SAVE FOR A GOAL
How to invest money
Momentum Investo investment options can help you save for your retirement, your child's education or personal goals. Empower your future by regularly investing a specific amount and sometimes adding a once-off lump sum. Start investing from only R500 per month and enjoy added benefits like a bonus for staying invested or the option of taking a payment break.
Save for my retirement
Save and invest in such a way that you pay less tax. Grow your retirement savings with long-term investment funds so you can draw a regular income during your retirement.
Save for my child's education
Saving for your child’s education is your most valuable investment. Choose from 2 education investment options, save what you can afford and get rewarded if you stay invested.
Invest in a Momentum endowment policy, retirement annuity or linked investment
Tumi is a communication specialist for a bank, and her grandmother stays with her.
She would like to make the dream of owning a home come true without being crippled by debt interest when she eventually buys a home. She invests
R1 000 pm for 7 years to save for a deposit.
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Lucas is a builder who works for himself.
He wants to get married and would like to show the in-laws he’s responsible. He starts investing R1 400 pm in a retirement annuity and commits to saving until the age of 65.
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Amy is a personal assistant to a high-brow government official. She is a divorcee and a single mother of a baby boy, Andrew.
She doesn’t know if Andrew’s father will be able to help pay for Andrew’s studies. She decides to save R800 pm to ensure enough money is saved when Andrew turns 18 and begins his tertiary education.
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Larry is a medical doctor who has led the good life. Thankfully, his wife encouraged him to take out investment plans for their 3 children’s education when they were young.
He wakes up and realises he better start saving for his retirement at 65 too. He tightens his belt and starts investing
R20 000 pm in a retirement annuity.
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*Assumptions: We assume a growth rate of 12% each year until the end of the investment term. Each person increases their contribution by
10% per year. We use the Momentum Focus 7 Fund of Funds and yearly inflation of 6% for the sums. For retirement annuity investors, we assume a retirement age of 65.
**Real value: Real value is like a magic mirror that shows how much you can buy with your future savings amount. It helps you understand how expensive things will get (because of inflation). It's a way to see how your saved money would look today, even if we look at it many years from now.
SAVING VS INVESTING
What is the difference between saving and investing?
People often use saving and investing interchangeably. To make things easier, we prefer to think of saving as not spending your money and putting it aside in a bank account. We like to think of investing as you putting your money to work so that it grows over time.
Saving
Saving is putting aside money that you’re not spending.
Saving is a good approach when putting away money for an emergency. You are keeping it in a bank account or a money market unit trust so you can access it easily if you run into trouble.
You can also save for a holiday that’s around the corner or a gift for a special birthday.
Investing
When it comes to investing you make your money work.
You’re putting it away for a decent amount of time, say 5 years, so that it can grow.
Investing can help you reach your longer-term goals, like retirement or an education fund for your child. The longer your money is invested, the more potential it has to grow and earn interest.
Why choose Momentum Investo
We manage R50 billion on behalf of our clients.
330 000 clients trust us with their money.
You get rewarded for staying invested.
Money talk is complicated, we know. We try to keep things simple and straightforward.
Enjoy a payment holiday when there’s an unexpected financial bump in the road and you need to skip payments for a few months.
We can pay your investment on your behalf if you become disabled or die.
Investo resource centre
Self-service options
We empower you to do some things yourself without having to phone your financial adviser or the call centre. If you don't have an online profile, register now, or login to view your profile.
Update my contact details
Update your contact details with ease so you never miss important information.
Update who should inherit my money
Review and update your beneficiaries whenever significant life changes happen.
View my important documents
Access and view all your important documents from one safe and secure place.
View and download my tax certificates.
Filing your tax returns? Get your tax certificates instantly on the Momentum App or website.
Withdraw two-pot money
Skip the long call centre queues to withdraw money from your retirement savings pot.
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