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Give your investments momentum

Do you want your investments to grow? Did you know that you can use your goals to create an investment strategy that keeps you focused and invested for longer?

Just one of the ways you can create a strong investment strategy is to incorporate tax planning as part of your financial plan, which can improve the likelihood of you achieving your goals, especially when planning for retirement.

Tax planning is an important part of creating a financial plan and a successful investment journey.

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Boost your retirement savings

Without a doubt, one of the most effective ways to save for retirement is through a retirement annuity.

A great benefit is that you can deduct the money that you invest in a retirement annuity from tax. For example, if you earn about R500 000 a year, your effective tax rate is about 25%. That means that for every R100 you invest in your retirement annuity, only R75 comes from your pocket, because you can get R25 back from the tax man if you claim it back.

To make the most of this deduction, you can invest up to 27,5% of your taxable income or your remuneration, whichever is higher.

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Tax-free investing

Although you don’t get a tax deduction for money you invest in a tax-free investment (also known as a tax-free savings account), you can still enjoy tax-free growth. And you won’t pay any tax on the proceeds when you decide to take money out of the investment.

You can invest up to R46 000 every tax year (R3 833 per month) in a
tax-free investment, limited to R500 000 over your lifetime. Government may adjust these limits from time to time.

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What are the benefits of a tax-free investment?

Invest from as little as R500 per month, limited to R46 000 every tax year.

You can choose investment options from the Momentum Investments outcome-based solutions range or from a list of other investment options managed by Momentum Investments.

You have full access to your money at any time, but the benefit becomes more meaningful the longer you stay invested.

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Offshore investing

The offshore investment platform that helps South African clients achieve their financial goals. Offshore investing can be a powerful tool for South Africans who want to grow and protect their wealth, plan their estates, and enjoy an international lifestyle.

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What are the advantages of investing offshore?

Build and protect your wealth globally.

Hedge against country-specific risk.

Access opportunities that are not available regionally.

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Interested in investing offshore?

In a world without borders, your wealth shouldn’t have any either. Investing offshore isn’t just about diversification, it’s about freedom. Expand your portfolio beyond local investments and gain access to global markets, hard currencies, and high-growth sectors. Unlock powerful opportunities, build lasting wealth, and safeguard your financial future with the strength of a truly global strategy.

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Connect with Momentum Wealth

Not sure how to give your investments momentum?

Speak to a financial adviser about how you can grow your wealth and improve your investment outcomes.

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