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How to save for your goals

Our savings plan options can help you save for retirement, your child's education and other long-term personal goals. Start saving regularly from only R500 per month and sometimes add a lump sum. Enjoy added benefits like a bonus for staying invested or the option of taking a payment break.

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Retirement savings plan

Save for retirement in such a way that you pay less tax. Grow your retirement savings with a retirement annuity and other long-term savings plans, so you can draw regular income during your retirement.

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Education savings plan

Saving for your child’s education is your most valuable investment. Choose from 2 education savings plan options, save what you can afford and get rewarded if you stay invested.

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Personal savings plan

Say yes to achieving your dreams! Our 5 year savings plan options are designed for long-term savings goals and reward you for staying invested. You choose your savings goal and how long you want to stay invested.

Your savings journey starts here

Looking for financial advice to create an affordable savings plan for your goals, your child's education or retirement? Speak to a financial adviser today to help you start your journey with Momentum Savings.

Save with an endowment, retirement annuity, or linked investment through Momentum Savings

Tumi is a communication specialist for a bank, and her grandmother stays with her.

She would like to make the dream of owning a home come true without being crippled by debt interest when she eventually buys a home. She invests R1 000 pm for 7 years to save for a deposit.

Tumi puts in
R1 000 pm
*Tumi gets out
R147 000
Including a loyalty bonus of
R8 300
**Real value
R97 700

Lucas is a builder who works for himself.

He wants to get married and would like to show the in-laws he’s responsible. He starts investing R1 400 pm in a retirement annuity and commits to saving until the age of 65.



Lucas puts in
R1 400 pm
*Lucas gets out
R14 400 000
Including a loyalty bonus of
R3 810 000
**Real value
R1 870 000

Amy is a personal assistant to a high-brow government official. She is a divorcee and a single mother of a baby boy, Andrew.

She doesn’t know if Andrew’s father will be able to help pay for Andrew’s studies. She decides to save R800 pm to ensure enough money is saved when Andrew turns 18 and begins his tertiary education.

Amy puts in
R800 pm
*Amy gets out
R1 000 000
Including a loyalty bonus of
R108 000
**Real value
R350 000

Larry is a medical doctor who has led the good life. Thankfully, his wife encouraged him to take out investment plans for their 3 children’s education when they were young.

He wakes up and realises he better start saving for his retirement at 65 too. He tightens his belt and starts investing
R20 000 pm in a retirement annuity.

Larry puts in
R20 000 pm
*Larry gets out
R13 500 000
Including a loyalty bonus of
R1 570 000
**Real value
R5 630 000

*Assumptions: We assume a growth rate of 12% each year until the end of the investment term. Each person increases their contribution by
10% per year. We use the Momentum Focus 7 Fund of Funds and yearly inflation of 6% for the sums. For retirement annuity investors, we assume a retirement age of 65.

**Real value: Real value is like a magic mirror that shows how much you can buy with your future savings amount. It helps you understand how expensive things will get (because of inflation). It's a way to see how your saved money would look today, even if we look at it many years from now.

Why choose Momentum Savings?

Illustration of a safe with gold bars in it.

We manage R58 billion on behalf of our clients.

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More than 320 000 clients trust us with their money.

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You get rewarded for staying invested.

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Money talk is complicated, we know. We try to keep things simple and straightforward.

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Enjoy a payment holiday when there’s an unexpected financial bump in the road and you need to skip payments for a few months.

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We can pay your investment on your behalf if you become disabled or die.

Our leadership team

Our leadership team is responsible for setting our strategic direction to ensure that we continue to meet your changing investment needs.

Momentum Savings resource centre

Self-service options

We empower you to do some things yourself without having to phone your financial adviser or the call centre. If you don't have an online profile, register now, or login to view your profile.

Update my contact details

Update your contact details with ease so you never miss important information.

Update who should
inherit my money

Review and update your beneficiaries whenever significant life changes happen.

View my important documents

Access and view all your important documents from one safe and secure place.

View and download my
tax certificates

Filing your tax returns? Get your tax certificates instantly on the Momentum App or website.

Withdraw two-pot money


Skip the long call centre queues to withdraw money from your retirement savings pot.

Find and download my contract information and statements

Keep track of your savings and policies by accessing and downloading your contracts and statements anytime.

Latest media

6 October 2024

The stethoscope for our financial heartbeat

This World Financial Planning Day, we highlight the role of financial planning in boosting financial wellness, drawing parallels with maintaining physical health.

24 September 2024

Heritage Day is a time to picture your money ‘scrapbook’

Viewing your financial journey as an album of memories and milestones can guide choices that build a meaningful legacy.

13 September 2024

Two-pot is hiding another nasty tax surprise

We highlight the tax implications of withdrawing from your retirement savings with two-pot and how this impacts your retirement goals.

Investo manifesto

We know you are worth so much more. Building your worth is step one to building your wealth.

Thinking about your future

Start saving for your retirement today. A small start now is a head start for tomorrow. A smart investor puts in time to work.

Contact Momentum Savings





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