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    • 申请索赔 >
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    • 常用专科医生名称中英文对照 >
      • 约堡市北区最好的全科医生
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      • 约堡市北区最好的牙科医生
      • 约堡市最好的妇产科医生
      • 约堡市最好的心脏科医生
      • 约堡市最好的胃肠科医生
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    • 稳赢固定利率保单
  • 员工福利
    • 公司团体医疗保险Q&A
    • 员工福利Q&A
    • 公积金Provident Fund说明
    • 中小企业员工福利完整套餐
  • ​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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    • 重大疾病险 >
      • 身体健康检查重要指标
      • 全球癌症病例激增
      • 细数癌症之最
    • Sanlam意外险
  • 医疗保险
    • 南非的医疗保险介紹
    • 医疗保险Q&A 常见问题回答 >
      • Discovery 非洲医疗福利
    • 如何选择医疗保险
    • Discovery医疗保险 2025摘要
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    • Discovery Vitality活力健康计划 2024 >
      • 激活你的健活奖励
    • Bonitas医疗保险
    • Momentum 医疗保险
    • 医疗附加险 >
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      • Sirago 医疗附加差额险
    • 紧急意外险
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  • 加入我们
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    • 联系我们
Daberistic
  • I would like to
    • Signup Newsletter
    • Schedule an appointment
    • Go to hospital
    • Deal with an accident
    • Make a Claim
    • Invest >
      • Investment needs analysis
      • Child education fund >
        • Top 100 schools in South Africa
      • For retirement
      • For income in retirement
      • For capital growth
      • For a new car
      • For a new house
      • Offshore funds
    • Apply for insurance >
      • Life Insurance
      • Medical Aid
      • Car and Household Insurance
      • Business Insurance
    • Appoint Daberistic as broker
    • Promotions >
      • 2022 Millionaire Investment Plan
      • 2022 Half-Millionaire Investment Plan
    • Update my policy >
      • Investment >
        • Allan Gray Debit Order
      • Life insurance
      • Arrear Premiums
      • Business insurance
    • Make a Will
    • Set up a business
    • Get an accountant.
    • Get business tax advice
    • Get personal tax advice
    • Preferred Suppliers >
      • Panelbeaters
      • Doctors and dentists
      • Attorneys, Notaries, Conveyancers
    • Cancel Daberistic Services
    • Covid-19 toolkit
  • Invest
    • Our fund selection process
    • Retirement annuity
    • Tax-free Investment Plan >
      • Apply for Tax-free Investment Account
    • Unit Trusts
    • Guaranteed Investments >
      • Guaranteed Investments Q&A
    • Preservation funds
    • Offshore
    • Education plan
    • Endowment
    • Participation Bond
    • Deposits
    • Business investment accounts
    • Private investment accounts
    • Exchange Traded Funds
    • Share investing
    • Personalised share portfolio
    • Retirement income
  • Retirement Funds
    • Starting a Fund - What to Consider
    • Retirement Funds - Your Rights
    • What is Regulation 28?
  • Health
    • Our services
    • Discovery Health
    • Momentum Health
    • Bonitas
    • International Travel Benefit
    • Gap cover >
      • Discovery gap
      • Sirago >
        • 2023 Update
    • FAQ >
      • Discovery COVID Vaccine Process
  • Life
    • Life insurance >
      • Life insurance special offer
    • Accidental cover
    • Income protection
    • Lump sum disability
    • Business Assurance
    • Severe Illness
  • Insure
    • About Short Term
    • Service Charter
    • Business Insurance >
      • Goods in Transit Insurance
      • Professional Insurance
    • Car / House Insurance
    • SASRIA
    • Frequently Asked Questions
  • Financial Coach
    • Blog
    • Personal Financial Planning >
      • Pocket Guide To Money
      • Setting goals
      • Budgeting and cashflow management
      • Consumer Protection Act
    • Retirement planning >
      • Retirement Q&A
    • Risk planning >
      • Retirement funds
    • Tax planning
    • Investment planning >
      • What are unit trusts?
      • Active and passive investing
      • Chasing fund performance may be hazardous to your wealth
      • Understanding risk on and risk off
    • Family trusts
    • Wills and estate planning >
      • Make a will
      • Administering an estate / Duties of an Executor
      • What the executor must do once appointed
    • Business planning
    • Frequently asked questions
  • Accounting & Tax
    • DAA Proatia Manual
    • Accounting
    • Tax >
      • 2025 South Africa Budget and Tax Guide
