All Discovery Invest Plans

Flexible Investment Plans

Our Flexible Investment Plans allow you to access your money whenever you need it. We give you the freedom to choose from top local and international funds, managed by leading fund managers. Whether you choose to invest a lump-sum or monthly, locally or offshore, we have a plan to meet your needs.

 

Investing a lump-sum can help you to save towards a lifestyle you aspire to. When you invest R100 000 or more, you also get a boost to the portion you invest in qualifying Discovery funds if they don’t perform in the top 25% of their sector. The longer you remain invested, the more you can get out.

At a glance

Fees that apply

Discovery Invest fee

We charge a yearly admin fee, which may depend on the size of your investment.

Investment manager fees

Investment managers may charge initial and ongoing fees.

Financial adviser fees

Your financial adviser can charge initial and ongoing advice fees.

Please contact your financial adviser for a detailed quote on fees.

Investment guarantees

No guarantee of investment performance

For investments of R100 000 or more, for an extra premium you can get a boost to protect you if your funds underperform. Read our brochure and Fact File for more information

Read our brochure for more information.

Minimum investment amounts

R5 000

 
R 5 000 lump-sum
if you’re under 30

R60 000

 
R 60 000 lump sum
if you’re over 30
You can make extra contributions to your investment.

Tax

The following applies to you:

Your personal rate of tax will apply to all investment growth
20% on dividends

Investment term

Short - Medium Term
3 to 10 years

Fact File

Read the relevant Fact File for details of:

How the fees and discounts work
How you can get investment manager fees back if you also have a Retirement Annuity or Preserver Plan
What happens to your investment on your death

The latest fact file might not be applicable to your Investment

Investing monthly amounts helps you to be committed to your savings plan – and the money builds up over time. We give a discount on your admin fees to Discovery Invest based on your Vitality status, the amount you invest and how long you’re invested. This means you have more money to invest and grow.

At a glance

Fees

Discovery Invest fee

We charge a yearly admin fee, which may depend on the size of your investment.

Investment manager fees

Investment managers may charge initial and ongoing fees.

Financial adviser fees

Your financial adviser can charge initial and ongoing advice fees.

Policy fees

You get a discount on your admin fees based on your Vitality status, the amount you invest in qualifying funds and how long you’re invested

Please contact your financial adviser for a detailed quote on fees.

Fact File

Read the relevant Fact File for details of:

How the fees and discounts work
The exclusions that apply to the Contribution Waiver
How you can get investment manager fees back if you also have a Retirement Annuity or Preserver Plan

The latest fact file might not be applicable to your Investment

Minimum investment amounts

R300

 
R300 a month
if you’re under 30

R850

 
R850 a month
if you’re over 30
You can make extra contributions to your investment.

Tax

The following applies to you:

Your personal rate of tax will apply to all investment growth
20% on dividends

Investment term

Short - Medium Term
3 to 10 years

Investment guarantees

No guarantee of investment performance

You can protect your investment against unexpected life events with a Contribution Waiver that pays your contributions for you if you become severely ill or disabled during the investment. This benefit comes at an additional premium. Read our brochure and Fact File for more information

Read our brochure for more information.

This plan allows you to earn interest without paying tax on the growth. The longer you stay invested, the more your investment will grow.

At a glance

Fees

Discovery Invest fee

We charge a yearly admin fee, which may depend on the size of your investment.

Investment manager fees

Investment managers may charge initial and ongoing fees.

Financial adviser fees

Your financial adviser can charge initial and ongoing advice fees.

Please contact your financial adviser for a detailed quote on fees.

Fact File

Read the relevant Fact File for details of:

How the tax free limits work
The funds that can be invested in
How the lifetime limits work

The latest fact file might not be applicable to your Investment

Minimum investment amounts

R5000

 
If you're younger than 30:
R300 recurring
or
R5 000 lump-sum

R33000

 
If you're older than 30:
R850 recurring
or
R33 000 lump-sum
You can make extra contributions to your investment.

Tax

The following applies to you:

Your personal rate of tax will apply to all investment growth
20% on dividends

Investment term

Short - Medium Term
3 to 10 years

Investment guarantees

No guarantee of investment performance

Do you want to protect your investment from life events and poor market conditions?

Read our brochure for more information.

Our Offshore Flexible Investment Plans give you access to a wide range of global funds, managed by leading international fund managers. You can diversify your investment by geography, asset class and currency (including US dollars, pounds and euros). And you can access your money whenever you need it.

At a glance

Fees

Discovery fee

We charge a yearly admin fee, which may depend on the size of your investment.

Investment manager fees

Investment managers may charge initial and ongoing fees.

Financial adviser fees

Your financial adviser can charge initial and ongoing advice fees.

Custodian fees

Please contact your financial adviser for a detailed quote on fees.

Fact File

Read the relevant Fact File for details of:

Getting tax clearance for this investment
How the Fees work

The latest fact file might not be applicable to your Investment

Minimum investment amounts

R100 000

 
You can make extra contributions to your investment.

Tax

The following applies to you:

Your personal rate of tax will apply to all investment growth
20% on dividends

Investment term

Short - Medium Term
3 to 10 years

Investment guarantees

No guarantee of investment performance

Do you want to protect your investment from life events and poor market conditions?

Read our brochure for more information.

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