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      • What are unit trusts?
      • Active and passive investing
      • Chasing fund performance may be hazardous to your wealth
      • Understanding risk on and risk off
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      • What the executor must do once appointed
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  • ​人寿保险
    • 为什么要购买人寿保险
    • 人寿保险的妙用
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    • 意外险
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      • 身体健康检查重要指标
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      • 细数癌症之最
    • Sanlam意外险
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      • Discovery COVID 疫苗注册
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    • 如何选择医疗保险
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      • Discovery医疗保险 2022 - 如何选择医保选项
    • Discovery医疗保险 2023更新摘要 >
      • Discovery医疗保险 2023 - 如何选择医保选项
    • Discovery Vitality活力健康计划 2023 >
      • 激活你的健活奖励
    • Bonitas医疗保险2023介绍
    • Momentum 2023
    • 医疗附加险 >
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        • 医疗附加险法规改变
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    • 常见问题
  • 会计师事务所
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  • 关于我们
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    • 德博理财学院 >
      • 标准销售话术

Retirement funds

Picture

Starting a retirement fund for employees - Pension Fund or Provident Fund

The government is forcing employers to start pension funds, as it does not want people to take the full amount out at retirement. Instead it would like retirees to have a regular pension. We list the main factors influencing the choice between a pension and provident fund.

Pension Fund

The objective of a pension fund is to provide employees with a regular pension in retirement. Pension fund members must buy an annuity with at least two-thirds of their retirement fund.

Provident Fund

​The objective of a provident fund is to provide employees with a lump sum benefit at retirement. A provident fund is thus more flexible, as employees can still purchase an annuity with their fund.

​From 1 March 2016, the maximum permissible tax free deductible contributions to pension and provident funds have been standardised. Employers can deduct unlimited contributions to their employees’ pension or provident fund.  These contributions attract fringe benefits tax that must be recovered from the employee.  The employee can, in turn, deduct all contributions (employer and employee contributions) up at 27.5% of gross remuneration or taxable income (whichever is the higher), subject to an annual cap of R350,000.

Our Retirement fund consulting services

We offer the following retirement fund consulting services:

- Independent research and advice
- Comparative quotes
- Arrange presentations by providers
- Implement retirement fund solution. This consists of group presentations, as well as individual face to face financial planning sessions.

- Ongoing advice and service. This includes:

Dedicated internal consultant
New services and products
Member admin and claim queries
Annual member benefit statements
Annual members’ presentation
Voluntary individual member financial planning reviews
Review of product providers as necessary.

Our product providers

We make use of the following reputable companies in sourcing quotes and constructing solutions for our clients:

Allan Gray
Discovery
Fedgroup
GQM
Liberty Corporate
Momentum Funds At Work
Old Mutual Corporate
​Sanlam Employee Benefits: Sanlam produces an annual, industry-leading research paper on the retirement fund industry, you may find it here: https://www.sanlam.co.za/institutional/retirement/benchmarksurvey/Pages/default.aspx/
​Sygnia

    Get a Quote/review for Provident Fund

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How can we help

Further reading: Retirement funds - Your rights
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