Grow your money
with a clear plan.
From short-term savings to retirement and offshore investing, we match your goals and timeline with the right investment products and keep you on track.
Short-Term Investments
Low-risk, easy-access options for money you’ll need within about three years: an emergency fund, a deposit, or a planned purchase.
Who it’s for
Anyone building an emergency fund or saving for a specific near-term goal.
What’s included
- Money market and income funds
- Competitive interest with low volatility
- Access to your money within days
- No long lock-in periods
- Ideal for emergency funds
- Simple monthly debit orders
Long-Term Investments
Diversified unit trust and endowment portfolios built to beat inflation over five years or more.
Who it’s for
Investors building wealth for goals like a property, a child’s future or financial independence.
What’s included
- Diversified local and global portfolios
- Unit trusts, endowments and ETFs
- Lump-sum or monthly contributions
- Portfolios matched to your risk profile
- Regular reviews and rebalancing
- Clear reporting on performance and fees
Retirement Planning
Retirement annuities, preservation funds and living annuities, structured to use your tax benefits and turn your savings into a reliable income.
Who it’s for
Employees without a pension fund, the self-employed, and anyone approaching or already in retirement.
What’s included
- Retirement annuities with tax-deductible contributions
- Preservation funds when you change jobs
- Living and guaranteed annuities for retirement income
- Guidance on the two-pot retirement system
- Retirement income projections
- Consolidation of old policies
Tax-Free Savings
Invest up to the annual SARS limit and pay no tax on interest, dividends or capital gains inside the account.
Who it’s for
Every South African, including children. It’s one of the simplest ways to grow long-term wealth.
What’s included
- No tax on growth, interest or dividends
- Flexible monthly or lump-sum contributions
- Accounts can be opened for children
- Choose from unit trusts and ETFs
- We help you track annual and lifetime limits
- Withdraw when you need to
Offshore Investments
Diversify beyond the rand with global funds, invested from South Africa or moved offshore using your foreign investment allowances.
Who it’s for
Investors wanting currency protection and exposure to global companies and markets.
What’s included
- Rand-denominated global feeder funds
- Direct offshore investment platforms
- Help using your offshore allowances, including SARS approvals
- Currency diversification
- Global equities, bonds and property
- Estate planning for offshore assets
Guaranteed Growth Plans
Know exactly what you’ll get back. Fixed-term plans with a guaranteed return and your capital protected.
Who it’s for
Conservative investors and retirees who value certainty over market-linked growth.
What’s included
- Guaranteed return, fixed upfront
- Capital protection
- Terms typically from 1 to 5 years
- Lump-sum investments
- Not affected by market movements
- Works well alongside a growth portfolio
Covered in 3 simple steps
No jargon, no pressure, and no cost to get advice.
Tell us what you need
Answer a few quick questions online or on WhatsApp. It takes about two minutes.
Compare your options
Your adviser compares leading providers and explains the differences in plain language.
Get covered & supported
Choose the option that fits. We handle the paperwork, and we’re there when you claim.
Common questions
How much do I need to start investing?
Retirement annuity or tax-free savings: which is better?
What does it cost?
Are my investments guaranteed?
Explore other products
Ready to get covered?
Tell us what you need and an adviser will come back to you with options from leading providers, usually within one working day.