WHY AN OLD MUTUAL RETIREMENT ANNUITY?

 

When you start investing you want to make sure that you choose a fund that is perfect for your goals and needs. The Old Mutual unit-trust based Retirement Annuity is one of the most affordable retirement annuities in South Africa. It is also a flexible investment whereby you can adjust your portfolio to match your lifestyle. Invest online now and have the freedom to choose your investment from our full range of unit trusts. For more information visit Retirement Annuity Fund.

 

WHAT ARE THE BENEFITS OF GETTING A RETIREMENT ANNUITY?

 

Invest Online

Invest Online

Need Assistance?
Please call:
0860 234 234

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Welcome!

Start investing for your future from as little as R500 per month and 0% initial fees by completing a few easy steps online.

You will need the following to complete your purchase:

  • - Your SA income tax number
  • - Your ID document; Passport (please provide all forms of identity to ensure global tax compliance read more.)
  • - Other ID types are as follows: - Non RSA ID (Applies to any identification type other than RSA ID and the list below) - British National Insurance Number - Social Security Number - Namibian ID
  • - Your recent utility bill (not older than 3 months)
  • - Your bank details
  • - The SA ID number of your beneficiaries if you are investing in the retirement annuity option

Note:

  1. The Effective Annual Cost (EAC) is a standard industry measure to facilitate comparing the cost of an investment over specific periods. Visit the EAC page for more information and to access the EAC calculator.
  2. This investment process allows for direct debits only and is for private investors over the age of 18 investing on their own behalf. Please contact 0860 234 234 for investments via EFT, direct deposit or on behalf of 3rd parties.
  3. If you select a Tax-Free Investment please make sure you understand the maximum investment amounts allowed annually and during your life time. You are allowed to invest R33 000 tax free per tax year, but not more than R500 000 in your lifetime. Withdrawals do not mean that you can invest more. If you invest R33 000 in a tax year and withdraw R15 000, you have still invested your full amount for the year. If you reinvest R15 000 into your account you will go over the limit and will incur tax on the R15 000. By continuing, you have read and agree to the terms and conditions.
  4. If you choose a retirement annuity you will only be able to access your money once you reach retirement age. By continuing, you have read and agree to the terms and conditions.
  5. When investing directly, you are solely responsible for your investment choices and their associated outcomes. Old Mutual Unit Trust Managers (RF) (Pty) Ltd does not provide advice.
  6. Remember that if you are unsure of your investment in any way, please consult a financial adviser.
1 Choose Your Investment Funds Edit
  • Help me choose a fund
  • I know which funds I want to choose

When do you need your
money back?

1yr
20yr+

How big would this investment be compared to your others?

small
large

What is your
growth objective?

low
high

What is your
risk appetite?

low
high
Risk Profile:
Low RiskriskHigh Risk
Suggest Funds
Suggested Funds Risk Rating

Note: These funds comply with the maximum exposure limits imposed by Regulation 28 of the Pension Funds Act. In order to invest in funds with higher exposure to the various asset classes, please contact a financial adviser.

Select your fund/s (Need Help? Click Here)

Add Fund



Note: The funds available here for selection are all Regulation 28 certified funds. You can invest in unit trust funds from our broader range of funds available to build your own portfolio (according to Regulation 28 requirements) by calling our Service Centre on 0860 234 234.

Your Current Funds Basket Risk Rating Lumpsum Monthly Investment Options

Please supply us with your date of birth in order for us to display your Effective Annual Cost for the contractual period.

The South African Reserve Bank’s maximum daily limit for a debit order instruction on a bank account is
R1 000 000. Once we have received your application, we will contact you to discuss the debit order split of your investment over the number of days that you are happy with.
Your Current Total Investment

Effective Annual Cost

The Effective Annual Cost (EAC) is a measure which has been introduced to allow you to compare the charges you incur and their impact on investment returns when you invest in different Financial Products. It is expressed as an annualised percentage. The EAC is made up of four components, which are added together, as shown in the table below. The effect of some of the charges may vary, depending on your investment period. The EAC calculation assumes that an investor terminates his or her investment in the Financial Product at the end of the relevant periods shown in the table.

Effective Annual Cost :
Charges 1 Year 3 Year 5 Year Term to Maturity
years4

Notes

2 Your Details Edit
Your Details
Tax Number:
Tax Number:
Tax Number:
3 Banking Details Edit
Income Details
Bank Account Details
Please note the following:
  • Your investment will be via a debit order to be deducted from your bank account.
  • You may only authorise a debit order from your own savings or current account.
  • The transaction reference on your bank statement for this instruction will be OM UNITTRU followed by your unit trust fund account number.
  • The proceeds from sold units can only be paid into your own bank account.
4 Beneficiary Details Edit


Should you pass on before you reach retirement age, your funds are paid out to the person(s) you nominate. To ensure that these funds are accurately paid out, it's essential that your Beneficiary Nomination Form is regularly updated.

Note: The Old Mutual Unit Trusts Retirement Annuity Fund's Board of Trustees has the discretion to allocate your death benefit once they have reviewed your information as per the Pension Funds Act of 1956.

Total Benefit Share Add Beneficiary
5 Correspondence Details Edit
Correspondence Details

Note: For any country other than the Republic of South Africa the postal code should be 0000

Note: For any country other than the Republic of South Africa the postal code should be 0000
6 Authorisation Edit

1. Print and complete the declaration form

Once you have checked the "Complete your application" checkbox below, the "Complete my purchase" button will be enabled.

Clicking on the enabled button will complete your application and open a declaration form in a new window, as well as send a copy to the email address that you have provided.

Please print and sign the document

2. Gather your supporting FICA documentation

We require the following supporting documentation:

  • Proof of your residential address on a utility bill or bank statement.
  • A copy of your green bar coded identity document (SA Citizen) or valid passport (foreign national).

3. Email or fax documentation

Email or fax through your signed declaration form and supporting documentation.

  • Email: uttransactions@oldmutual.com
  • Fax: 021 509 7100

4. Complete your application

Thank You

Thank you for "investing direct" with Old Mutual Unit Trusts. Don’t forget to register for your secure access to your portfolio on our website, where you can view and manage your portfolio 24/7, from the comfort of your own home.
Our Welcome Letter will be emailed to you (on receipt of your supporting documents) and will guide you in terms of your next steps.

 

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A professional adviser will contact you within 48 hours to assist you.
Please note our working hours are 08:00 to 17:00 weekdays.

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