Retirement and wealth
Retirement Planning in South Africa
Retirement planning is the set of decisions about how much to save, which kind of fund to use, and how to draw an income later. A planning service is not itself a retirement annuity or a living annuity. This page does not say that any brand is your adviser.
Retirement investments can rise or fall in value. Fees, tax treatment and withdrawal rights depend on the product, the fund rules and the legislation. Information checked 28 October 2026.
Before you compare
- Employer funds, retirement annuities, preservation funds and living annuities do different jobs. The links below keep them apart.
- A provider that sells a product is not, on that fact alone, an independent financial adviser. FSCA authorisation was not checked, so no FSP number is shown.
- OUTvest, Old Mutual and Sanlam stay off the cards. Their product or advice status still has to be verified.
Compare providers
7 products on this page. The provider name links to the WiT Money profile. The gold button opens the recorded website. It is not an application.
7 of 7 products, in name order. A minimum that was not checked stays in the list. It is not treated as zero, and nothing is sorted by fee.
- 10X Investments. No official logo is shown.
10X Investments — Retirement Planning / Advice
Planning/advice service
Retirement planning and/or advice, not automatically a distinct investment product
- What it is
- Planning/advice service
- Costs
- Full costs depend on the selected funds, the amount and any advice. Review the current disclosure.
- Role
- Depends on products ultimately selected
Confirm whether monthly contributions, lump sums or transfers are available.
Advantages
- Transparent published investment approach
- online access
Considerations
- Investment risk
- published fees vary by fund, balance and promotion
Not guaranteed; market and longevity risk Not applicable — investment returns not guaranteed
Notes checked 28 October 2026. Confirm the current minimum, fees and fund rules with the provider. No FSCA registration is shown as confirmed on this card.
Allan Gray — Retirement Planning / Advice
Planning/advice service
Retirement planning and/or advice, not automatically a distinct investment product
- What it is
- Planning/advice service
- Costs
- Full costs depend on the selected funds, the amount and any advice. Review the current disclosure.
- Role
- Depends on products ultimately selected
Confirm whether monthly contributions, lump sums or transfers are available.
Advantages
- Investment choice
- established SA manager
Considerations
- All-in cost depends on selected investments and adviser
- access restrictions
Not guaranteed; market and longevity risk Not applicable — investment returns not guaranteed
Notes checked 28 October 2026. Confirm the current minimum, fees and fund rules with the provider. No FSCA registration is shown as confirmed on this card.
Coronation — Retirement Planning / Advice
Planning/advice service
Retirement planning and/or advice, not automatically a distinct investment product
- What it is
- Planning/advice service
- Costs
- Full costs depend on the selected funds, the amount and any advice. Review the current disclosure.
- Role
- Depends on products ultimately selected
Confirm whether monthly contributions, lump sums or transfers are available.
Advantages
- No initial/account/admin fees on selected products
- fund options
Considerations
- Underlying fund fees
- unit trust selection and retirement restrictions
Not guaranteed; market and longevity risk Not applicable — investment returns not guaranteed
Notes checked 28 October 2026. Confirm the current minimum, fees and fund rules with the provider. No FSCA registration is shown as confirmed on this card.
Discovery Invest — Retirement Planning / Advice
Planning/advice service
Retirement planning and/or advice, not automatically a distinct investment product
- What it is
- Planning/advice service
- Costs
- Full costs depend on the selected funds, the amount and any advice. Review the current disclosure.
- Role
- Depends on products ultimately selected
Confirm whether monthly contributions, lump sums or transfers are available.
Advantages
- Wide retirement and income solutions
- additional conditional benefits
Considerations
- Complex product benefits/qualifications
- confirm layered charges
Not guaranteed; market and longevity risk Not applicable — investment returns not guaranteed
Notes checked 28 October 2026. Confirm the current minimum, fees and fund rules with the provider. No FSCA registration is shown as confirmed on this card.
- Liberty. No official logo is shown.
Liberty — Retirement Planning / Advice
Planning/advice service
Retirement planning and/or advice, not automatically a distinct investment product
- What it is
- Planning/advice service
- Costs
- Full costs depend on the selected funds, the amount and any advice. Review the current disclosure.
- Role
- Depends on products ultimately selected
Confirm whether monthly contributions, lump sums or transfers are available.
