Retirement & Offshore Investment Specialists
Invest Smart. Build Wealth.
Investonline offers retirement and offshore planning, active and index investing, transparent low fees and free calculators.
Every 1% matters in returns and fees.
Financial Planning for the Global Family
Speakers → Nick Brummer & Stuart Dyer
11 Nov 26 11:00Why choose Investonline?
This is why so many South Africans choose us:
Let’s Talk Retirement:
We offer a free consultation to assess your finances and plan for retirement.
Get qualified, independent advice.
No obligation.
Book an Exploratory Call:
- Retirement: Model your spending
- Fees: Know exactly what you pay
- Markets: Investment strategy
- Taxation: Improve tax efficiency
- Global: Direct offshore investing
- Legacy: Wealth transfer
- Analysis: Independent review
Sample Advanced One-page Summary
1. Information Gathering
– Share your details
2. Lifestyle Planning
– Discuss your goals
3. Investment Analysis
– Review your position
Our Retirement Products
Smart solutions for a rewarding retirement.
Living Annuity
- Flexible income (2.5%–17.5%)
- Invest up to 100% offshore
- Capital to beneficiaries
Turn your retirement savings into flexible, reliable income payments.
Preservation Fund
- Protect savings during job changes
- From a Provident or Pension fund
- One Pre-Retirement withdrawal
Preserve and protect your retirement savings when switching employers.
Retirement Annuity
- Tax-deductible contributions
- Accessible from age 55
- Long-term tax-free growth
Boost retirement savings while cutting tax via SARS-approved contributions.
Maximise Your Returns
Maximise pre- and post-retirement returns within Living Annuities, Preservation Funds and Retirement Annuities.
You can diversify with local Unit Trusts and direct Offshore.
Our portfolios combine active and index strategies, offering flexibility and optimal performance.
Key Investment Benefits
- Diversify: Blend of active and index
- Growth: Time spent in the markets
- Cost Efficiency: Keep costs low
- Trusted: Reputable Asset Managers
- Flexibility: Tailored to your goals
Reach your goals with proven investment strategies.
| Investonline (IO) Portfolios | 1yr | 3yr | 5yr | 10yr | 15yr | |
|---|---|---|---|---|---|---|
Equities | IO High Growth | 7.6% | 17.8% | 15.3% | 10.4% | 13.5% |
| IO Balanced | 8.1% | 15.2% | 12.1% | 9.2% | 11.0% | |
| IO Cautious | 8.6% | 14.3% | 11.6% | 8.9% | 9.0% | |
Regulation 28 | IO Income | 7.7% | 10.2% | 8.8% | 8.0% | 8.3% |
| IO Offshore High Growth | 10.3% | 16.6% | 14.0% | 14.5% | 19.0% | |
| IO Offshore Growth | 3.2% | 12.4% | 10.5% | 10.5% | 12.2% | |
Global Focus (ZAR) | IO Offshore Balanced | 3.7% | 13.5% | 11.2% | 10.3% | 11.7% |
Investonline (IO) Performance
Actual 15-year performance annualised from Sep 2011 to Sep 2026.
13.5% IO High Growth 15 Yr Annualised
11.0% IO Balanced 15 Yr Annualised
9.0% IO Cautious 15 Yr Annualised
IO Investment Strategy
The three core pillars that help secure your retirement.
1. Purpose-Built Portfolios
We build portfolios for retirement—focused on growth, stability and offshore exposure.
2. Evidence-Based Approach
We combine index and active strategies to diversify, focusing on consistency—not hype.
3. Smart, Maximum Efficiency
Our approach is streamlined. Every decision drives value and keeps your money working.
Our Offshore Investments
Access to global markets.
Expand Your Global Potential
- SA makes up less than 1% of the global economy — limiting opportunities.
- International wrappers simplify offshore investing for tax and estate planning.
- Maximise growth through global market access with tailored offshore solutions.
Global diversification broadens opportunities, reduces risk and enhances returns.
Look beyond local. Invest globally.
Offshore Wrapper
- Taxes Paid to SARS: Remitted directly
- Compliant Reporting: Fully adheres
- No Tax Certificates: Not issued
- Capital Gains Tax: Only 12%, not 18%
- Out Of Pocket Tax: 0%
A tax-efficient structure with capped tax.
