tst
retail-pre.momentum.co.za
Individual | Business | Corporate Log in
search
Portfolio My financial adviser Tax certificates View profile Get help Marketing consent Website terms of service Change your password
Logout
close

Employee benefits

Overview Two-pot retirement system Employee Member Hub Resource centre
Our solutions
Annuities FundsAtWork Umbrella Funds Group insurance Healthcare for Corporates Investments Momentum Retirement Administrators
Help support your employees
Employee financial wellbeing Health4Me Hello Doctor Retirement benefit counselling Smart Solutions Wellness care centre

Structured Investments

In the complex world of the investment needs , Structured Investments provides intelligent, customised solutions that meet the unique needs of each client. We provide our expertise in product design, smoothed bonus returns, balance sheet services and structured deals, to create offerings that deliver stability and growth.

  • Versatility in meeting diverse client requirements.
  • Putting the clientʼs investment goals at the centre.
  • Provide capital protection and guarantees.
  • Reducing investment volatility through the smoothing of market returns over time.
Find an adviser

Investments resources

<#if contentModel.imageAlt_s??>Illustration of investments quarterly reports. <#else>Illustration of investments quarterly reports.</#if>

Quarterly
Reports

<#if contentModel.imageAlt_s??>Illustration of Principles and Practices of Financial Management documents. <#else>Illustration of Principles and Practices of Financial Management documents.</#if>

PPFM

<#if contentModel.imageAlt_s??>Illustration of investment solutions for retirement funds brochures. <#else>Illustration of investment solutions for retirement funds brochures.</#if>

Brochures

<#if contentModel.imageAlt_s??>Illustration of investment solutions for retirement funds fact sheets. <#else>Illustration of investment solutions for retirement funds fact sheets.</#if>

Fact sheets

<#if contentModel.imageAlt_s??>Illustration of investment solutions for retirement funds disclosures. <#else>Illustration of investment solutions for retirement funds disclosures.</#if>

Disclosures

Smoothed bonus solutions for retirement funds

An old couple taking a ride in a vintage drop top car. The woman has her arm around her husband who's driving.

Real protection for members

Members who belong to a retirement fund want their retirement savings to deliver the highest possible return, at acceptable levels of risk and at the lowest possible fees. But if they want the inflationbeating returns essential to funding for retirement, they need to endure the market volatility that comes with the related exposure to growth assets. This is where Smoothed Bonus portfolios offer exceptional value for members.

  • Provides members with exposure to a multi-asset, multi-strategy underlying portfolio, which targets inflation-beating growth over the long-term.
  • Proven smoothing capabilities
  • A specified level of guaranteed protection on their original investment.

Smooth Bonus portfolios

Our fully vesting range offers a 100% guarantee on capital invested and bonuses declared. It consists of a vesting account and includes monthly vesting bonuses declared in advance. This part of the bonus is guaranteed.

Momentum
Smart Guaranteed +3

Offers global investment exposure using dynamic hedging techniques and targets a smoothed return of CPI + 3% over 7 years.

View fund fact sheet (pdf)

Momentum Multi-Manager Secure Growth Fund Global

Offers global investment exposure using independent asset managers and targets a smoothed return of CPI + 2% over 5 years.

View fund fact sheet (pdf)

Our partially vesting range offers a 100% guarantee on capital invested and a partial guarantee on declared bonuses. It consists of a vesting and non-vesting account and includes monthly vesting and non-vesting bonuses declared in advance.

Momentum Multi-Manager Smooth Growth Fund Global

Global investment exposure, using independent asset managers. Targets a smoothed return of CPI + 4% over 5 years.

View fund fact sheet (pdf)

Momentum Smooth
Growth Fund Global

Global investment exposure, using Momentum Investments’ OBI philosophy. Targets inflation-beating returns over the long term.

View fund fact sheet (pdf)

Momentum
Smooth-Edge Fund

A smooth bonus portfolio using Momentum Investments’ OBI philosophy, offering a low-cost solution with a 100% capital guarantee on benefit payments.

View brochure (pdf)

Momentum Multi-Manager Smooth Growth Fund Global

Global investment exposure, using independent asset managers. Targets a smoothed return of CPI + 4% over 5 years

View fund fact sheet

Momentum Smooth Growth Fund Global

Global investment exposure, using Momentum Investments’ OBI philosophy. Targets inflation-beating returns over the long term.

View fund fact sheet

Our partially guaranteed portfolio offers a 50% guarantee on capital invested a partial guarantee on declared bonuses. It consists of a vesting and non-vesting account and includes monthly vesting and non-vesting bonuses declared in advance.

Momentum Universal Fifty Smooth Return Fund

Offers local and global investment exposure managed by Momentum Investments, offering 50% guarantee on capital invested. Targets a smoothed return of CPI + 4,5% over 5 years.

View fund fact sheet

Structured Investment solutions for corporate entities

Two corporate investors meeting with a Momentum Corporate financial adviser.

We partner with corporates and trustees to co-design structured investment solutions aligned to their risk profile, strategic objectives and long-term investment goals. Our differentiated solutions combine guaranteed outcomes, such as guaranteed endowments, with proven volatility management tools like smoothing overlays that enhance portfolio stability without disrupting existing mandates.

We unlock innovation and efficiency through cost-effective structures, including zero-cost index guarantees that strengthen performance while improving overall value delivery. Our solutions integrate smoothing capabilities and robust asset-liability matching for long-term obligations for retirement funds, mining rehabilitation trusts and other similar needs for corporate clients. Speak with a Momentum Corporate Specialist to discuss how we can help meet your investment objectives.

Email us

Market linked solutions

Our linked solutions invest in market-linked portfolios and indices.

Momentum Institutional Enhanced Yield Fund

Learn more (pdf)

Money Market Fund

Learn more (pdf)

Structured Investments FAQs

We are a specialised team that partners with clients to co-design customised solutions that align with their unique needs.

We help corporates and funds to:

  • Manage risk effectively.
  • Grow capital growth for long-term sustainability.
  • Optimise balance sheets through customised structured investment solutions.

Our solutions are designed to meet a wide range of investment objectives, from capital preservation to growth-focused portfolios.

  • For trustees: Solutions that help balance returns, protection, and member outcomes — including smoothed bonus portfolios usingour smoothing capabilities.
  • For liability management: Asset-liability matching solutions, such as guaranteed endowments, often used in strategies like mining rehabilitation.
  • For cost efficiency: Innovative options such as zero-cost index guaranteed solutions.

We differentiate ourselves through:

  • Co-create solutions that are aligned to your risk and return objectives.
  • We offer various levels of capital guarantees.
  • Volatility management strategies.

Our solutions are ideal for corporates and trustees seeking to:

  • Maximise growth within defined risk appetites
  • Prioritise stability, protection, and long-term financial resilience.

Need advice?

Get one of our financial advisers to call you back.

Find an adviser

Contact Structured Investments

Email: [email protected]
Other Momentum contacts

We and our selected partners use cookies to enhance and personalise your experience on our website. Please see our cookie policy for more information.

To enhance your user experience on our site, learn more about our supported browsers

Your browser's cookies are disabled. Enable cookies to ensure our website functions correctly. View our Privacy Notice.