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Classic Retirement Annuity Fund

Overview

A retirement annuity is a product designed to help you save for retirement. The solution is ideal if you are self-employed without an employer pension, or if you want to increase how much you are putting away to retire.

The product caters for those who need flexibility when it comes to making contributions, and offers meaningful tax incentives, with some limited access to your savings before you retire.

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Product brochure

Product information

Retirement Guide

Two-Pot Guide

What does it offer you?

Flexibility: Invest once off whenever you choose to, make regular monthly or annual investments by debit order; transfer money from another retirement annuity to us.

Start, change, or stop your regular contributions at any time, without worrying about being charged a penalty.

Contributions are tax deductible (up to a limit), so the amount you invest can be subtracted from your taxable income for the year.

From 1 September 2024, one third of all new contributions to a retirement annuity fund are allocated to a "Savings Component" which may be cashed out once a tax year. The remaining two thirds of contributions are allocated to the "Retirement Component" which cannot be cashed out before or at retirement, and must be used to purchase an annuity to provide you with an income in retirement.

There is a wide range of investment portfolios to choose from for your investment, including Unit Trusts, Model Portfolios and Share portfolios, and you can change your selection whenever you want to, free of charge.

To give your savings the best chance to grow, your investment returns are exempt from Capital Gains tax, Income tax on interest, Dividend tax and REIT tax.

This product is exempt fro estate duty and executor’s fees.

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A minimum lump sum of R5 000 is allowed with a minimum debit order of R500 or a maximum of R 3 000 per month.

Application form

Classic Investment Plan

Overview

The Classic Investment Plan is a flexible investment solution that gives you the freedom to tailor your investment according to your needs. It offers you the opportunity to diversify your investment easily and conveniently by investing with a range of Investment Managers in a single account.

This solution is ideal for saving towards a medium to long term goal, while still having access to your money when you need it. It is not the solution for you if you want to protect your investment returns from tax.

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Product brochure

Full Terms and Conditions

What does it offer you?

Flexibility: Invest once off whenever you choose to, or make regular monthly or annual investments by debit order.

Start, change, or stop your regular contributions at any time.Choose from a wide range of investment managers, discretionary fund

Choose from a wide range of investment managers, discretionary fund managers and portfolios. You can change your selection whenever you want to, free of charge.

Unlimited access to your money: withdraw what you want, when you want and access your money quickly. Recurring withdrawal payments are also available.

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A minimum investment amount of R 50 000 and/or R1000 per month/R12000 per annum applies.

Individual Application form

Corporate Application form

STANLIB Linked investments Tax-Free savings account

Overview

A Tax-free Savings investment gives your savings a better chance to grow because all returns on the investment are free of tax. You can diversify your investment easily and conveniently by investing with a range of investment portfolios or funds in a single account.
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This solution can help you to save towards a medium- to long-term goal. While you are allowed to withdraw from the product, it is not intended for investors who require regular access to their money.

Want to know more?

Product brochure

Full Terms and Conditions

What does it offer you?

Flexibility: Invest once off whenever you choose or make regular monthly or annual investments by debit order.

You may contribute up to a maximum of R36 000 per tax year to all of your tax-free savings accounts, and R500 000 over a lifetime. If you contribute more than you are allowed to, any excess contributions will be taxed at a rate of 40% in your hands.

Start, change, or stop your regular contributions at any time.

Your investment returns are exempt from capital gains tax, income tax on interest, dividends tax, and Real Estate Investment Trust (REIT) tax.

Choose from a wide range of investment managers, discretionary fund managers and portfolios. You can change your selection whenever you want to, free of charge.

Invest now

A minimum investment amount of R 10 000 and/or R500 per month/R6000 per annum applies

Application form