Investing in a Retirement Annuity (RA) is wise


📁 Investing in a Retirement Annuity (RA) is wise

Maximizing tax benefits by investing in retirement annuities & tax-free investments:



☑️ It gives your retirement savings plan a kickstart.
If you invest in an RA as well as your employer retirement fund, you create a larger pot of retirement savings to secure a better income during retirement.
☑️ It provides an opportunity for capital growth.
An RA offers you the opportunity to invest in a wide range of funds, risk profiled solutions and share portfolios. You select the underlying investments in accordance with the amount of investment risk you’re willing to take on.
☑️ It’s affordable.
A small monthly investment can make a big difference in your retirement savings outcome years from now.
☑️ Your savings are protected from creditors.
If you are in the process of insolvency, your retirement annuity investment is protected from creditors – they won’t be able to take from your savings.
☑️ An RA encourages disciplined savings for your retirement.
You can’t touch the investment until you are at least 55 years old.
At retirement, you can seamlessly transfer your savings to one of our retirement income solutions, without exiting the markets.


☑️ Contributions to retirement funds are tax deductible, up to the lesser of:
R350 000 or 27.5% of the higher of the person’s remuneration as defined in the 4th Schedule, or taxable income including taxable capital gains before any deductions under Section 11F itself and 18A, or
☑️ The person’s taxable income before the Section 11F and 18A deductions and also before inclusion of taxable capital gains
☑️ Excess contributions that did not rank for deduction, may be carried forward to the following tax year, subject to limitations
☑️ Earnings inside a retirement fund is protected from taxes, including capital gains
Let ANF help maximise your tax benefits.
Investing in a Retirement Annuity (RA) is wise
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