Welcome to Anchor Capital
Tell us about you.
Retirement Planning
Retire on your terms.
Retirement is not a single event. It is a transition that unfolds over decades. Whether you are 30 years away or 3, the decisions you make today determine the life you live later.
The question is not "when can I retire?"
It is: "Will my money last as long as I do?"
South Africans are living longer. Medical costs are rising faster than inflation. And the Two-Pot system has introduced new complexity. A comfortable retirement requires more than just saving. It requires a strategy that adapts as your life does.
At Anchor, we build retirement plans around three realities: you need growth to beat inflation, you need protection against market shocks near retirement, and you need a sustainable drawdown strategy that does not force you to choose between living well today and having enough tomorrow.
Solutions
The Vehicles We Use
Each retirement structure serves a different purpose. We help you choose the right combination based on your age, tax position, and income needs.
Living Annuities
Flexible income drawdown from your retirement capital. You choose your investment mix and drawdown rate (between 2.5% and 17.5% per annum), giving you control over your retirement income.
Preservation Funds
When you leave an employer, preserve your retirement savings in a tax-efficient structure. No further contributions, but full investment flexibility until you retire.
Retirement Annuities
Tax-deductible contributions (up to 27.5% of taxable income) into a long-term retirement vehicle. Ideal for self-employed individuals or supplementing employer contributions.
Reg-28 Compliant Funds
Our managed funds comply with Regulation 28 of the Pension Funds Act, ensuring prudent diversification limits while still pursuing meaningful growth.
Regulatory Update
The Two-Pot System: What It Means for You
Since 1 September 2024, South Africa's retirement landscape has fundamentally changed. The Two-Pot system gives you limited access to a portion of your savings before retirement, but the trade-offs are significant. Here is what you need to know:
Your future contributions are now split: one-third to a Savings Pot (accessible) and two-thirds to a Retirement Pot (preserved until retirement).
You can withdraw from your Savings Pot once per tax year, but early withdrawals are taxed at your marginal rate and reduce your long-term capital.
Your Retirement Pot remains protected, ensuring you still have meaningful capital at retirement.
Existing retirement savings (as at 31 August 2024) are ring-fenced in a Vested Pot under the old rules.
The temptation to access your Savings Pot is real. But every rand withdrawn today is a rand that cannot compound for the next 20 or 30 years. We help you weigh the short-term need against the long-term cost.
Why Anchor
Your retirement is not a set-and-forget exercise.
Markets move. Legislation changes. Your life evolves. A retirement plan that worked five years ago may not work today. We review your position annually, stress-test your drawdown assumptions, and adjust your investment mix as you move through each phase.
You will work with a dedicated wealth manager who understands your full financial picture, not just your retirement fund. Someone who can explain the trade-offs in plain language and help you make decisions with confidence.
Annual Retirement Review
We model your projected income at retirement and stress-test it against inflation, market drawdowns, and longevity risk.
Drawdown Discipline
Living annuity drawdown rates are reviewed annually. We help you balance lifestyle needs against capital preservation.
Dedicated Wealth Manager
One person who knows your name, your goals, and your full financial context. Not a call centre.
Let's Map Your Path
Whether you are starting to save, approaching retirement, or already drawing income, a 30-minute conversation with one of our wealth managers can bring clarity to your next step.