Retirement annuity
Retirement annuity

Save more with Sa's only flat-fee RA

No percentage-based charges eating into your retirement savings. Multiple fund options to choose from.

Have an existing RA? Transfers to Fynbos are coming soon!

Why it matters

A retirement annuity helps you save for retirement with a tax break today and built-in discipline to keep your money invested until you retire.

An RA is usually best as part of a broader plan - many people blend an RA with a TFSA to manage tax more efficiently in retirement.

Why it matters

A retirement annuity helps you save for retirement with a tax break today that enables you to save more of what you earn. It also comes with built-in discipline, forcing you to leave your money invested until you retire.

Your RA is not tied to your employer. You have complete control over where you invest (we offer multiple fund choices), and it doesn't need to be cashed out or transferred if you change jobs.

Another major benefit of an RA is that it's protected from creditors, making it a safe place for entrepreneurs to save for retirement, even if they are taking risks with their personal finances to build their business.


How it works

How to open an RA

Add account

Navigate to Accounts and select "Add account".

Add required details

Pick your fund

Add beneficiary

Set up automation rules

How it works

How to open an RA

Add account

Navigate to Accounts and select "Add account".

Add required details

Pick your fund

Add beneficiary

Set up automation rules

How it works

How to open an RA

Add account

Navigate to Accounts and select "Add account".

Add required details

Pick your fund

Add beneficiary

Set up automation rules

Key benefits

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Pay a flat platform fee

You pay for access to the platform each month - not a percentage of your balance. The more you invest, the better the value.

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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Everything in one place

Your RA can sit alongside your other Fynbos products. One debit order, one view.

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Straightforward to use

Simple online setup, transparent fees and helpful support when you need it.

Who's it for?

A Fynbos RA works for anyone saving for retirement. You'll benefit most if you're in a higher tax bracket, or if you already have an RA elsewhere and want better value with flat fees. RAs help you stay disciplined - limited withdrawals keep your money invested long-term.

It’s also a good fit if you prefer managing your emergency savings, TFSA, investing and retirement in one place.

Fynbos fund options

 All RA investments are Regulation 28 compliant.

Common questions

Can I access my money before retirement?

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Can I access my money before retirement?

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Can I access my money before retirement?

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How does the tax deduction work?

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How does the tax deduction work?

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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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What's the maximum I can contribute?

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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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How does the R100/month fee compare to other providers?

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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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Can I have both an RA and a TFSA?

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Can I have both an RA and a TFSA?

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Need more info? Contact Support

Ready to invest in your future?

Ready to invest in your future?

Ready to invest in your future?