Satrix Balanced

A moderate risk fund which invests across all asset classes both locally and internationally.

Tax free savings accounts are available across all Satrix funds

ETFs or Unit Trusts

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Satrix Balanced Index Fund - High Equity

The Satrix Balanced Index Fund tracks the proprietary Satrix Balanced Index and offers diversified exposure to all the key local and international asset classes. The local equity component tracks the proprietary Satrix SmartCoreTM Index, which offers multi-factor exposure to these expected long-term drivers of excess return: value, quality and momentum.

Effective Annual Cost

The Effective Annual Cost (EAC) is a measure which has been introduced to allow you to compare the cost you incur when you invest in different financial products. It is expressed as a percentage of your investment amount. The EAC is made up of four charges, which are added together, as shown in the table below. Some of the charges may vary, depending on your investment period. The EAC calculation assumes that an investor terminates his or her investment in the financial product at the end of the relevant periods shown in the table.

FUND
PLATFORM
CONTRIBUTION FREQUENCY

Fund Documentation

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For all paper-based application forms please click here

Why the Satrix Retirement Plan?

The Satrix Retirement Plan offers access to a retirement fund investment vehicle that is both tax-efficient and offers underlying investment choice. 

Your contributions are tax deductible against your income and all growth in the investment is tax free. You can start a regular monthly contribution or makes lump sum payments as you like. The investment is flexible in that you can stop and start your contributions without penalties. The low cost, transparent, fee structure ensures that you maximise your retirement growth.

As your investment is geared for retirement you can only start to access the funds when you reach age 55, at which point you are able to take one third of the money you have saved as a lump sum (subject to taxation) and the rest you must use to purchase an annuity which will pay you a monthly amount into retirement.

If you have resigned or been retrenched, and you have a Provident Fund or Pension Fund in place, you can transfer your investment to a Satrix Provident Preservation Fund or a Satrix Pension Preservation Fund.

Invest Now

If you already have a SatrixNOW account, you will have the option to activate a RA, Provident Preservation Fund or Pension Preservation Fund. If you don’t already have a SatrixNOW account, you can register here, and then activate the relevant Retirement Plan account.

Who should invest in the Satrix Retirement Plan?


If you are self-employed, or you do not belong to a pension or provident fund.


If you wish to supplement existing retirement savings.


If you receive income which is not taken into account when contributing to an existing pension or provident fund.


If you are looking for a tax-efficient way to save for retirement.

Simplicity

Satrix has two unit trust funds managed within the limitations of Regulation 28 which are available for selection as the underlying investment in your Satrix Retirement Plan.

Satrix Balanced Index Fund - High Equity

A medium risk fund

 MDD

Satrix Balanced Index Fund - Low Equity

A low risk fund

 MDD

You can choose one of these two unit trust funds or a combination of both for your Satrix Retirement Plan. You may make a single lump sum contribution or a monthly debit order into your plan. There are no minimum investments. You are able to suspend you contributions for any period without penalties.

The fees of these Satrix Unit Trust options within the Satrix Retirement Plan are as follows


SATRIX BALANCED INDEX FUNDSATRIX LOW EQUITY FUND
RA Administration fee0.30% excl VAT0.30% excl VAT
Total Investment Charge (TIC)
0.48%
0.45%
10904136