Switch and really grow your Preservation Fund

Is your pension growing at the best possible rate? It could be with the OUTvest ONEfee.

Why should you preserve your investments with OUTvest?

Investment is about taking a risk, but we’ve worked hard to try and balance the odds in your favour. Introducing the OUTvest Preservation Fund with the Fixed ONEfee. What makes OUTvest different?

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Switch and Save

Switch your retirement savings to our Preservation Fund and you could get up to 60% more when you retire.

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Fixed ONEfee

With our Fixed ONEFee structure, you can save up to 90% in the fees that you currently pay.

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OUTcomes based investing

Our target isn’t a benchmark, it’s your desired OUTcome from your investment.

ONEfee changes the value of your investment

With the same investment growth rate, but different fees, your total investment outcome can be very different.

Frequently asked questions

Can I make contributions to a preservation fund?

By law you cannot make any additional monthly or lump sum contributions once you have invested in a preservation fund. You can only transfer money from a pension, provident or another preservation fund to a preservation fund.

Can I withdraw from a preservation fund?

You can make one full or one partial withdrawal from your preservation fund at any time before the age of 55, subject to taxation. However if you have already taken money from your retirement fund before you transfer to a preservation fund you might not be eligible to make a withdrawal.

When can I retire from a preservation fund?

You can retire from your preservation fund any time after the age of 55. There might be certain tax implications when you do retire from your preservation fund that you would need to consider.

At retirement, for any non-vested benefits in a preservation fund, you are allowed to access up to 1/3rd of the funds in cash, subject to taxation, while the remaining portion must be used to purchase an income for life (Living annuity or guaranteed annuity) at retirement. If your fund value is less than R 247 500 when you retire you can access the full amount in cash, subject to taxation.

For any provident or provident preservation fund vested benefits at retirement, you can however take the full benefit as a lump sum, or take a portion of the benefit as a lump sum and purchase an annuity with the rest.

What is the minimum amount I can transfer to the OUTvest preservation funds?

We will accept transfers for amounts of R 25 000 and more.

Can I transfer my other preservation funds to the OUTvest Preservation fund?

Yes, and we can assist you with the process. The best part is that this transfer is done tax-free. Due to a number of parties involved in the process these kinds of transfers can take some time. But not to worry, we will help you every step of the way.

What happens to my OUTvest Preservation fund if I die?

A board of trustees is responsible for running the Preservation fund and protecting the interests of all members. If you die while still invested in the OUTvest Preservation fund the trustees must trace those that are financially dependent on you and allocate the funds appropriately.

Is the OUTvest preservation fund protected from my creditors?

Yes, once your money is invested in the OUTvest preservation fund it is protected from all your creditors, thus ensuring you have something to help you retire with one day, even if you were sequestrated.

What is a vested and a non-vested benefit?

Vested benefits are accrued rights as a result of any membership in a provident fund or provident preservation fund on 1 March 2021. If you have been a member of these funds at the time, any amounts contributed or transferred to these funds, before 1 March 2021, are seen as your vested benefits. If you were 55 years or older on 1 March 2021, your vested benefits will also include any further contributions you made while you were a member of that provident fund, including fund returns. A vested benefit right gives you the right to be able to withdraw the full benefit value as a lumpsum upon retirement.

Non-vested benefits relates to any other benefits in a retirement fund, which gives you the right to be able to only withdraw up to a maximum of 1/3rd at retirement. The remaining portion of the non-vested benefit must be used to purchase an income for life (Living annuity or guaranteed annuity) at retirement.

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