible Endowment
Option

Grow your money in an endowment and get estate planning and tax benefits.

Flexible Investment
Option

Grow your money in a very adaptable investment.

Unit Trusts

Grow your money with exposure to the markets without a huge outlay and with lots of flexibility.

Investo Endowment

Grow your savings money for a specific term while getting estate planning and tax benefits.

Investo Linked
Investment

Grow your savings money for a specific term.

Online Savings
Solution

Start investing for different goals online, with a unit trust suited for each goal.



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.

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.

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.

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.

Other investment options


Traded Endowment
Option

Grow your money in a "second-hand" endowment with fewer restrictions.

Flexible Investment
Option

Grow your money in a very adaptable investment.


Term-certain
annuity

Term-certain annuities pay an individual an income for a specific period. You can choose between an annuity with a certain term or a temporary annuity.

Unit trusts

Grow your money with exposure to the markets without a huge outlay and with lots of flexibility.




Need advice?

A financial advisor can help you get started.

Contact Investments and Savings

Wealth





Business hours are Monday to Friday from 07:00 to 19:00. Closed on weekends and public holidays.

Investo





Business hours are Monday to Friday from 07:00 to 19:00. Closed on weekends and public holidays.

Momentum Collective Investments





Business hours are Monday to Friday from 07:00 to 19:00. Closed on weekends and public holidays.

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