Investments

Investments

Retirement planning, global investing, and wealth growth through Discovery Invest — tailored to your stage of life.

Why invest with Discovery

Discovery Invest is focused on your needs and on providing tailored financial solutions at every stage of life. Choose from a full range of retirement, endowment, and global investment options — with an exemplary track record for innovation and client service.

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Retirement annuities & Preserver plans

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Living Annuity for retirement income

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Global & offshore investing

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Endowments & flexible investments

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Retirement savings calculator

Estimate how much to save monthly to work towards your retirement goals.

Years to Retirement
30 years
Required Capital
R9 000 000
Monthly Contribution Needed
R122

TCs apply.

Our Strategic Approach

Goal mapping

Model how much you need to contribute to meet your retirement income targets and desired retirement age.

Tax efficiency

Use retirement annuity tax relief and suitable wrappers to maximise long-term wealth.

Review & rebalancing

Regular reviews and adjustments to contributions and allocation as your circumstances change.

Discovery Invest products

Retirement Annuity & Preserver Plans

Save for retirement with tax advantages. Preserver plans keep your pension or provident fund savings invested when you leave an employer.

✓Tax-efficient contributions
✓Boosts for investing longer and more
✓Option for offshore exposure
Ideal for: Anyone building retirement savings or changing jobs

Living Annuity

Turn your retirement savings into a regular income in retirement, with potential to increase income through healthy engagement.

✓Regular retirement income
✓Flexibility on drawdown
✓Minimum investment applies
Ideal for: Retirees wanting control over pension income

Endowment

Medium- to long-term savings for goals like education or travel, with estate benefits and tax efficiency. Minimum term five years.

✓Boosts and fee refunds
✓Lump-sum or recurring contributions
✓Estate planning benefits
Ideal for: Saving for specific medium-term goals

Global & flexible investments

Invest internationally with Discovery for diversification and access to global opportunities. Flexible options allow access when you need it.

✓Wide range of international choices
✓Multi-currency options
✓Flexibility for medium to long term
Ideal for: Diversification and offshore exposure

Guaranteed return plans

Low-risk plans with a guaranteed maturity value at the end of a five-year term. Options for growth or guaranteed income.

✓Guaranteed maturity value
✓Beneficiary payout on death
✓Predictable outcomes
Ideal for: Stability and capital security

The power of starting early

Same target at retirement — see how starting age affects your monthly contribution.

Starting at 25

Monthly:R3,000
Total Contributed:R1.44m
Projected Value:R8.5m
40 years of compound growth

Starting at 45

Monthly:R16,000
Total Contributed:R3.84m
Projected Value:R8.5m
20 years means higher contributions

Frequently Asked Questions

A common guideline is 15–20% of gross income, starting as early as possible. Use the calculator above for a personalised estimate based on your age, income, and goals.
A Preserver Plan keeps your pension or provident fund savings invested when you leave an employer, so you don’t cash out and lose long-term growth. Discovery’s Preserver Plans offer boosts and flexibility at retirement.
Retirement annuities generally cannot be accessed before age 55, except in specific circumstances such as emigration or severe financial hardship. Other products like flexible investments allow access when needed.
A Living Annuity turns your retirement savings into a regular income after you retire. You choose how much to draw each year within limits, with potential to increase income through healthy engagement with Discovery.

Ready to plan your investments?

Start with a retirement savings plan or explore Discovery Invest products tailored to your goals.