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Change the way you think about retirement

Our Living Annuity is a cost-effective investment where you can invest your retirement savings to provide an income in retirement. It gives you access to a wide range of investment funds from top investment managers, allowing you the diversity you need. We uniquely reward clients with up to 50% extra retirement income for life when they withdraw wisely and live healthily in retirement.


Features of a living annuity

A living annuity is an investment plan designed to give you a regular income throughout your retirement, tailored to meet your individual retirement income needs. The different sources of money that you can use to invest in a living annuity are pension funds, provident funds, preservation funds, retirement annuities or transfers from other living annuities.

You need at least R75 000 to invest in our Living Annuity.

You can withdraw an income of between 2.5% to 17.5% of your total investment value a year.

You need to manage your investment so that it lasts throughout your retirement.

You can leave your remaining investment value to your beneficiaries when you die.

All investment growth on the investment funds you choose is tax free but your income will be taxed.


We make healthy lifestyle choices even more rewarding

With our Living Annuity, you choose the income you want to receive. We reward your positive behaviours with boosts that increase the income you receive from your Living Annuity. You can get boosts of up to 50% to your retirement income, for life, simply for living well and withdrawing your retirement income wisely.

Withdraw wisely

As people are living longer, retirement savings need to last longer too. Withdraw only what you need and keep the rest invested so that you have enough money to last throughout your retirement.

Get rewarded with
up to 12.5% more retirement income for life,
for simply withdrawing wisely.

Live well with Vitality

Managing your health and wellness allows you to enjoy your golden years and avoid costs associated with ill health.

Get rewarded with
up to 50% more retirement income for life,
for simply managing your health with Vitality and withdrawing wisely.


Calculate your income boost

We can help you achieve your ideal retirement income with our boosts. Calculate the income boost you can get based on your Vitality engagement and withdrawal levels.

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Get peace of mind from knowing your monthly income with our Fixed Annuity

A fixed annuity gives you peace of mind because you know what your income will be in retirement and you'll receive an income for the rest of your life. You can buy our Fixed Annuity using anything from two thirds of the benefit up to the full amount that you receive from your pension fund, provident fund or retirement annuity when you retire.

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Is retirement around the corner for you? You may have visions of long days lazing on the beach, or maybe you're counting down the months before you launch yourself into a new venture or passion project. Whatever your plans are, it's important to realise that even if you're no longer working fulltime, it's still essential to save for an income.

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