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Plan. Retire.Financial Planning
Made Simple.
Build your financial future with Investonline—tailored strategies, estate planning, insurance and expert support. Start today.
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 input features.
Complete your details to unlock all the features.What is Financial Planning?
Master Your Finances
With Investonline, financial planning is simple and effective. Our personalised services include:
- Investments & Retirement: Diversify for growth and secure income.
- Life Cover & Estate: Protect loved ones with insurance and wills.
- Tax Planning: Reduce taxes and boost savings.
Start your financial planning journey today with Investonline. Our experts provide solutions to help you reach your financial goals and enjoy a prosperous future.
At Investonline, we customise your financial plan to maximise your future success
Benefits of Financial Planning
- Know Your Numbers: A Plan
- Achieve Goals: Reach your dreams
- Tax Efficiency: Reduce tax burdens
- Grow Wealth: Expand your assets
- Build Legacy: Create an inheritance
Investing in retirement planning ensures financial security and freedom to enjoy your golden years while leaving impact.
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.
Our Retirement Products
Personalised solutions for a secure, comfortable pre- and post-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.
Free Consultation:
At Investonline offers a 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
- Business Succession Agreements
Life Insurance
Personal
- Life Cover, Dread Disease
- Disability, Income Protection
- Medical Aid, Gap Cover
Business
- Business Risk Cover
Short-term Insurance
Personal
- Car Insurance
- Household Insurance
- Funeral Cover
Business
- Business Insurance
Maximise Your Returns
Maximise pre- and post-retirement returns with Living Annuities, Preservation Funds, Retirement Annuities or diversify with local Unit Trusts and Offshore.
Our portfolios blend active and index strategies for flexible investing.
Key Investment Benefits
- Diversify: Blend of active and index
- Growth: Time spend in the markets
- Cost: Keep overall cost low fees
- Risk: Balanced with active and index
- Flexibility: Tailored to your goals
Reach your goals with proven strategies.
| Investonline (IO) Portfolios | 1yr | 3yr | 5yr | 10yr | 15yr | |
|---|---|---|---|---|---|---|
Equities | IO High Growth | 20.3% | 15.3% | 18.0% | 10.0% | 12.7% |
| IO Balanced | 17.7% | 12.6% | 12.4% | 8.8% | 10.6% | |
| IO Cautious | 19.0% | 12.4% | 11.0% | 8.6% | 8.8% | |
Regulation 28 | IO Income | 12.1% | 9.6% | 8.3% | 8.0% | 8.4% |
| IO Offshore High Growth | 10.3% | 18.7% | 15.0% | 13.9% | 19.1% | |
| IO Offshore Growth | 14.5% | 10.4% | 11.1% | 11.1% | 13.3% | |
Global Focus (ZAR) | IO Offshore Balanced | 16.9% | 10.4% | 12.2% | 10.5% | 12.1% |
Investonline (IO) Performance
Actual 15-year performance annualised from May 2010 to May 2025
12.7% IO High Growth 15 Yr Annualised
10.6% IO Balanced 15 Yr Annualised
8.8% 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 Investment
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%
- No Income Tax: 0%
A tax-efficient structure with capped tax.
Navigating Retirement
Speakers → Stuart Dyer & Sharon Moller
9 Jul 25 11:00Expert 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
How to Get Started?
Explore Our Products
Choose from pre- and post-retirement solutions, unit trusts, offshore options at your pace.
Speak to our Financial Planners
Our experienced team will help match products and funds to meet your financial goals.