RETIREMENT PLANNING

By making wise financial choices at a young age, you can lay the foundation for a secure retirement. By starting to save as soon as you start earning a steady income, you can establish a well-managed retirement fund that will ensure a dependable income in the future. With Sanlam’s retirement plan, you can plan and establish the framework for a retirement that provides a stable income and peace of mind.

SAVING FOR RETIREMENT

You can ensure a peaceful retirement by investing a portion of your monthly salary. Alternatively, you can make a lump sum deposit to get started. The key to a comfortable retirement is consistency. It's important to continue investing regularly, regardless of the amount you can contribute or your financial needs.

RETIREMENT PRESERVATION

This Retirement Planning also offers the advantage of maintaining your plan by transferring it to a preservation fund. This is beneficial in the event of changing jobs or facing retrenchment. Avoid cashing in your savings to prevent any situations where it becomes challenging to regain the lost value.

RETIREMENT INCOME

To maintain the comfortable lifestyle you're accustomed to, it's essential to have a reliable monthly income, particularly as you approach or enter retirement. It's crucial to manage your retirement savings wisely to ensure they provide for you throughout your retirement.

SANLAM CUMULUS ECHO RETIREMENT PLAN

Receive a bonus for every 300R invested in your retirement plan.


The Sanlam Cumulus Echo Retirement Plan guarantees maximum benefits for your retirement. It stands as the sole South African retirement plan offering the enticing "Echo Bonus" that can be obtained with each payment. The plan actively encourages increased retirement savings by providing bonuses with every contribution.


Our Bluestar website facilitates online investment, seamlessly integrating with regular financial plan reviews. A 2.5% commission is applicable on recurring payments. Numerous advantages and up-to-date investment guidance are provided, including performance feedback for those selecting their own funds. In this scenario, a commission of 0.575% including VAT per year of the investment value is required.

GLACIER RETIREMENT ANNUITY

Our adjustable savings annuity lets you save on taxes while preparing for retirement. This will allow you to get access to a diverse set of highly researched and acclaimed underlying investing opportunities.


  • By leveraging your investments, you can enjoy tax deductions. You have full control and the flexibility to tailor the pace of your investments to suit your availability and circumstances.
  • Your retirement annuity fund is fully protected from creditors, ensuring the safety of your money in the event of bankruptcy.

“Someone's sitting in the shade today because someone planted a tree a long time ago.”

WARREN BUFFETT