Living Annuity
Retired IncomeLiving Annuity
Built for GrowthLiving Annuity
Retire your WayLiving Annuity
Thriving securelyLiving Annuity
Your LegacyLiving Annuity
Easy ChoiceLiving Annuity
Grows with YouLiving Annuity
Best CalculatorsLiving Annuity
Already RetiredLiving Annuity
Retire ConfidentlyLiving Annuity
Know Your Number
Investonline Living Annuity secures retirement with superior returns, flexible investments, low fees, expert support and up to 100% offshore exposure.
Living Annuity 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.Why Investonline?
Investonline Living Annuity
An Investonline Living Annuity offers flexible, sustainable retirement income, consistent growth and long-term security.
- Qualified Advice: Backed by expertise
- Ongoing Support: Regular reviews
- Annual Check-ins: Your income
- Estate Support: For your family
- Returns & Fees: Maximise growth
Choosing an Investonline Living Annuity ensures security and peace of mind.
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.
What is a Living Annuity?
You stay in control.
Understanding Living Annuities
Learn How Living Annuities Work, Set Smart Drawdowns and Build Income That Lasts — when you’re ready.
Quick Questions & Answers
Dive into the most common Living Annuity questions—answered clearly, quickly and all in one place.
What is a Living Annuity?
Income During Retirement
A Living Annuity is a flexible retirement income option funded by Retirement Annuities, Pension, Provident, or Preservation Funds.
It offers the flexibility to withdraw between 2.5% and 17.5% annually, allowing you to adjust your income as needed. You can invest up to 100% offshore, with tax only applied to the income taken.
Any remaining capital is passed to your beneficiaries. You also have the option to transfer your Living Annuity to another provider or convert it into a Life Annuity.
At Investonline, we tailor Living Annuities to help you optimise your retirement savings, income, and investment returns.
Benefits of a Living Annuity?
Flexible income, up to 100% offshore and beneficiary payouts.
- Income: 2.5% to 17.5% per annum
- Growth: Invest up to 100% offshore
- Control: Adjust your portfolio
- Tax: Only on withdrawn income
- Beneficiaries: Retain capital
Make the most of Living Annuities.
Living Annuity: Fund Performance
Investonline provides tailored active and passive (index) strategies with a proven track record to simplify investing.
| Past Performance | Asset Allocation | |||||||
|---|---|---|---|---|---|---|---|---|
| Investonline (IO) Portfolios | 1yr | 3yr | 5yr | 10yr | 15yr | Offshore % | Total Equity % | |
Equities | IO High Growth | 20.3% | 15.3% | 18.0% | 10.0% | 12.7% | 40% | 95% |
| IO Balanced | 17.7% | 12.6% | 12.4% | 8.8% | 10.6% | 40% | 70% | |
| IO Cautious | 19.0% | 12.4% | 11.0% | 8.6% | 8.8% | 20% | 40% | |
Regulation 28 | IO Income | 12.1% | 9.6% | 8.3% | 8.0% | 8.4% | 0% | 0% |
| IO Offshore High Growth | 10.3% | 18.7% | 15.0% | 13.9% | 19.1% | 100% | 100% | |
| IO Offshore Growth | 14.5% | 10.4% | 11.1% | 11.1% | 13.3% | 75% | 75% | |
Global Focus (ZAR) | IO Offshore Balanced | 16.9% | 10.4% | 12.2% | 10.5% | 12.1% | 60% | 70% |
Let us help you with a free comparison to find the best portfolio for your needs, ensuring your investment aligns with your risk tolerance and growth objectives.
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.
What Happens When You Retire?
My Retirement Options
Retirement brings important decisions about your Provident, Pension, Preservation Funds, and Retirement Annuities — including whether to transfer them into a Living Annuity or Life Annuity.
These choices can significantly affect your income, tax implications, and long-term financial security.
Make the Most of Your Retirement Options
At Investonline, we help you understand your retirement options and choose a solution that balances flexibility, efficiency, and sustainability.
- Your Options Know what’s available
- Choose Wisely Compare annuity types
- Your Income Plan for the long term
Make confident decisions about your retirement.
Get clarity with our free retirement transition report.
Living Annuity Comparison:
Underperforming funds can limit your Living Annuity Fund’s growth.
Get More From Your Living Annuity
Here’s how our offering stands out:
At Investonline, we focus on cost-effective solutions, consistently strong-performing funds to maximise your returns.
- Know Your ReturnsGet a clear picture
- Improve StrategyTailor your plan
- Increase SavingsHelp to save more
Explore how our Living Annuity compares and ensure your financial goals are on the right track for a secure retirement.
Find out if your plan is sustainable.
Comparison: How it works
At Investonline, we offer a free Living Annuity comparison report to give you clear insight into your product rules, fee structure and actual fund performance.
We help you make informed decisions to improve your financial outcomes.
Benefits of a Free Comparison:
- Know Your Returns: See real performance clearly
- Risk Assessment: Understand your investment strategy
- Fee Structure: Review and compare actual costs
Information
Share your details
Discovery
Discuss your situation
Get Your Report
Review the findings
Compare Living vs Life Annuity:
Choosing the Right Annuity
When choosing between a Living Annuity, Life (Guaranteed) Annuity, or Hybrid approach, it’s essential to understand the differences.
Living Annuity:
- Flexible income
- Investment growth potential
- Retain capital for beneficiaries
Life (Guaranteed) Annuity:
- Fixed income for life
- No investment risk, but less flexibility
- No potential capital for beneficiaries
Each option fits different needs. Need help?
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?
Quick Questions & Answers
Dive into the most common Living Annuity questions—answered clearly, quickly and all in one place.
Speak to our Financial Planners
Our experienced team will help match products and funds to meet your financial goals.