11/08/2026
Retirement annuities (RA's) have been getting some heat lately for fees — and yes, costs matter. But let’s not miss the bigger picture, especially here in South Africa where only 6% of South African's can afford to retire 👇
✅ Powerful tax benefits: Contributions to an RA are tax-deductible (up to limits), which means more of your money is invested upfront — and growth inside the RA is tax-free.
📈 Long-term growth discipline: RA's are designed to keep you invested. No panic withdrawals, no short-term decisions — just consistent, compounding growth over time.
🛡️ Protection from creditors: Your RA is generally protected by law, offering peace of mind that your retirement savings are safeguarded.
🌍 Regulation 28 diversification: While sometimes seen as restrictive, it ensures your portfolio stays diversified and not overly exposed to risky assets.
💡 Costs are improving: The industry is evolving — with more low-cost, transparent RA options available than ever before.
The truth? A well-chosen, low-cost RA remains one of the most effective and tax-efficient ways to build long-term wealth for retirement in South Africa. It’s not about avoiding RA's — it’s about choosing the right one 👍
💬 Get in touch today for a no-obligation portfolio review.
📍 Based in Cape Town | Personalised service, real advice
💻 [email protected]
📞 021 551 1741
JFA Group is an authorised Financial Services Provider (FSP 3422 & 44254)
