1
Choose Retirement Annuity from the Portfolio Dashboard
Select "Retirement Annuity" from your portfolio dashboard to start. Note: this option is exclusive to Pro plan holders.
retirement annuity
What makes the Franc RA stand out
Payment flexibility, growth potential, and clear progress tracking so you can retire with confidence.
Retirement planning made easy
Invest R125 or more at any time, pause contributions whenever you need to, and choose a payment frequency that fits your life.
Growth potential
Invest in a high-equity, diversified strategy (Sygnia Skeleton Balanced 70) designed for long-term growth if you have 10+ years until retirement.
Track your growth
Always know how much you've saved and how your retirement plan is progressing with full visibility inside the Franc app.
retirement annuity
What makes the Franc RA stand out
2
Enter your tax number
Provide your tax number during setup to verify your account and enable tax-efficient contributions — you can claim up to 27.5% of your income (capped at R350,000/year) as a deduction.
3
Add your beneficiaries
Add beneficiaries so your savings are passed on according to your wishes. Beneficiaries help ensure a smoother process for your loved ones and make sure your retirement savings are handled correctly.
Retirement Calculator
Plan your freedom years
Your retirement should be a time of freedom and possibility. Let us help you calculate how much you need to save today to enjoy the lifestyle you deserve tomorrow.
retirement annuity vs pension fund
What's the difference between a pension fund and a retirement annuity?
Pension funds are tied to your employer. Retirement annuities stay with you - job to job, career to career. Plus, you choose where it's invested and see exactly how it's growing.
retirement annuity
Diversified growth
Our retirement annuity is low-cost, multi-asset, high equity portfolio with international assets that is ideal for long term growth.
Sygnia Skeleton Balanced 70 Fund
The fund aims to maximise returns through diversified multi-asset, high equity exposure portfolio.
Annualised Performance
- 1YR
- 17.4%
- 3YR
- 15.1%
- 5YR
- 12.5%
- 10YR
- 10.3%
- Since inception
- 9.6%
Costs (excl. VAT)
- Annual Fee
- 1.32%
- Transaction Fee
- Up to 0.76%
Regulated by the FSCA
Franc is an authorised Financial Services Provider (No. 49998), regulated by the Financial Services Conduct Authority (FSCA).
Protected by law
Your investments are held with licensed providers in your name and governed by the Collective Investment Schemes Control Act.
Bank-level security
We are a registered with the Financial Intelligence Center (FIC) and use advanced technology to keep your money and personal information safe.
retirement annuity
Frequently asked questions
- If you invest in a retirement annuity through Franc, you're investing in the Sygnia Skeleton Balanced 70: a diversified fund with multiple asset classes in its portfolio, and a high exposure to equities that aims to maximise growth potential over the long term.
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