Advantages
- Established retirement fund structures
- advice channels
Considerations
- Current living annuity offering not independently verified here
- fee detail missing
Not guaranteed; market and longevity risk Not applicable — investment returns not guaranteed
Notes checked 28 October 2026. Confirm the current minimum, fees and fund rules with the provider. No FSCA registration is shown as confirmed on this card.
- Momentum. No official logo is shown.
Momentum — Retirement Planning / Advice
Planning/advice service
Retirement planning and/or advice, not automatically a distinct investment product
- What it is
- Planning/advice service
- Costs
- Full costs depend on the selected funds, the amount and any advice. Review the current disclosure.
- Role
- Depends on products ultimately selected
Confirm whether monthly contributions, lump sums or transfers are available.
Advantages
- Advice-led fund/income options
- broad selection
Considerations
- Layered fees and conditions
- some products require advice
Not guaranteed; market and longevity risk Not applicable — investment returns not guaranteed
Notes checked 28 October 2026. Confirm the current minimum, fees and fund rules with the provider. No FSCA registration is shown as confirmed on this card.
- Sygnia. No official logo is shown.
Sygnia — Retirement Planning / Advice
Planning/advice service
Retirement planning and/or advice, not automatically a distinct investment product
- What it is
- Planning/advice service
- Costs
- Full costs depend on the selected funds, the amount and any advice. Review the current disclosure.
- Role
- Depends on products ultimately selected
Confirm whether monthly contributions, lump sums or transfers are available.
Advantages
- Range including index funds
- investor choice
Considerations
- Fees differ by underlying investments
- market volatility
- product rules
Not guaranteed; market and longevity risk Not applicable — investment returns not guaranteed
Notes checked 28 October 2026. Confirm the current minimum, fees and fund rules with the provider. No FSCA registration is shown as confirmed on this card.
Compare selected products
Choose up to three on this page. Costs are not added into one Effective Annual Cost, and nothing is ranked.
No products selected.
Not shown as a current product
These names stay off the comparison until the product documents are checked. No fee or minimum is shown for them.
Old Mutual — Retirement Planning / Advice
Specific offerings, rates and fees are not published until official product documents are checked.
Sanlam — Retirement Planning / Advice
Specific offerings, rates and fees are not published until official product documents are checked.
OUTvest — Retirement Planning / Advice
This name is not labelled as a retirement annuity, preservation fund or living annuity provider until the products are verified.
Estimate how savings could grow
How this works
Start with the gap, not a product
The calculator shows what a set of assumptions does to a pot, and what capital would be needed to pay a level income for a period you choose. Change the growth rate and the fee and look again.
Inflation
A rand in retirement buys less than a rand today. The tool shows an illustrative pot in today's money as well as the future rand amount. It is not a forecast.
Advice
Advice has a cost and a conflict if the adviser is paid from the product. Ask for the fee in rand or percent, and for the legal entity's authorisation, before you treat a conversation as regulated advice.
Costs
A retirement product can charge for administration, for the underlying investment, and for advice. An Effective Annual Cost depends on the amount, the term and the funds chosen. Those disclosure documents are not reproduced here, so this page does not invent an EAC or add a fund fee on top of one. Where the card asks you to review the current disclosure, that is the whole cost position.
Tax, in outline
For the 2027 year of assessment, the contribution deduction used on this site is 27.500000000000004% of the relevant income, capped at R430 000. That cap is not an automatic deduction. A savings-component withdrawal, another fund withdrawal, a retirement lump sum and income from a living annuity follow different SARS rules. A savings-component withdrawal is not tax-free. This page does not run one tax table across all of them.
Questions
Questions readers ask
Does this page tell me how much I must save?
No. It shows the result of the numbers you type. Taxes, a spouse's income, a pension, medical costs and the actual investment return can all move the answer.
Is every company on this page a financial adviser?
No. The published notes classify these rows as planning or advice services sitting next to product providers. Authorisation was not confirmed.
Where do I compare the products themselves?
Use the retirement annuity, preservation fund and living annuity pages. Each one only lists that category.
Related
Sources
Page updated 28 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.
- Budget 2026 tax guide
South African Revenue Service · checked 28 October 2026
- Financial Sector Conduct Authority
Financial Sector Conduct Authority · checked 28 October 2026
- Rates of tax for individuals
South African Revenue Service · checked 28 October 2026