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This site is for private investors. We recommend that you seek independent financial advice to ensure our Funds are suitable for your investment needs. Please remember capital is at risk and past performance is not a guide to the future.

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Protect your retirement income from inflation

When you are retired, you need an income from your savings while still growing your capital to protect your money from inflation. A living annuity is specifically designed for this purpose.

Investec Investment Linked Living Annuity


When you are retired, it is great to have the flexibility to change your income annually (within certain parameters) and continue to grow your retirement savings. You can choose and change:

  • Your level of income
  • How frequently you want to draw an income
  • From which funds you want to draw an income – you have access to our range of quality-approved local and offshore funds

Here’s how it works:

What you do

  • Select one or more funds from Investec range of funds (Investec Fund Managers) - View our Core Fund range
  • Make a once-off and / or monthly investment in the fund

What happens with your money

  • The fund managers, in this case Investec, invest your money in a portfolio of assets such as equities, bonds, cash and listed property, based on your fund selection.
  • We then manage the investment on your behalf according to the fund’s objectives, for example, beating inflation over a certain time period, this determines the return on your investment.
Invest now

Investment minimums

  • Initial: R100 000
  • Additional: R10 000

Your income options?

Level of income
  • Between 2.5% and 17.5% of the investment value per year – you can change this percentage once a year at the anniversary date
  • Once the value of your living annuity falls below R50 000 or R75 000 – depending on whether a lump sum was taken at retirement or not – you can withdraw the full value
Frequency
  • Monthly, quarterly, semi-annually or annually – you can change this frequency once a year

Tax implications

  • No income or dividend withholding tax on investment growth
  • The income you receive is taxed at your marginal tax rate

You can invest in a solution in one of two ways

Invest through a financial advisor

Getting expert advice about your investment choices can give you financial peace of mind. We have a list of financial advisors from across the country who have the appropriate qualifications and licences to help you make informed investment choices.

Are you an existing investor?

If you are already invested with us then the simplest way to invest is via your online account.

Simply login below to ensure all your investments are managed together.