Smart Financial Planning
At Investonline, you’ll enjoy a free consultation as we work closely with clients to create customised Financial and Retirement Plans tailored to their unique goals using our digital planning process.
Customised & Personal Planning
- Custom Plans: Built around your future and lifestyle
- Investment Setup: Structured to meet your goals
- Ongoing Check-ins: Regular reviews to stay on track
Discovery
Complete your details
Meeting
In person or video call
Implementation
Personalised asset map
Offshore Returns
Looking beyond retirement products?
Direct Offshore gives you access to global markets without the limits of regulated retirement funds.
Invest directly in international assets for stronger currency exposure, broader diversification, and long-term growth — all with full flexibility and control.
Key Investment Benefits
- Global Access: Direct offshore
- Diversification: Broaden holdings
- No Limits: No retirement rules
- Growth: Global opportunity
- Flexibility: Access capital
Go beyond SA borders.
| World Markets | 1yr | 3yr | 5yr | 10yr | 15yr | |
|---|---|---|---|---|---|---|
| World | ||||||
| MSCI World Equity Index USD Net | 15.2% | 21.4% | 11.9% | 12.8% | 12.4% | |
| United States | ||||||
| S&P 500 Total Return | 15.7% | 22.9% | 13.8% | 16.2% | 15.7% | |
| Europe | ||||||
| MSCI Europe Index USD Net | 12.6% | 17.5% | 9.5% | 9.2% | 8.6% | |
| Emerging Markets | ||||||
| MSCI Emerging Markets Index USD Net | 29.2% | 24.1% | 8.9% | 9.1% | 7.0% | |
Offshore Returns ($) |
How would you like to Get Started?
Explore Our Products
Choose from Pre-and-Post Retirement Solutions, Unit Trusts, or Offshore options at your own pace.
Speak to a Dedicated Person
Our experienced team will help match products and funds to meet your financial goals.
Expert Guidance & Support
Clear, Tailored Guidance
- Get a free comparison report
- Products that suit you best
- Simple, clear and jargon-free
Effortless Transitions
- Easy, stress-free transfer process
- We handle switches, start to finish
- Investments remain safe & secure
Personalised Support
- Get real help, available nationwide
- No automated systems or waiting
- Fast, responsive & reliable service
Our Financial Planners
Request a 15-min introductory meeting
Our Ethos, Values and Culture
Ethos
Integrity, discipline & transparency.
Integrity, a strong sense of responsibility, an emphasis on quality, discipline and teamwork inform Investonline’s ethos.
It is only with these beliefs that we can offer a truly professional service that encompasses independent advice, denotes transparency and translates into fair fees.
Values
Trust, respect & continuous improvement.
In our business, we place the highest value on Trust, Respect, Passion, Dedication, Performance, Research and Learning.
These values shape our mindset and standards, guiding our commitment to informed decisions, continuous development and high-quality work.
Culture
Accountability, independence & service.
We work towards Investonline being a happy and productive workplace that benefits our clients.
We encourage independence and accountability, best practice, reward achievement and work tirelessly to deliver client service that makes us proud.
What our clients say
View all reviews on 
Best Investment Decision I ever Made
From the time I first connected with Investonline many years ago, the feel-good, professional element was always present.
Professional, friendly, and proactive advice has always been provided with the client’s best interests in mind. I’m very happy with my designated Planner.
Mervyn Sparks
First time investor
As someone new to investing large sums of money, the team at Investonline exceeded my expectations with their professionalism and expertise.
My portfolio was created seamlessly, and I feel incredibly confident about a long and prosperous relationship with them.
Cobus Nolte
Understanding the Client’s Needs
Great to deal with a company who went out of their way to understand my specific needs and to explain their reasons for suggesting alternative investments to what I initially was considering.
Admin and contact with Investonline has been excellent so far.
Lindsay Bassett
Get more insight
Find short answers to specific questions
How to Get Started?
Expert Guidance
Explore retirement, fees, investments, tax, offshore and legacy planning at your pace.
Speak to our Financial Planners
Our experienced team will help match products and funds to meet your financial goals.
