The Investment Frontiers Retirement Capital Portfolio is an
option within the South African Retirement Annuity Fund
(SARAF), which is underwritten by Old Mutual.
The Investment Frontiers Retirement Capital Portfolio offers
the member a fl exible, tax-effi cient vehicle with access to a
wide range of underlying investment options for the purposes
of retirement capital accumulation.
Lump sum, ad hoc and recurring investments may be made
at any stage and recurring investments may cease and
then continue as and when members are able to contribute.
Contributions are tax deductible within limits.
The fund is suited to investors seeking independent funding.
This includes anyone who recognises the need for a retirement
savings plan, including members of pension or provident funds
who wish to supplement their retirement income. Members can
tailor their investment to suit their particular fi nancial needs,
investment objectives and/or risk profi le.
FEATURES & BENEFITS
A choice of asset managers
Access to a range of leading asset managers.
A choice of underlying investment options
Access to international and local investment markets.
Members may choose from a broad spectrum of investment
options, including a comprehensive range of risk-profi led
funds, multi-manager funds and guaranteed options,
depending on their risk profi le and investment objectives.
Capital depreciation risk may be reduced during volatile
market conditions or when nearing planned withdrawal, by
switching into the Secured Money Market Fund or the SA
Money Market Fund.
Phased-in investment option
Members may also phase in their investments from the SA
Money Market Fund or the Secured Money Market Fund at
intervals of their choice.
Investors may invest in the Investment Frontiers Retirement
Capital Portfolio, offered by SARAF, at any stage up to
Investors may add to their investment at any time on an ad
hoc basis, up to age 69.