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Save, grow and preserve your wealth for retirement

Tax efficient RAs + low cost ETFs = the perfect combo.

Why get a retirement annuity through ETFSA?

A retirement annuity (RA) is a safe and tax-efficient financial savings product designed to help you save and make regular contributions towards your retirement. Our RA, consisting of ETF portfolios, gives you four main benefits:

Save

for your retirement safely and securely through the ETFSA RA fund, by investing either in lump sums or regular payments.

Grow

your money through the power of low-cost ETFs and passive investing to compound for your benefit.

Benefit

from the tax deductions associated with RAs.

Get

regular income from your investment once you retire.

Why use it?

By combining the tax benefits of a retirement annuity with the low cost of ETFs, and then adding the power of compounding, you get the comfort of knowing that you’ll be financially secure when you retire.

Knowledge is power

Retirement annuities can be complex financial products. We’ll help you understand how they work and what the implications are before you invest in one.

All the benefits of ETFs in your RA

Get a diversified, low-cost investment portfolio where your money goes to growth - not fees.

No mysteries

Transparent, easy-to-understand fees and no performance fees.

An RA that works for you

Invest in a way that feels comfortable to you by selecting from five portfolios with different risk profiles.

All the help you need

Our expert ETFSA advisors are unbiased and completely committed to giving you the best possible investment advice.

Build the retirement you deserve

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Personal RA

Dive into our wealth of information about retirement annuities: how they work, the pros and cons, and the important questions you should ask when investing in them.
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Personal RA: 2- Pot System

The two-pot retirement system is a series of changes that the South African government is implementing to help people access a portion of their retirement funds early if they need to. The system will be implemented from 1 September 2024, and the changes apply to all retirement funds: pension funds, provident, retirement annuities and preservation funds.
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Business RA

The ETFSA RA is also available as a group option to small and medium size businesses.
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ETFSA’s choice of five portfolios are designed to meet different client risk profiles and retirement dates

The ETFSA Retirement Annuity Portfolios provide simple, transparent, and easy to maintain portfolios for retirement savings. These five portfolios are managed in compliance with Regulation 28 of the Pension Fund Act 1956, at all times.

ETFSA RA Brochure

The ETFSA RA uses Exchange Traded Products (ETFs and ETNs) – as the underlying Investments
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ETFSA RA Wealth Protector Portfolio (Cash)

The ETFSA RA Wealth Protector Portfolio offers a cash-only investment of the highest credit quality for risk averse members who do not want to carry the risk of a capital loss, especially as they near retirement.
Fact sheet

ETFSA RA Wealth Conservator Portfolio (Income – Low Risk)

The ETFSA RA Wealth Conservator Portfolio prioritises income generation from a broad range of sources – interest, dividends and other distributions, both domestic and global – offering a lower risk solution for members.
Fact sheet

ETFSA RA Wealth Builder Portfolio (Balanced – Medium Risk)

The ETFSA RA Wealth Builder Portfolio offers broadly diversified exposure to a comprehensive range of asset classes, investment styles and geographies with no preference given to near term relative value differentials.
Fact sheet

ETFSA RA Wealth Default Portfolio (Strategic Asset Allocation Benchmark – Moderate Risk)

As the default member option, the ETFSA RA Wealth Default Portfolio offers a static strategic asset allocation with a moderate risk profile, into a limited range of broad asset class ETFs.
Fact sheet

ETFSA RA Wealth Enhancer Portfolio (Balanced – High Risk)

The ETFSA RA Wealth Enhancer Portfolio offers members the opportunity to achieve capital growth over a long-term investment horizon (at least 10 years) but require a high tolerance for risk (short term volatility).
Fact sheet

ETFSA RA Portfolio Holdings

July 2024.
Portfolio Holdings

What does it cost?

*Our aggregate fee excludes the underlying issuer charges but includes trading costs.

Read our philosophy on Fees

Fee charged by the Retirement Fund

  • 1.00% (incl. VAT)

Portfolio 
management

  • 0.30% (ex. VAT)*

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Ready to start investing?

ETFSA has something for everyone, regardless of whether you need a hand or prefer to find your own way.

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etfSA

ETFSA is a platform, wealth and investment business, dedicated to Exchange Traded Products (ETPs), listed on the Johannesburg Stock Exchange (JSE).

ETFSA Portfolio Management Company (Pty) Ltd & ETFSA.co.za are Authorised Financial Services Providers.

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etfSA

Introducing our New

Balanced Foundation Prescient AM-ETF

A market-first ETF that blends stability with long-term growth.

Invest now
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