Retirement Planning
Welcome to our retirement planning page, where you can find the best options to secure your financial future. We distribute a variety of retirement annuity plans, retirement fund investments, and other retirement income options. These plans are designed to provide a steady income in your golden years.
We understand how important your privacy is and will protect your personal information. By providing your personal information, you agree that we may process it to furnish you with a quote.
Care in your old age
Our consultants specialise in retirement planning and offer expert advice and guidance to individuals who are preparing for their retirement. Due to our in-depth knowledge of various retirement options, investment strategies, and financial planning techniques, we offer low-risk and high-risk options, so you can choose the level of risk that best suits your needs.
Our services are tailored for South Africans and we are committed to helping you achieve your retirement goals. We pride ourselves on providing comprehensive planning services to help you create a secure financial future.
Retirement Annuities
Pre-retirement products such as Retirement annuities could provide a lifetime guaranteed monthly or annual income for a retiree until their death.
These annuities are often funded years in advance, either in a lump sum or through a series of regular payments.
Momentum
Secure a worry-free retirement with a retirement savings plan. Saving for retirement requires disciplined, long-term saving alongside a solid investmentstrategy. Momentum Investo can give you guidance on how much you need to save and for how long, helping you stay on track to meet your goals and enjoy astress-free retirement.
- Start investing from as little as R500 per month.
- Enjoy a payment breather when there’s an unexpected bump in the road.
- Choose any retirement date from age 55.
Old Mutual
Old Mutual’s extensive range of retirement plans are suited to individuals who are looking to focus on financial growth. Old Mutual helps you protect your capital from market volatility and can assist in selecting the ideal mix of investments that will help you achieve your goals. Contact us for more information.
- One of the best-priced retirement annuities in SA.
- Select from a collection of underlying funds.Â
- Adjust your portfolio to support your changing needs.
- Get online support.
Discovery
With Discovery’s lump-sum Retirement Annuity, you are rewarded for healthy investment behaviors, like investing more, and investing longer. This will help you to grow your retirement savings faster and gives you the opportunity to get the retirement you want.
- Invest for only R5 000 if you’re under 30.Â
- Get a 20% boost for investing for longer.Â
- Get access to tax advantages.Â
- Existing Life Plan owners can add the Discovery Retirement Optimiser to convert some of your life cover into extra income at retirement.
Liberty
The Liberty Retirement Range consists of a Retirement Annuity as well as Pension Fund Preserver and Provident Fund. You can access the Exact Income Fund which guarantees your income at retirement, regardless of what the markets do.Â
You are eligible to invest in the Exact Income Fund once you are at least 20 years from retirement.
- High-Water Mark Guarantee: This guarantee allows you to invest for maximum growth, knowing that a portion of your investment is protected.
- Enjoy a tax-effective retirement investment.Â
- Invest through regular monthly debit orders.
Sanlam
Retirement Solutions by Sanlam.
Maximize your tax savings while building your retirement with Sanlam’s flexible retirement annuity. Choose from a diverse selection of reputable, thoroughly researched investment options to suit your financial goals.
Starting at R300 Sanlam Cumulus Echo Retirement Plan
Cumulus Echo Comprehensive starts from R500
Glacier Retirement Annuity Minimum Contribution: R100 000 lump sum and then R1000 per month + more options
You can move your retirement savings to another company’s retirement annuity without any penalties.
You have total freedom to change your underlying investments. There is no charge to make a change, but depending on where you move your money to, initial investment charges may apply.
- Sanlam’s flagship products now include the built-in Wealth Bonus®. These quality solutions not only help you prepare financially but also generate additional wealth. The more you invest in yourself, the more Sanlam invests in you.
How we can help
By assessing your current financial situation, future goals, and risk tolerance, our retirement planning consultants can develop personalised retirement plans that maximise savings, minimise taxes, and ensure a comfortable retirement lifestyle. With their expertise, we’ll help you navigate the complexities of retirement planning and make informed decisions that align with your unique needs and aspirations.
Don’t wait, start planning for your retirement today. Browse our selection of investment plans and find the perfect option for you.
Why save for retirement?
Retirement plans are designed to ensure that you’re financially stable and secure once your permanent monthly pay checks come to an end. In South Africa, the retirement age is 65, which means that it’s imperative to invest in a retirement annuity earlier on to cover the expenses that come during retirement.
The reality is that you’re never too young to start saving for your retirement. However, we recommend that you start saving a portion of your income from the age of 20, or in the year that you turn 21.Â