Investing money is a great way to build wealth for your future or to work towards a financial goal. And with the OUTvest Voluntary Plan, you get an intelligent method of growing your money, where you invest it into our uniquely engineered unit trust funds or even our Global Wealth Builder.
Voluntary investments, also known as discretionary investments, are quite literally at your discretion. You have the flexibility to invest on your own terms, in your own time, towards your own specific goals.
Unlimited contributions
Although you pay tax on any gains you earn through our Voluntary Plan, you can make almost unlimited contributions, unlike when investing money in a tax free investment.
Tax made easy
We'll provide you with a Tax Certificate annually to make completing your tax return simpler.
Withdraw at any time
You won't be penalised for withdrawing money, and you can do so through our app or our website.
Get startedInvesting money doesn't have to be complicated. That's why we've designed our system to offer various investment options in a way that is as straightforward and user-friendly as possible.
Part of what makes investing money with us so simple is our innovative Robo-Advisor.
Download our app to have our Robo-Advisor ask you a couple of quick, easy questions. The system will then suggest which fund best suits your needs and your timeline.
It's our way of keeping investment management and investment planning as transparent and cost-effective as possible.
Try it now with no obligation to invest.
App store Play storeOur investment management services are a hybrid between Robo-Advice and advice from our expert human financial advisors.
This helps us to keep our fees as low as possible. In fact, our innovative ONEfee model could save you as much as 90% in fees, leading to you getting up to 60% more OUT of your investment. Read more about how our fees work here.
Here's an example of how having the same investment growth rate, but different fees, could lead to a significantly better investment outcome.
Jenny is 25 years old and will be saving R1500 per month towards a voluntary investment for 15 years. Her monthly contributions will escalate at 6% per annum.
The OUTvest Voluntary Plan is great for seasoned investors looking to diversify their portfolios. But it's also great for those who are new to the world of investing money.
Our system will guide you every step of the way. Whether you'd like to invest in short term investments or long term investments, we will help you get to your desired outcome.
You can choose whether you want to invest a lump sum, or whether you want to invest every month. And you only need as little as R100 to start investing!
Crowdvest gives your friends and family the opportunity to invest towards your Voluntary Plan. By investing money towards a shared goal, you can reach your outcome faster.
Learn more about Crowdvest
We’ve simplified the world of investing money by replacing hundreds of investment funds with five highly efficient ones.
All of our funds are good investment options. But the fund you invest in will largely depend on your time horizon and personal circumstances. But don’t worry, our Robo-advisor will help you with the best fund to match your needs.
Learn more about our funds
If you have any questions about investing money in our Voluntary Plan, just say the word and one of our expert advisors will be in contact.
Get in touchYou can add as much money as you like to our Voluntary Plan, there is no limit.
There are certain tax implications such as Capital Gains Tax, Tax on Interest and Dividends Tax when investing in our Voluntary Plan.
The true effect of most of these taxes is only really felt after a few years of investing or as your funds increase substantially in value.
SARS does however give you some incentives annually to ease the effects of these taxes, such as rebates and exemptions up to certain limits. These exemptions and limits can be found on the SARS website and apply cumulatively to all investments that you have.
You can withdraw your money at any time without any penalties and your money is not locked away.
There might be tax implications such as Capital Gains Tax when you withdraw from our Voluntary Plan.
A withdrawal takes roughly three to four working days to complete.
In the event of your death, the money in your OUTvest Voluntary Plan will go directly into your estate. There is no provision to nominate any beneficiaries.
By law, our OUTvest Voluntary Plan is not protected from your creditors and if your estate is sequestrated it may be liquidated and paid to your creditors.
