Planning Tools

Investment Calculator

Estimate potential future value for a lump sum and/or monthly contribution across Discretionary, International, and Retirement options. These values are estimates only and not guaranteed returns.

Minimums used in this estimator: monthly contribution R 750 and lump sum R 50,000.

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Investment Option

Choose a category and product type. The annual return assumption auto-loads from the selected option and can be edited.

General-purpose market-linked investing with high access flexibility.

Risk Profile And Time Horizon Guidance

These profiles define how much market risk you are willing to take.

Selected profile: Moderate with a recommended horizon of 3-5 years.

Suggested annual return from this profile setup: 10%.

Contribution Assumptions

Default annual return for this option: 10%. You can adjust this for your planning scenario.

Please fix the following:

  • Enter at least one contribution (lump sum and/or monthly amount).

Tax Perks And Restrictions

Selected option: Discretionary - Flexible investment

Tax perks

  • No fixed statutory contribution cap.
  • Potentially efficient long-term capital gains treatment compared with full income inclusion.

Restrictions and notes

  • Interest, dividends, and capital gains remain taxable in your hands.
  • No direct tax deduction on contributions.
  • Calculator minimums: monthly R 750 and lump sum R 50,000.

Tax rules and product-specific details can change. The information displayed is not tax or financial advice.