      • 2024 South Africa Budget and Tax Guide
      • 2022 South Africa Budget and Tax Guide
      • 2020 South Africa Budget and Tax Guide
      • 2019 South Africa Budget and Tax Guide
      • 2017 South Africa Budget and Tax Guide
    • Business Plan
    • Company Secretarial Services
    • Audit/Review/Compilation report
    • Frequently asked questions >
      • Establishing a Business in South Africa
  • About us
    • Who we are
    • What sets Daberistic apart
    • How we help our clients
    • Our clients
    • Community involvement
    • Company Documents >
      • Privacy Policy
      • Conflict Of Interest Policy
      • PAIA Manual
    • Disclosures >
      • POPIA Consent
      • Email Confidentiality Notice And Disclosure
    • Company News >
      • Heritage Day 2015
      • Mandela Day 2016
    • Daberistic Academy >
      • Car insurance rating factors
      • Investment seminars
      • Personal finance seminars
      • Workplace skills >
        • Sales Scripts
        • Client Communication
        • Stress Management
        • Industrial Relations
        • Leadership
        • Employee Benefits
        • Company Values
        • Tax
        • Commercial Insurance
        • Gap cover
        • Excel
        • Retirement -
        • Retirement Annuity &Provident Fund
        • Marketing and Branding
        • Broker Appointment
        • Telephone etiquette
        • Client service etiquette
    • Careers >
      • Positions >
        • Healthcare Consultant/Business Development Manager
      • Questionnaires >
        • Pre-interview Elementary Test
        • Chinese Client Consultant Pre-interview Questionnaire
        • Short-term Insurance Administrator Pre-interview Questionnaire
        • HR and Finance Administrator Pre-interview Questionnaire
    • Contact us >
      • Cancellation
  • 我想要
    • 德博理财专栏 >
      • 查看旧德博理财专栏
    • 促销活动 >
      • 百万富翁投资计划
      • 半百万富翁投资计划
      • Fedgroup飞达参与分红债券
    • 申请新保险 >
      • 员工团体保险
      • 寿险/意外险报价资料表
      • 国际学生医疗保险
      • 商业保险
      • 医疗保险需求评估
      • 医疗保险申请 >
        • 德博医疗保险服务会员申请
      • 加入活力健康计划
      • 投资 >
        • 投资方案报价
        • 孩子教育基金. >
          • 非洲排名前100高中
          • 南非高校排行榜
        • 为年老时存钱.
        • 闲钱投资.
        • 月领退休金.
        • 免税投资账户.
        • 投资型保单.
        • 股票.
        • 基金
        • 海外基金
        • 房地产基金.
        • 投资
      • 汽车保险报价
      • 店面投保
    • 现有保单管理 >
      • 保费没扣到
      • 在线税务证明申请表格
      • 人寿险/意外险保单管理
      • 医疗保险客服 >
        • 更新个人信息
        • 加家属到医保
        • 加新生儿到医保
        • 家属退保申请表格
        • 国际旅游医疗福利
        • Discovery医保怀孕生产幼儿福利
        • 下载Discovery医疗保险证明
        • 下载Discovery医保税务证明
        • 医疗保险升级
        • 取消医疗保险
        • 取消公司员工医疗保险
      • 投资账户管理
      • 产物保险管理
      • 客服满意度问卷
    • 申请索赔 >
      • 住院授权申请
      • 慢性病福利申请
      • Discovery国际紧急医疗保险索赔
      • Sirago附加险索赔提交
      • 申请车险索赔
    • 住院
    • 常用专科医生名称中英文对照 >
      • 约堡市北区最好的全科医生
      • 约堡市东区最好的全科医生
      • 约堡市北区最好的牙科医生
      • 约堡市最好的妇产科医生
      • 约堡市最好的心脏科医生
      • 约堡市最好的胃肠科医生
      • 开普敦市最好的全科医生
    • 出车祸处理
    • 设立遗嘱 >
      • 遗嘱的生效和不生效
      • 遗嘱的处分
      • 遺囑執行人被任命後
    • 聘德博为经纪人
    • 非居民在南非开银行账户
    • 投资移民
    • 唐人街商铺联系方式
  • 财富管理
    • 如何选择投资产品
    • 企业投资账户
    • 私人投资账户
    • 孩子教育基金
    • 为年老时存钱 >
      • 退休需要認真金錢
    • 闲钱投资
    • 海外投资 >
      • 如何投资海外资产
      • 南非外汇管制规定
      • Investors Trust外幣投資
    • 免税投资帐户 >
      • 免税投资账户问答集(Q&A)
    • 月领退休金
    • 投资型保单
    • 基金 >
      • 如何挑选基金
    • 稳赢固定利率保单
  • 员工福利
    • 公司团体医疗保险Q&A
    • 员工福利Q&A
    • 公积金Provident Fund说明
    • 中小企业员工福利完整套餐
  • ​人寿保险
    • 为什么要购买人寿保险
    • 人寿保险的妙用
    • 人寿保险常见问题回答
    • 购买人寿保险流程
    • 美元人寿保险
    • 意外险
    • 特殊寿险产品
    • 重大疾病险 >
      • 身体健康检查重要指标
      • 全球癌症病例激增
      • 细数癌症之最
    • Sanlam意外险
  • 医疗保险
    • 南非的医疗保险介紹
    • 医疗保险Q&A 常见问题回答 >
      • Discovery 非洲医疗福利
    • 如何选择医疗保险
    • Discovery医疗保险 2025摘要
    • Discovery医疗保险 2024摘要
    • Discovery Vitality活力健康计划 2024 >
      • 激活你的健活奖励
    • Bonitas医疗保险
    • Momentum 医疗保险
    • 医疗附加险 >
      • Discovery 附加险
      • Sirago 医疗附加差额险
    • 紧急意外险
    • 牙科保险
  • 财产险
    • 雇主责任保险
    • 建筑工程一切险
    • 商业火险
    • 车险
    • 暴动险 Sasria
    • 常见问题
  • 会计师事务所
    • 南非政府2025财政预算及税法
    • 南非2024财政预算及税法
    • 南非2023财政预算及税法
    • 南非2021财政预算及税法
    • 南非2020财政预算及税法
    • 南非2019财政预算及税法
    • 南非2018财政预算及税法
    • 南非2017财政预算及税法
    • 南非2016财政预算及税法
    • 南非2015财政预算及税法
    • 南非2008财政预算及税法
  • 加入我们
  • 关于我们
    • 我们如何与众不同
    • 我們如何帮助客户 - 保险篇
    • 我們如何帮助客户 - 投资理财篇
    • 联系我们

