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Save more with a flat-fee RA
A percentage fee takes more as your balance grows. A flat fee doesn't. That difference compounds in your favour.
Have an existing RA? See exactly what its fees are costing you below.
See how much more you keep
Figures are illustrative projections, not a guarantee of returns. Projections run from your current age to retirement at age 65 and assume growth of 10% a year (compounded monthly, before inflation). Both scenarios use the same growth and monthly contribution - only the fee differs. The Fynbos line applies a flat R100/month fee; the comparison applies an annual fee charged on your entire balance (a typical platform + advisor fee), deducted monthly. The chart shows your projected retirement pot, and "you keep an extra" is the difference in final value between the two fee structures. No tax, TFSA limits, brokerage costs, or inflation adjustment are applied.
See how your retirement annuity contributions could grow over time and whether you are on track to retire comfortably - with our built in RA calculator
Why choose Fynbos for your RA?
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Pay a flat platform fee
A percentage fee takes more every year your balance grows. With a flat fee, your cost stays still and the difference compounds in your favour.
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Multiple fund choices
Most platforms limit your options. We offer multiple Reg 28-compliant funds at the same flat fee. Switch anytime.
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No charges from an advisor
RAs are typically sold through advisors who take an ongoing cut. Fynbos is direct. No intermediary, no commission, no extra layer of fees on top of your fund costs.
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Everything in one place
Your RA sits alongside your other Fynbos products. One debit order, one view, one login - across all six.
Emergency savings
Savings pots
Retirement annuity
Open or transfer - both start in your Fynbos account
1.
Sign up
Create your Fynbos account with your ID in a couple of minutes.
2.
Transfer or start fresh
New to retirement savings?
Choose from our Reg 28 funds, or let life-stage do it for you, then set a monthly debit order, a once off amount, or both.
Transfer an existing RA?
Tell us who holds it - we handle the Section 14 paperwork. It takes a few weeks, costs nothing from us, and we update you at each step.
3.
You're invested
Flat R 100 /month, tracked in the app
You pick new or transfer inside the app. Check your current provider for exit penalties.
Common questions
Can I access my money before retirement?
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How does the tax deduction work?
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What's the maximum I can contribute?
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How does the R100/month fee compare to other providers?
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Can I have both an RA and a TFSA?
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How long does an RA transfer take?
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