Navigation Search
Close

Select your location and role to view strategy and fund content

South Africa
  • Global homepage
  • Australia
  • Botswana
  • Denmark
  • Deutschland
  • España
  • Finland (Suomi)
  • France
  • Hong Kong (香港)
  • Ireland
  • Italia
  • Luxembourg
  • Namibia
  • Nederland
  • Norway
  • Österreich
  • Singapore
  • South Africa
  • Sweden (Sverige)
  • Switzerland
  • Taiwan (台灣)
  • United Kingdom
  • United States
  • International
Individual Investor
  • Professional Investor
  • Individual Investor

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.

By entering you agree to our Terms & Conditions

Login to My Investec

Tax-efficient solutions to maximise long-term growth

Saving for retirement is a crucial element of your overall financial plan. Our tax-efficient solutions can help you make the most of your savings over the long term.

Retirement annuity (RA)

With extensive tax benefits and protection of your savings until you retire, an RA is the ideal solution to make provision for a comfortable retirement.

Preservation funds

Preserve and continue to grow your retirement savings in a tax-efficient way if you have to leave your pension fund for any reason, such as changing jobs.

Unit trust

A unit trust gives you cost-effective access to a range of funds across asset classes. You can invest from as little as R500 a month and access your money whenever you want.

Investec Investment Linked Retirement Annuity


  • This solution is ideal for people who:
    • Work for themselves
    • Do not belong to an employer’s retirement fund
    • Wish to supplement their current retirement savings
  • It can also be used to grow additional retirement savings if you receive additional income, such as a bonus or receiving rent from a property you own

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

Access to your money

Before retirement

No access, unless allowed in terms of ITA

At retirement (from age 55)

  • A maximum of one third of the investment amount can be taken as a lump sum
  • The rest of the money – or the full value if no lump sum is taken – must be invested in a compulsory annuity

Tax benefits

  • Annuity limited to 27.5% of the greater of remuneration or taxable income. This is limited to a maximum of R350 000 per annum.
  • – 15% of non-retirement funding taxable income, or
    – R3 500 less allowable pension fund contributions, or
    – R1 750
  • No income, capital gains or dividend withholding tax before retirement within the fund (you only pay tax if you take a lump sum at retirement)

Investec Investment Linked Preservation Funds

(Preservation Pension Plan and Preservation Provident Fund)
  • To ensure you stay on track with meeting your retirement goals, it’s essential that you preserve and grow your accumulated savings when you leave your pension or provident fund if you change jobs or are retrenched
  • No tax on your investment growth

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

Access to your money

Before retirement

One withdrawal up to the full value (excl. transfers from GEPF)

At retirement (from age 55)

  • Pension Plan: Maximum of one third of the investment amount can be paid out as a lump sum
  • Provident Fund: The full value can be paid out
  • The rest of the money – or the full value if no lump sum is taken – must be invested in a compulsory annuity

Tax benefits

  • No income, capital gains or dividend tax within the fund before retirement
  • You only pay tax if you take a lump sum before and at retirement

Unit trust


What is a unit trust?

A unit trust enables investors to get access to professionally managed investments by buying a portion of a fund, also known as units.

Here’s how it works:

What you do

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

What you get

  • Each unit has a price, so how many units you get will depend on how much you invest

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.

The benefits of investing in a unit trust

  • Cost-effective access to professional fund management and the markets
  • Access your money within three business days, depending on your bank
  • Flexibility around how long you stay invested for
  • You can buy or sell whenever you like
  • Well-regulated, which protects investors
  • Transparent pricing and performance – unit trust prices are published daily
Invest now

Investment amount

  • Min: R500
  • Max: No limit

Investment term

  • No limits

Tax implications

Income tax

  • Levied at your marginal rate
  • For investors 65 and under – no tax on the first
    R23 800 interest per year
  • For investors over 65 – no tax on the first R34 500 interest per year

Capital gains tax

  • Individuals – 40% of any gain is taxed at the investor’s marginal rate
  • Trusts – 80% of any gain is taxed at 45%
  • Companies – 80% of any gain is taxed at 28%
  • All tax is levied in the hands of the investor
  • First R40 000 gain p.a. is tax exempt for individuals

You can invest in a solution in one of three 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.

Complete and submit your application

Download the pdf application form and complete all the relevant sections.
Email your completed form to imsinstructions@investecadmin.com

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.

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.

You can invest in a solution in one of three 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.

Start a new online investment

If you are sure this is the appropriate solution for you, you can invest directly online using our convenient online form.

If you don’t yet know which funds you want to choose as your underlying investments, view our core funds (Investec Fund Managers).

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.