Living annuity

The Ashburton Living Annuity is a flexible product designed to suit your lifestyle and provide a regular income after retirement.

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Is this product suitable for me?

The Ashburton Living Annuity is suitable if you:

Want to continue participating in the performance of the market after retirement.
Are looking for a flexible product that gives you greater control in retirement.
Want to choose the income you receive and be able to adjust it every year.
Want to leave capital to your beneficiaries.

What are the benefits?

Market participation - you can continue to participate in the performance of the market by choosing underlying investment funds to invest into.
Income flexibility - you can adjust your income every year (between 2.5% and 17.5%).
Estate planning - when you pass away, you can leave the remaining capital to your beneficiaries.

What will my money be invested in?

The Ashburton Living Annuity gives you access to a wide range of traditional and alternative investment funds. Click here for a full list of available funds.

The Pension Funds Act regulates the maximum limits that a retirement fund may be exposed to the different asset classes. As a way to provide similar guidance to those with living annuities, it may be useful to refer to these guidelines to assess the overall asset composition of your living annuity. Broadly speaking, the maximum exposure that retirement funds may have to the various asset classes are as follows:

75% to equity investments
50% to non-government debt instruments<
25% to offshore investments
25% to property investments
15% to hedge funds, private equity funds and any other asset not specifically mentioned
10% to commodities like gold

Speak to your financial advisor to find out more about the Ashburton Living Annuity. You can also read the Ashburton Living Annuity brochure and guide to learn more about this product.
Review our list of Ashburton and third-party funds to identify the funds that suit your risk profile and investment objectives. Click here for our fund list.
Once you have made your investment choices, complete an Ashburton Living Annuity Form.
Gather your FICA documents. Click here for the list of FICA documents required. .
Your financial advisor will submit all the documents on your behalf, or you can email it to our Client Service Team instruct@ashburtoninvest.co.za.

Initial fees
Ashburton funds	0%	0%
RMB Solutions	0%	0%
Third-party funds	0%	First R1m - 0.45% Next R2m - 0.35% Above R3m - 0.22% Fees are calculated by aggregating your total investments across all products.
Financial advisor fees *	Maximum 1.5% (excl. VAT)	Maximum 1% (excl. VAT)
* Agreed between you and your financial advisor

Fund literature
Forms	Application	Terms and conditions
Brochures	Product information	Fund list

Living annuity

Is this product suitable for me?

What are the benefits?

What will my money be invested in?

What are the investment minimums?

What is a fee account?

How do I invest?