Tax-free Investment Account

How well do you know your tax-free investment account? Click below to take the quiz:
tax Free account quiz
Click her to open your tax free investment account
Open Tax Free Account
Government introduced tax free savings accounts on 1 March 2015.

In South Africa, debt levels are increasingly taking up more of consumers’ disposable income. Studies have shown that 90 percent of South African consumers are living far beyond their means while barely saving anything. This means if they have a sickness or disability, or need to retire, they will not have enough savings to support themselves. National Treasury introduced new tax incentives to encourage savings.

What are the benefits of investing in a Tax-free account?

Tax efficiency

All proceeds of investments  will be completely tax-free. No capital gains tax, no dividends tax and no income tax from interest earned… ever!

Withdrawals from your tax-free account are tax free.

Investment choice

You have access to a range of unit trusts designed to enable you to select one or more underlying unit trust funds to suit your risk profile.

Low cost

Government stipulates that products are simple to understand, adequately transparent and suitable for investors. No performance fees are allowed.

flexibility and freedom

You may access your money at any time without penalty. You have flexibility in that you may switch between the unit trusts at any time, stop and start contributions without any penalties.

Transparent fees and regular reporting

All fees are fully disclosed and we will keep you regularly informed on all aspects of your investment. You may also access your investment information online.

Transfer of wealth

In the event of your death, the money in your tax free account is paid to your nominated beneficiary.

Who should consider investing in a Tax-free investment account?

You may wish to consider investing if:

you wish to save up to R33,000 per year
you wish to invest for your child's education fund
you wish to supplement your retirement savings
you wish to pay no tax on your investment

What are the minimum investments?

The minimum investment is R500 per month. The maximum monthly contribution is R2,750. You may also stop contributing at any time without penalty.

The once-off lump sum investment is R33,000.

What are our fees?

Our initial advice fee: 1.50% plus VAT (Allan Gray platform); 2.00% plus VAT (Discovery platform)
Annual advice fee: 1.00% plus VAT

Our product providers

Allan Gray, Discovery, Glacier, Momentum, Old Mutual, Sanlam, Stanlib

Our Preferred providers

Allan Gray

We select Allan Gray as our preferred provider for the following reasons:

1. Reputable asset management company;
2. Financially sound;
3. Efficient administration platform;
4. Clever use of technology delivers excellent user interface;
5. Excellent staff delivers excellent client service;
6. Competitive platform administration cost;
7. Reduced admin fee for using Allan Grey funds;
8. Select range of good performing unit trusts;
9. Easily creates customisable, informative investment overview;
10. May nominate beneficiaries on the investment;
​11. Enables clients to submit instructions online.

​More info: Allan Grey Tax-free Savings Account

Discovery Invest

1. Reputable financial services group;
2. Financially sound;
3. Easily creates detailed investment proposal;
4. A comprehensive range of internal and external funds;
5. Clever use of technology to provide excellent client service;
6. Costs are competitive;
7. Reduced admin fee for using Discovery funds;
​8. Growth within account is tax free.

More info: Discovery Invest Tax-free Investment Plan
Click here to open your tax free investment account
References:

National Treasury's regulations on Tax Free Investment Accounts

Finance Minister Budget Speech 2020

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