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Retirement
Making smart choices about your savings throughout life can help you retire comfortably.
our solution
Experience peace of mind with Sanlam's retirement solutions
Begin your journey to secure your future and achieve your financial aspirations by exploring Sanlam's credit solutions.
- Products
Saving for retirement
Explore our retirement annuity featuring the Wealth Bonus, designed to boost your savings and ensure a secure future.
Preparing to retire
Choose from three main options to generate income from your retirement funds in South Africa: Life Annuity for security, Living Annuity for flexibility, or Life + Living Annuity for the best of both worlds.
Retirement Preservation
Protect and maintain your existing retirement savings. Ensure you have a reliable income stream throughout retirement, and protect yourself against unexpected financial challenges.
Two-Pot Retirement
Aims to empower more South Africans to preserve their retirement savings when they leave a job or change employment, while enabling controlled access to these savings in times of financial hardship.
Retirement fund Members
Enabling you to grow and protect your savings to live and retire with self-assurance and confidence.
WHY CHOOSE US
What retirement with Sanlam offers you
- Offers
Expert guidance and support
With years of experience, Sanlam's team of financial experts can provide you with personalized retirement advice and innovative solutions, expertly tailored to meet your unique financial needs and goals.
Manage your retirement online
Login to secure services to quickly and easily update your contributions, make one-off payments, change your banking and debit order details and manage your beneficiaries.
Comprehensive Solutions
We offer cost-effective solutions that maximize your savings, providing lifelong income security, investment flexibility, and growth potential. Choose the best solution for your needs and ensure a secure future with guaranteed support for your dependents.
REWARDS
Wealth Bonus is added to boost your retirement
Some of our retirement solutions reward you with Wealth Bonus.
Retire confidently with Sanlam’s Retirement Plan Affordable premiums from R250 per month with Sanlam contributing 10% of your payments into your Wealth Bonus, managed by experienced investment professionals.
See how the value of your retirement savings grow Wealth Bonus gives you a compelling reason to continue your retirement savings plan.
How do Wealth Bonus payouts work?
Sanlam contributes 10% of your payments into your Wealth Bonus. 50% of the accumulated Wealth Bonus unlocks at age 55 with the full Wealth Bonus account unlocking at age 60. But if you cancel, let it lapse, or pass away, any locked Wealth Bonus® will be lost.
Retirement for professionals and graduates
It’s never too early to start saving for retirement. Sanlam’s Cumulus Echo Retirement Plan enables professionals to start your retirement planning early and benefit from a higher Wealth Bonus over a longer term, so that you can look forward to retiring with confidence.
- Payments
You can make payments once a month or more and make one-off payments to your investment.
- You can invest until you retire
With a retirement annuity, your investment term will typically be until you retire, or from age 55.
- Wealth Bonus is automatic
You automatically qualify for Wealth Bonus as a benefit on your retirement plan.
- Diversify your investment easily
You can access the unique investment opportunities through Sanlam’s flagship fund ranges at lower fees.
- Flagship fund rangeA fund for every investment need
Our investment funds offer exceptional value for money without compromising performance. We have options for every type of investor, active or passive, which we can provide due to our economies of scale.
Investment options:1. Cost-effective investment strategies The options in this passive fund range allow you to access major investment markets with a total cost that is fixed and among the lowest of local passive finds.
2. Global market access The new and unique Satrix Global Wealth Builder fund gives you 100% global equity exposure to all the major international asset classes at a competitive fee.
3. Protection option The Satrix Smooth Growth fund offers a 100% guarantee on capital as well as exposure to growth assets, with reduced short-term volatility.
- Add a goal to your retirement plan
You can add a retirement goal to help you keep track of your investment progress.
Define your goal and include other retirement savings for a holistic picture
Request a progress report at any time to make sure you’re on track
Once a year, we’ll review your progress and give you advice to help you stay on track to reach your retirement goal