Make Your Retirement Annuity a Power Move:

Retirement Annuity
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Stay On TrackRetirement Annuity
Future CapitalRetirement Annuity
Protect ProgressRetirement Annuity
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Tax DeductibleRetirement Annuity
Build & ProsperRetirement Annuity
Stay on CourseRetirement Annuity
Save. Retire.

Investonline Retirement Annuity secures retirement with tax-efficient growth, expert support, savings and tax relief up to 27.5% gross income.

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Retirement Annuity Calculator

Enter Total Retirement Savings:

  • Preservation Funds
  • Retirement Annuities
  • Provident & Pension Funds

Add above to get your total. Our calculator offers advanced input features.


Retirement Annuity Calculator

Modify Values: Fine-tune your results using standard or advanced inputs.

1. Capital
2. Comparison
Complete your details to unlock all the features.
Return = 10%
Return - 1%
Return - 2%

Less return, lower outcome

Retirement Age 65 yrs

How to use the calculator


Above the graph are Capital and Comparison. Below is a slider to set retirement age.

Capital shows your retirement savings. Comparison shows how your return compares to lower-return scenarios: Modelled Return, Less 1% and Less 2%.

You can customise your plan using Standard Inputs and Advanced Inputs.

Standard Inputs let you set your age, contributions, total retirement savings and adjust your retirement age using the slider.

Advanced Inputs let you adjust the Modelled Return. You can change inflation (first value) and expected return (middle). The third shows the impact if returns drop (Less 1% or 2%).

Disclaimer

Projection is for illustration only. Results may vary.

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Modify Values

  • 1. Standard Inputs

    Retirement Age 5 yrs

  • 2. Advanced Inputs

    Modelled Returns
    Return = 10%
    6%
    +
    2%
    Return Less 1%
    6%
    +
    2%
    -
    1%
    Return Less 2%
    6%
    +
    2%
    -
    2%
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What is a Retirement Annuity?

Save. Grow. Retire.

A Retirement Annuity helps you save for retirement with tax-efficient growth and protected savings.

It allows you to contribute regularly while benefiting from tax relief of up to 27.5% of your gross income. Investments grow tax-free with a range of portfolio options tailored to your risk preferences.

You can transfer your Retirement Annuity to another provider or consolidate multiple annuities for easier management. Upon retirement, your funds can be transferred into a Living or Life Annuity for continued income security.

At Investonline, we tailor Retirement Annuities to maximise retirement savings.

Benefits of a Retirement Annuity?

Secure your retirement savings with these key benefits:

  • Savings Pot: It’s accessible
  • Creditor Protection: Your savings
  • Disciplined Savings: For retirement
  • No Estate Duty: More retained
  • Easy Transition: Life/Living Annuity

Plan ahead for retirement savings

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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.

Dedicated Financial Planner
For Clients with R10m+ Premium Partner

Why Investonline?

Investonline Retirement Annuity

An Investonline Retirement Annuity helps you build long-term wealth with expert guidance, diverse investment options, and tax-efficient growth.

  • Expert Guidance: Access to skilled advisors
  • Growth Focus: Maximize tax-free growth on savings
  • Portfolio Flexibility: Tailored investment choices
  • Retirement Transition: Seamless conversation
  • Savings Protection: Safeguard your retirement funds

Choosing an Investonline Retirement Annuity provides peace of mind, empowering you to protect and grow your savings confidently.

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Retirement Annuity fees, straightforward and transparent

Just like when you book a vacation, you want to know the full cost upfront.

We believe the same should apply when investing your money. With us, you’ll always know exactly what you’re paying for.

  • No exit fees
  • No hidden costs
  • No penalties for changing your funds.

We keep our fees straightforward and consistent. You’ll know exactly what you’re paying from the start, with no surprises—whether retiring or during retirement.

Free Comparison

Tailored Retirement Annuity Portfolios

Our portfolios blend active and index (passive) strategies for flexible investing.

Smart, Balanced Growth

  • Diversification: Balanced investments
  • Growth: Consistent long-term returns
  • Cost: Competitive, efficient fees
  • Risk: Stable, adaptable approach
  • Flexibility: Portfolio options

With these options, you can confidently work toward your financial goals, whether with a balanced or single strategy, while staying within Regulation 28 limits, holding up to 75% in equities.

Performance
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Retirement Annuity: Performance

Investonline provides tailored active and passive (index) strategies with a proven track record to simplify investing.

Past PerformanceAsset Allocation
Investonline (IO) Portfolios1yr3yr5yr10yr15yrOffshore %Total Equity %
IO Balanced17.7%12.6%12.4%8.8%10.6%40%70%
IO Cautious19.0%12.4%11.0%8.6%8.8%20%40%
Regulation 28
IO Income12.1%9.6%8.3%8.0%8.4%0%0%
Source: Morningstar   Disclaimer
The table provides the latest performance history of our recommended funds. Capture errors may occur. Returns depend on underlying assets, market conditions and other factors. Past performance—excl. admin and advisor fees, which are minor, as well as taxes—does not guarantee future results.
Returns: Apr 2025

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.​

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Investonline (IO) Performance

Actual 15-year performance annualised from May 2010 to May 2025

10.6% IO Balanced 15 Yr Annualised

8.8% IO Cautious 15 Yr Annualised

Source: Morningstar   Disclaimer
The graph provides the latest performance history of our recommended funds. Capture errors may occur. Returns depend on underlying assets, market conditions and other factors. Past performance—excl. admin and advisor fees, which are minor, as well as taxes—does not guarantee future results.

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.

How Retirement Annuity Contributions Work?

Retirement Annuity Contributions

Save R110,000 with a Retirement Annuity

If you earn R1,000,000 per year and contribute R275,000 (the maximum of 27.5%) to a RA, your taxable income reduces to R725,000.

At a 39% marginal tax rate (SARS sliding scale):

  • Without RA contribution: Tax = R292,284 per annum
  • With RA contribution: Reduced Tax = R182,192 per annum

Tax Savings: You save R110,092 annually in your pocket instead of paying it to SARS while growing a Retirement Annuity.

Speak to a Client Manager today to optimise your contributions and take full advantage of the benefits of a Retirement Annuity.

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Retirement Annuity Comparison

Underperforming funds can limit your Retirement Annuity Fund’s growth.

Get More From Your Retirement Annuity

At InvestOnline, we focus on cost-effective solutions and consistently strong-performing funds to help you maximize your returns.

  • Know Your ReturnsGet a clear picture
  • Improve StrategyTailor your plan
  • Increase SavingsHelp to save more

Make sure your retirement is on track.

Get clarity with our free comparison report, offering insights into fees and fund performance to help you make informed decisions for a secure future.

Free Comparison
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9 Jul 25 11:00

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

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How to Get Started?

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Quick Questions & Answers

Dive into the most common Retirement Annuity questions—answered clearly, quickly and all in one place.

Retirement Annuity FAQs
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Our experienced team will help match products and funds to meet your financial goals.

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