The PPS Personal Pension is a retirement annuity (RA) that offers a tax-efficient and cost-effective retirement savings solution, structured from your selection of underlying unit trusts.
The PPS Personal Pension is particularly suitable if you are self-employed, have irregular earning patterns or wish to supplement contributions to your corporate retirement plan, as you are able to stop, reduce and resume your RA contributions at any time without penalty. The tax deductibility of your investment contributions and a zero tax rate within the PPS Personal Pension are significant benefits, with the potential to ultimately enhance your overall level of retirement capital.
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FEATURES AND BENEFITS
Recurring: R 500 per month*
Ad hoc: R5 000
*The minimum recurring debit order amount if you are under the age of 30 is R200 per month, which should be escalated to the normal minimum of R500 per month after your 30th birthday.
Should you die before you retire, the proceeds of your PPS Personal Pension will be distributed to your dependants or beneficiaries*, who may elect to take the full benefit or a portion as a lump sum and commute the remainder to a living annuity.
*Please note that the allocation to the beneficiaries is at the discretion of the Trustees, based on the Provision of section 37C of the Pension Funds Act, No. 24 of 1956. Your nomination will serve to assist the Trustees in making these decisions, but may not be binding on them.
PPS FundsSelect the option suitable to youWe build diversified funds across managers and strategies to achieve consistent performance over time. Our experienced investment team manages the asset allocation and manager combination of each solution. You just need to select the appropriate multi-managed fund. View our PPS Funds>>
Other Funds You select from managers on our platformYou choose the appropriate combination of funds from our pre-approved list to construct the solution you want. Our online functionality allows you to manage your overall asset allocation and change the combination of funds at any time.View our other Funds >
PPS Managed Share PortfolioThe PPS Managed Share Portfolio is accessible by intermediated investors only, and is offered as an investment option within PPS Investments' range of retirement funds. The PPS Managed Share Portfolio provides direct access to securities listed on the Johannesburg Stock Exchange (JSE). Managed in conjunction with a selected stockbroking company, this offers unique advantages to discerning, high-net-worth investors who seek personal involvement in managing their savings. More about the Managed Share Portfolio>>
Depending on your preference, there are a few ways you are able to invest with us.
Invest via an adviser We always recommend seeking the advice of an experienced and qualified financial adviser to help you set financial goals, save sufficiently for these goals and stick to your investment plans. Should wish to find a PPS Investments accredited adviser, leave your details here and someone will to contact you shortly.
Invest via an adviser
Invest NowWith the InvestNow functionality, you're able to place new investments, top up existing investments, switch or make withdrawals. And in-app notifications keep you updated on the progress of your transactions. A nifty retirement calculator and access to key documents like tax certificates are added benefits. Click here to use this functionality.
With the InvestNow functionality, you're able to place new investments, top up existing investments, switch or make withdrawals. And in-app notifications keep you updated on the progress of your transactions. A nifty retirement calculator and access to key documents like tax certificates are added benefits. Click here to use this functionality.
Printing and completing an application form You're also welcome to print the application form and send it to our Validations Team at firstname.lastname@example.org. For any further support, contact our dedicated client service teams are available between 8:00 and 17:00, Mondays to Fridays at 0860 468 777 or email@example.com to assist you with your transaction.