Build Retirement Capital in a Tax-Efficient Structure.
A long-term investment designed to help you grow retirement savings while benefiting from tax-deductible contributions and disciplined portfolio management.
contributions .
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Risk Profile.
A Structured Way to Save for Retirement.
A Retirement Annuity (RA) is a long-term investment account designed specifically to help you build capital for retirement.
Investments may include both local and offshore funds managed by established South African asset managers, in accordance with Regulation 28.
Contributions to an RA are tax-deductible, within the limits set by legislation.
This means:
You reduce your taxable income
Your investment grows within a regulated structure
Growth within the fund is not subject to income tax, dividend tax, or capital gains tax.
Funds are invested according to Regulation 28 guidelines, which limit risk exposure and promote 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 Retirement Annuity.
Tax
Efficiency
Contributions may be deducted from taxable income, subject to legislative limits.
Regulation 28
Compliance
Portfolios are structured within legal limits designed to reduce excessive risk concentration.
Long-Term
Growth
Investments are aligned to your retirement timeline and risk profile.
Flexible
Contributions
You may increase, reduce, stop or restart contributions without penalties, subject to provider terms.
This solution is suited to investors committed to structured, long-term retirement planning.
Designed to build retirement capital in a regulated, tax-efficient structure.
The portfolio aims to grow savings over the long term while managing risk within Regulation 28 guidelines.