Score big on retirement savings
Like cricket, your financial innings build run by run, but one smart move can change the game. Add a once-off lump sum to your Investo Retirement Annuity with Momentum Savings to boost long-term savings growth.
Act before 28 Feb 2026 and turn today’s move into tomorrow’s advantage:
- Unlock a tax benefit of up to 41%.
- Instantly boost your investment value.
- Shorten your journey to retirement readiness.
Why boost your retirement savings with a top-up?
Retiring comfortably can feel out of reach for many South Africans, especially with inflation chipping away at your investments over time.
Think of your retirement savings like cricket innings. Your monthly Investo Retirement Annuity contributions are the steady singles that keep them moving, building and progressing.
But every innings has a boundary moment. Topping up with a once-off lump sum before tax year-end can help your retirement savings gain momentum, boost long-term returns, and unlock a tax rebate of up to 41%, depending on your tax bracket.
Ready for your boundary moment? Talk to a financial adviser to turn a contribution into a game changer.
How to turn a contribution into a savings game changer
Case study: How a yearly top-up affects your retirement savings
Let’s say Tumiso (30) is earning R30 000 monthly and contributes R4 500 per month to a retirement annuity. We assume the money grows at 12% per year before fees. We also assume his salary increases by 5% per year, and he will increase his retirement contributions by the same rate.
Now we look over his shoulder over the next 25 years:
- Scenario 1: He sticks to his plan and adds no further contributions.
- Scenario 2: On top of his monthly investments, he invests a 13th cheque every year.
If we round the retirement value off to the nearest million, this will be the picture:
- Scenario 1: His retirement annuity will grow to R21 million.
- Scenario 2: His retirement annuity + 13th cheque will grow to R32 million (or 53% more).
This means if you top up your retirement savings with a 13th cheque every year, your retirement money will be more than 50% fatter. That’s incredible. By adding the 13th cheque every year Tumiso also gets an additional tax rebate of nearly R8 000. (And if you reinvest your yearly tax rebate on top of that, instead of spending it, your retirement money will be an incredible 77% more.)
A single lump sum investment can balloon like this
If you don’t want to invest monthly towards your retirement, but have a windfall, time will also multiply your savings.
If you invest R50 000 once-off and we assume the money will grow at 12% per year before fees: 
*Real value is a way to see how your saved money would look today, even if we look at it years from now.
It means over 30 years, a mere R50 000 can balloon to R1,5 million, or thirty times more than you invested.