Retirement annuities and preservation funds
Tax-efficient retirement investment options designed to help you grow your wealth and secure your future.*
WHY IT MATTERS
Is your retirement on track?
With Investec’s retirement investment solutions you gain access to Investec Wealth and Investment’s range of unit trust funds. Our funds are managed by experienced fund managers based in South Africa, Switzerland and the United Kingdom and backed by a tried and tested global investment strategy.
Many professionals leave retirement planning too late – or rely solely on employer pensions that may fall short of your expectations. A retirement annuity in South Africa helps you take control, invest tax-efficiently, and build the future you deserve – all within a secure, globally managed platform.
RETIREMENT ANNUITIES AND PRESERVATION FUND BENEFITS
- A long-term investment that allows you access to your funds from the age of 55 years
- Contributions are tax-deductible within allowable limits
- Pay no tax on the interest, dividends and capital gains earned within your RA investments
- Start saving with a minimum monthly debit order of R1,000, an initial lump sum of R10,000 or a combination of the two
- An Investment to preserve your pension or provident fund savings when you change jobs
- A preservation fund allows enhanced accessibility as you are allowed to make one partial or one full withdrawal before retirement (this will be taxable based on the current withdrawal tax table). Should you opt to take a partial withdrawal before retirement, the remainder of the funds will need to remain invested until you retire. You are able to access this from the age of 55.
- Pay no taxes on the interest, dividends and capital gains earned on your investments within the Preservation fund
Rewards and benefits
Access to advisers
You always have the option to speak directly to an Investec Financial Adviser. Our advisers do not charge any additional fees or commission for advice provided.
Leverage our international network
With operations in 14 countries, you get access to our global expertise. Benefit from our multi-faceted, in-depth, global investment process which offers scale, reach and continuous growth.
Boost your Rewards earn rate
The balance across all your investments contributes to determining your earn rate on the Investec Rewards programme.
