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Know Your Number
Investonline offers retirement and offshore planning, active and index options, transparent fees and free calculators to help maximise returns.
Tax Optimisation for Investors
Speakers → Nick Brummer & Stuart Dyer
11 Jun 25 11:00Why choose Investonline?
This is why so many South Africans choose us:
Retirement Calculator
Enter Total Retirement Savings
- Pension & Provident Funds
- Retirement Annuities
- Preservation Funds
- Living Annuities
- Other Savings
Add above to get your total. Our calculator offers advanced features.
Complete your details to unlock all the features.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.
Who This Is For:
For Clients with R10M+
You are eligible for bespoke wealth management, featuring personalised service and strategies tailored for high-net-worth individuals.
What You’ll Get:
- Regular Reviews: Ensure you on track.
- Market Insights: Exclusive updates.
- Dedicated Manager: Personal guidance.
Benefits for R10M+ Clients:
- Maximise Returns: Enhance your net returns.
- No Guessing: Clear comparisons.
- Exclusive Insight: Personalised financial plan.
With R10M+ in assets, you’re already on the path to exceptional service.
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 | 19.3% | 14.0% | 17.0% | 9.4% | 12.1% |
| IO Balanced | 16.4% | 11.7% | 12.0% | 8.5% | 10.3% | |
| IO Cautious | 17.5% | 11.6% | 10.7% | 7.7% | 8.6% | |
Regulation 28 | IO Income | 12.1% | 9.5% | 8.3% | 8.0% | 8.4% |
| IO Offshore High Growth | 10.8% | 17.3% | 14.3% | 13.9% | 18.3% | |
| IO Offshore Growth | 13.5% | 14.9% | 10.4% | 10.8% | 12.5% | |
Global Focus (ZAR) | IO Offshore Balanced | 15.4% | 14.5% | 11.5% | 10.1% | 11.6% |
Investonline (IO) Performance
Actual 15-year performance annualised from Apr 2010 to Apr 2025
12.1% IO High Growth 15 Yr Annualised
10.3% IO Balanced 15 Yr Annualised
8.6% 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
Direct 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 | 12.4% | 11.5% | 14.5% | 9.9% | 3.9% | |
| United States | ||||||
| S&P 500 Index | 12.1% | 12.2% | 15.6% | 12.3% | 13.0% | |
| Europe | ||||||
| European Equity Index | 13.6% | 9.0% | 10.5% | 3.9% | -1.1% | |
| Emerging Markets | ||||||
Offshore Returns ($) | MSCI Emerging Markets Index | 9.8% | 6.5% | 8.1% | 3.7% | -2.3% |
Free Consultation:
Investonline offers free consultation to assess your financial position and create personalised retirement and investment plans aligned with your goals.
Get qualified, independent advice — no obligation.
Book a Consultation to discuss:
- Retirement: Model your spending
- Fees: Know exactly what you pay
- Markets: Investment strategy
- Taxation: Improve tax efficiency
- Global: Direct offshore
- Legacy: Wealth transfer
Information
Share your details
Discovery
Discuss your situation
Get Your Report
Review the findings
Our Financial Solutions
Personalised planning for life and legacy.
Estate and Wills
Personal
- Will Drafting & Reviews
- Estate Structuring
- Tax Efficiency Planning
- Business Succession Agreements
Life Insurance
Personal
- Life Cover, Dread Disease
- Disability, Income Protection
- Medical Aid, Gap Cover
- Business Risk Cover
Short-term Insurance
Personal
- Car Insurance
- Household Insurance
- Funeral Cover
- Business Insurance
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 Client Portfolio Managers
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?
Explore Our Products
Choose from pre-and-post retirement solutions, unit trusts, offshore options at your pace.
Speak to a Dedicated Specialist
Our experienced team will help match products and funds to meet your financial goals.