Retirement Planning
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Know Your Number
Secure your retirement with Pension, Provident, Preservation Funds, Living and Retirement Annuities—built for growth and backed by expert support.
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 makes income tracking easy.
Complete your details to unlock all the features.What is a Retirement Planning?
Maximise Your Retirement Future
With InvestOnline, you can spread your investments and receive expert Retirement Planning. Our personalised services include:
- Tailored Strategies: Plans customized to your unique goals.
- Reliable Growth: Investment options for stable, consistent returns.
- Expert Guidance: Professional advice to navigate your journey.
Our complete retirement solutions ensure your golden years are comfortable and stress-free. At Investonline, we offer tailored support to maximize retirement savings.
Benefits of a Retirement Planning?
- Peace of Mind: Secure and worry-free future
- Achieve Goals: Fulfill retirement dreams
- Build Legacy: Leave a meaningful 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.
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.
Our Retirement Products
Smart solutions for a secure and 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.
Retirement Planning 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 or provider
We keep our fees straightforward and consistent. You’ll know exactly what you’re paying from the start, with no surprises—whether that’s next month or when you retire.
How Retirement Saving Contributions Work?
Retirement Saving 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 an RA, your taxable income reduces to R725,000.
At a 40% marginal tax rate (SARS sliding scale):
- Without RA contribution: Tax = R400,000 per annum
- With RA contribution: Reduced Tax = R290,000 per annum
Tax Savings: You save R110,000 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.
How Retirement Savings works?
Retirement Planning: Secure Your Future
Planning for retirement ensures peace of mind by reducing taxes, growing wealth, and preparing you financially for the future.
Retirement savings provide a tax-efficient, flexible, and reliable way to build your financial foundation while offering long-term benefits for you and your family.
Key Benefits:
- Tax Relief: Reduce taxable income.
- Tax-Free Growth: No tax on returns.
- Expert Guidance: Maximise your strategy.
With Investonline, you’ll have access to professional advice and tailored solutions to make the most of your retirement savings.
Benefits of Saving Towards Retirement
- Tax Deductible: Contributions reduce taxable income
- Higher Refunds: Larger contributions, bigger refunds
- Tax-Free Growth: No tax on returns
- Rollovers: Excess contributions carry forward
- Lump Sum: Withdraw up to one-third tax efficiently
Living Annuities provide income in retirement, Preservation Funds protect savings during job changes, and Retirement Annuities offer tax-efficient growth.
With Investonline’s expertise, you can combine these products for a tailored, secure retirement plan.
Maximise Your Returns
Maximise pre- and post-retirement returns with Living Annuities, Preservation Funds, Retirement Annuities. Our portfolios blend active & index strategies for flexibility.
Key Investment Benefits
- Diversify: Blend of active and index
- Growth: Time spend in the markets
- Cost: Keep overall cost low fees
Reach your goals with proven strategies.
| Investonline (IO) Portfolios | 1yr | 3yr | 5yr | 10yr | 15yr | |
|---|---|---|---|---|---|---|
| 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% |
Investonline (IO) Performance
Actual 15-year performance annualised from Apr 2010 to Apr 2025
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.
Comparison: How it works
At Investonline, we offer a free comparison 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
Retirement Planning Comparison
High fees and underperforming funds can hinder the growth of your Living Annuity, Preservation Fund, or Retirement Annuity, impacting your overall retirement savings.
Get More From Your Retirement Products
At InvestOnline, we focus on cost-effective solutions and consistently strong-performing funds to help you maximize your returns.
- High Fees: Erode long-term wealth growth
- Underperforming Funds: Limit your earning potential
- Stay on Track: Ensure your retirement plan is performing
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.
Tax Optimisation for Investors
Speakers → Nick Brummer & Stuart Dyer
11 Jun 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 Client Portfolio Managers
Get more insight
View our FAQs to find short answers to your questions about from Retirement to Offshore Investing.
How to Get Started?
Quick Questions & Answers
Dive into the most common Retirement Planning questions—answered clearly, quickly and all in one place.
Speak to a Dedicated Specialist
Our experienced team will help match products and funds to meet your financial goals.