Pension & Preservation Funds

Protect and Preserve Your Retirement Savings When Changing Employers.

Transfer your pension or provident fund into a regulated structure without triggering unnecessary tax, while keeping your retirement capital invested.

Tax-Free transfer .
Regulation 28
compliant .
Retirement-Focused
structure.
Managed According to
Risk Profile.
What This Portfolio Is

A Structured Way to Maintain Retirement Continuity.

When you leave an employer, you may choose to withdraw your retirement savings — or preserve them.

A Pension or Preservation Fund allows you to transfer your retirement savings into a regulated structure without triggering immediate tax.

This means:

  • Your capital remains invested

  • You avoid the tax that would apply to early withdrawal.

  • Your retirement plan stays intact

Funds are invested within Regulation 28 guidelines, which are designed to manage risk and diversification.

Your investment is:

  • In your own name

  • Governed by retirement fund legislation

  • Fully transparent

  • Managed according to your long-term retirement objectives

The Foundations of a Pension & Preservation Funds.

Tax Efficiency
Transfer

Retirement savings can be transferred without triggering tax that would apply to early withdrawal.

Continued
Investment Growth

Your capital remains invested and aligned to your retirement strategy.

Regulation 28
Compliance

Portfolios are structured within legal limits designed to manage concentration risk.

Structured
Withdrawal Rules

Withdrawal rules are governed by legislation and encourage long-term retirement preservation.

Who It’s For
1. Individuals changing employers
2. Members exiting corporate pension or provident funds
3. Investors seeking to preserve retirement capital
4. Individuals consolidating retirement savings

This solution is suited to investors committed to maintaining long-term retirement security during career transitions.

Portfolio Objective

Designed to preserve retirement capital and maintain investment continuity within a regulated structure.

The portfolio aims to keep your savings aligned to your retirement timeline while managing risk under Regulation 28 guidelines.

What to know

Investment Essentials.

Fund Types: Pension Preservation Fund / Provident Preservation Fund
Transfer: Tax-free transfer (subject to legislation)
Withdrawal Rules: One partial or full withdrawal permitted before retirement (subject to legislation)
Regulation 28: Yes
Structure: Retirement fund governed by pension legislation
Fees: Transparent advisory and administration fees
Minimum transfer of R50 000 lump sum (known as Section 14 Transfer)
The experts

Managed by Experienced Portfolio Managers.

How This Fits Into Your Broader Plan

Pension and Preservation Funds form an important part of a broader retirement strategy, helping investors maintain continuity and protect long-term capital during career transitions.