Investment Frontiers Retirement Portfolio

If you have R2 000 per month or a lump sum of R100 000 to invest, the Investment Frontiers Retirement Capital Portfolio offers tax-efficiency combined with access to a broad range of investment options.

Features and Benefits

Access to a wide range of investment options (local and international markets) managed by a range of leading asset managers.
Investment minimums from R100 000 lump sum and/or
R2 000 per month for scheduled payments.
You may either invest directly into the funds of your choice or, phase in your capital from the SA Money Market Fund or the Secured Fund at intervals of your choice.
You may switch between investment options, subject to the terms and conditions of the investment options available at the time, according to your changing investment needs.
Contributions are deductible from taxable earnings.
Contributions can be stopped without penalty and your capital will remain invested until retirement.
You may not effect a withdrawal prior to retirement.
Your investments cannot be touched by creditors if you need to declare insolvency.
On retirement (55 years onwards), the Investment Frontiers Retirement Capital Portfolio pays you a lump sum amount of up to one third of your invested capital. A portion of this lump sum may be tax-free*.
The remainder of your investment must be used to buy an approved compulsory annuity that will pay you a regular income for the rest of your life.
In the event of ill-health or total disability, you may apply for early withdrawal.
No loans are allowed.
You may nominate beneficiaries. However the trustees of the Fund are obliged to meet the needs of your dependants first before favouring your beneficiary nominees.
Your contract may not be ceded.
The underlying funds of your Retirement Annuity must comply with Regulation 28. This regulation ensures that your portfolio has sufficient diversification of asset classes. This diversification ensures that the portfolio is not concentrated in any one particular area and reduces the risk of the portfolio.