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Low-angle perspective of a glass building with black lines.

Retirement Preservation Option

Retirement money should be for retirement only. If you don’t preserve your retirement money, you’re back to square one. You lose not only the money, but also the time you’ve had, and the power of compounding – the magic of growth on the growth of your capital. Rather congratulate yourself for your perseverance up to now, and keep the money safely invested.

Making sure you have enough money for your retirement is part of your journey to success. We know ‘enough’ is unique for everyone – whether you plan to relax on the stoep, travel, start a new venture or have time with your grandchildren.

Minimum investment

A lump sum of R50 000.

Outcomes

A wide range of local and offshore investment solutions. Get tax-free growth. Your money is safe from creditors.

Investment period

Any date from age 55, or if the law allows you access earlier.

How can the Retirement Preservation Option help you?

It helps you to keep your retirement savings on track. It’s a specialised vehicle that can help you preserve your retirement benefits in a provident preservation or pension preservation fund when you leave your employer before your retirement date.

You can choose from a wide range of investment solutions to suit your needs.

Is it for you?

Yes, if you are resigning or have been dismissed or retrenched.
Yes, if you want to preserve and grow your retirement savings until retirement.

When is it not for you?

If you don’t have money that you saved up in a retirement fund like an approved pension or provident fund.

Red illustration of a pair of glasses, an apple, a tooth and a pill container.

Frequently asked
questions

Who can invest?

Individuals who want to transfer pension, provident, or preservation funds money.

Which investment solutions can I choose?

  • Our flagship range of local and offshore unit trusts.

  • Other investment solutions managed by Equilibrium, Momentum Outcome-based Solutions, Momentum Asset Management and Momentum Securities.

  • Unit trusts and investment solutions from other investment managers.

Your financial adviser will help you choose the most suitable investment solutions.

Can I invest more?

No. Any money from subsequent transfers form other retirement or preservation funds will go into a separate investment.

Can I make changes?

Yes, you can change your investment solutions when your needs change.

Can I withdraw?

You can withdraw a portion of it once before age 55, but you’ll pay tax. Also in special circumstances, for example, if you emigrate or become disabled.

Can I cancel my investment?

Yes, subject to certain rules set out in the terms. You could get back less than what you have invested.

Need financial advice?

A financial adviser can help you with financial and investment planning on your journey to success.

Contact us

Local investing: Momentum Wealth




Office hours are Monday to Friday from 08:00 to 17:00.

Offshore investing: Momentum Wealth International





Office hours are Monday to Friday from 08:00 to 16:00 (Central Africa Time). Unavailable on weekends.

Unit trusts





Office hours are Monday to Friday from 08:00 to 17:00.

Institutional investing





Office hours are Monday to Friday from 08:00 to 17:00.

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