Why manage your retirement savings through ETFSA?
Whether you’re actively building your retirement savings or preserving accumulated funds after a career move, ETFSA provides a seamless, low-cost ETF solution at every stage. ETFSA offers Retirement Annuities (RAs) and Preservation Funds that share the same investment philosophy, the same Regulation 28-compliant ETF portfolios, and the same commitment to transparent, unbiased advice.
Why use it?
By pairing the tax advantages and regulatory protection of ETFSA’s retirement products with the low cost and transparency of ETF investing, you get a retirement solution designed to grow your wealth, not erode it with fees.
Build the retirement you deserve
Preservation Fund
Leaving a job doesn't mean leaving your retirement savings behind. The ETFSA Preservation Fund accepts lump-sum transfers from your pension or provident fund, giving your savings a secure, low-cost home until you're ready to retire. Choose to invest across any of our six Regulation 28-compliant ETF portfolios, and consolidate existing preservation balances from other administrators into one simple, transparent solution.
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.
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.
Business RA
The ETFSA RA is also available as a group option to small and medium size businesses.
Six portfolios. One consistent investment philosophy.
Both the ETFSA RA and the Preservation Fund invest in the same six Regulation 28-compliant ETF portfolios, giving you low-cost, transparent, passive investing at every stage of your retirement journey. Each portfolio offers a different balance between stability and growth, so you can choose the one that matches your risk appetite and retirement timeline.
ETFSA RA Brochure
ETFSA RA Wealth Protector Portfolio (Cash)
ETFSA RA Wealth Conservator Portfolio (Income – Low Risk)
ETFSA RA Wealth Builder Portfolio (Balanced – Medium Risk)
ETFSA RA Wealth Default Portfolio (Strategic Asset Allocation Benchmark – Moderate Risk)
ETFSA RA Wealth Enhancer Portfolio (Balanced – High Risk)
ETFSA Wealth Velocity Portfolio (High Growth - High Risk)
ETFSA RA Portfolio Holdings
Retirement Annuity
What does it cost?
*Our aggregate fee excludes the underlying issuer charges but includes trading costs.
Preservation Fund
What does it cost?
*Our aggregate fee excludes the underlying issuer charges.
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