Preserver Plans

A preserver plan is an investment designed to keep your retirement savings invested if you're leaving your employer as a result of resignation, dismissal, or retrenchment, or if your pension or provident fund is wound up. With these plans you preserve your pension or provident fund savings from your previous employer until you retire.


Features of a preserver plan

Your investment growth is tax free and can be deductible from your taxable income

You cannot withdraw your savings until age 55, which means that you preserve your savings for retirement

There are regulatory guidelines on where you can invest your retirement savings and no guarantee of performance.

There are fees that apply to your investment. Speak to your financial adviser for a detailed quote

You can make extra contributions to your investment.

Stay invested to protect your savings with our Preserver Plan

Our Preserver Plans have minimum investment amounts, depending on your age.

Monthly recurring contribution

Age and minimum investment amount

If you are under 30:


If you are over 30:  


We make healthy investment and lifestyle choices even more rewarding

Our preserver plans are designed to help you create financial independence in retirement by rewarding you with boosts and fee discounts for taking proactive steps to manage your money and health.

Invest early

Invest as early as possible to extend your investment term and benefit from compound interest.

Get a boost of up to 20% to your initial investment

Increased global exposure

  • Invest your boost offshore in one of the three Cogence risk-profiled global portfolios advised by BlackRock (Cogence Global Cautious Portfolio, Cogence Global Balanced Portfolio and Cogence Global Growth Portfolio).
  • This is the only retirement solution on the market where you can get up to 65% exposure to offshore markets.
  • At retirement you can take up to 100% of the boost in cash, invest it in your retirement plan, or invest it into a Discovery Global Endowment and continue to invest in hard currency.

Enjoy a wide choice of funds to invest in

Your plan is a collection of funds. Once you have chosen your investment plan, you can decide which funds to invest your money into. Your decision should align with an investment strategy that you and your financial adviser agree on, and the investment goals you have.

We offer you access to a range of unit trust funds across various investment managers through a single-entry point. This means you can invest in our investment plans and choose investment funds that are managed by leading investment managers.


Educational content to help with decision making

Is saving for retirement a blip on your radar, or is it a worry that keeps you up at night? Either way, when you understand how relevant saving for retirement is, you'll be enabled to make the right decisions, and reap the peace of mind that it brings. Get to the bottom of retirement basics.

Getting started

Tips to help you put your retirement plan into action

Find out more

Staying on the course

4 behaviours that'll get you to a comfortable retirement

Find out more

Tasting success

I'm retiring soon - what are my options now?

Find out more

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