Investments

Investments A person would like to save money for various reasons such as their children's education, going on holiday or maybe a deposit for a house or car.

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Tax-Free Investment

A tax-free investment is a smart savings vehicle that allows you to grow your money without paying tax on interest, dividends, or capital gains. These government-approved accounts are designed to encourage disciplined saving while helping you build long-term financial security.

Our Tax-Free Investment Plan gives you full control over your savings while offering flexibility and simplicity. Whether you are saving for future goals, building an emergency fund, or investing for long-term wealth, this solution provides peace of mind knowing that every rand of growth is completely tax free.

You can invest through convenient monthly contributions, a lump sum, or a combination of both — up to R46,000 per tax year, in line with current legislation.

Key Benefits

  • Tax-free growth: No tax on interest, dividends, or capital gains.

  • Transparent fees: Clear, competitive pricing with no hidden costs.

  • Flexible contributions: Invest monthly, make once-off deposits, or combine both.

  • Access to your money: Withdraw funds whenever needed with no penalties.

  • Adjustable investments: Increase, decrease, pause, or stop contributions at any time.

Start investing today and take advantage of one of the most efficient ways to grow your wealth while keeping more of your returns.

Unit Trust Investments

A unit trust is a collective investment that pools money from multiple investors and invests it into a professionally managed portfolio of assets such as shares, bonds, property, and cash. This approach provides instant diversification, helping to reduce risk while positioning your investment for long-term growth.

Unit trusts are one of the most popular investment vehicles because they make it possible to access expertly managed portfolios without needing large amounts of capital. Whether you are a first-time investor or looking to expand an existing portfolio, unit trusts offer a flexible and efficient way to grow your wealth.

Professional fund managers actively monitor market conditions and adjust the portfolio to align with the fund’s objectives, allowing you to benefit from expert decision-making without having to manage the investments yourself.

Key Benefits

  • Diversification: Spread your investment across multiple asset classes to help manage risk.

  • Professional management: Experienced fund managers make informed investment decisions on your behalf.

  • Accessibility: Start investing with relatively modest amounts.

  • Flexibility: Choose from a range of funds aligned to your goals, time horizon, and risk tolerance.

  • Transparency: Clear reporting on performance, holdings, and fees.

Before investing, it is important to consider the fund’s objectives, risk profile, fees, and long-term performance to ensure it aligns with your financial goals.

Build a stronger financial future with a diversified investment strategy designed to help your money work harder for you.

Endowment Policies

An endowment policy is a long-term investment solution designed to help you grow your wealth in a structured and tax-efficient manner. Governed by the Long-Term Insurance Act, these investments have a minimum term of five years and provide access to a wide range of professionally managed portfolios.

Endowments are particularly attractive to investors seeking disciplined, medium- to long-term growth while benefiting from favourable tax treatment. Unlike traditional bank investments, the taxation is handled within the policy, simplifying your financial planning.

During the investment term, you are allowed limited access to your funds, with up to two withdrawals permitted between years two and five of the contract. This structure encourages committed saving while still offering a degree of flexibility when needed.

Tax Efficiency

One of the key advantages of an endowment policy is how the investment growth is taxed. The life assurer pays the applicable taxes within the policy, meaning proceeds are typically received tax paid — removing the need for you to declare this investment growth in your personal income tax.

The tax rate applied within the Individual Policyholder Fund is currently 30%, which may be advantageous for investors whose marginal tax rate is higher.

Key Benefits

  • Tax-efficient growth: Taxes are handled within the policy, simplifying administration.

  • Investment discipline: A minimum five-year term supports long-term wealth creation.

  • Portfolio choice: Access a diversified range of investment options.

  • Estate planning benefits: Endowments can assist with efficient wealth transfer.

  • Structured withdrawals: Limited early access encourages consistent investing while providing flexibility.

An endowment policy can be a powerful tool for investors looking to optimise after-tax returns while maintaining a focused approach to long-term financial goals.

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