Retirement Annuities

Invest in a Nedgroup Investments Retirement Annuity and build a disciplined, long-term savings plan to supplement your existing retirement savings. Retirement Annuity funds are voluntary contributions that also provide attractive tax benefits for those preparing for retirement. When you invest in a Nedgroup Investments Retirement Annuity, you have the benefit of choosing between adhoc and flexible payment options.

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Learn more about Retirement Annuities
Latest Retirement Insights
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Retirement Annuities offer long-term compounding to provide investors with a stable income during retirement

Gain access to a wide range of Nedgroup Investments Funds

Our Retirement Annuities do not incur causal event fees or penalties. There is also no payment of estate duty.

You have the option of staggered retirement

Nedgroup Investments Retirement Annuities are suitable for all investors, including those who are self-employed or not a member of a pension or provident fund

Latest Retirement Insights

Elevate your retirement plan: Smart financial planning with tax-free investments and retirement annuities

Making the most of retirement: a guide to reviewing your retirement income

27 December 2024

| 2 min read

Building your nest egg: A stress-free guide to retirement annuities for new investors

24 July 2024

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Two-pot retirement system: Everything you need to know

Funds
Performance
Fees
Fact sheet
Documents
Price

Funds at a glance

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Low risk High risk

Flexible Income Fund

Risk profile Low

Investment managers

Abax Investments, Abax Investments is an owner-managed company that focuses exclusively on investment management. Abax aims to construct diversified portfolios which have the ability to generate performance in a range of market conditions. They are characterised by a small and focused team of experienced investment professionals, with varied expertise in stock selection, fixed interest and asset allocation.Abax Investments was established in 2003 and manages the Nedgroup Investments Rainmaker, Entrepreneur, Opportunity and Flexible Income Funds.

Fund and fee information

Fact sheet

Responsible investing

Core Guarded Fund

Risk profile Low medium

Investment managers

Fund and fee information

Fact sheet

Responsible investing

Stable Fund

Risk profile Low medium

Investment managers

Foord Asset Management, Foord is a privately owned, independent asset management company with offices in South Africa and Singapore. Their investment philosophy and associated process focuses on the preservation of capital and the understanding and management of risk. They have developed a track record of producing consistent, inflation-beating long-term returns using a combination of sound asset allocation and stock selection. Foord Asset Management was founded in 1981 and has one of the longest track records in South Africa. They have managed the Nedgroup Investments Value Fund since 2004 and the Nedgroup Investments Stable Fund since its inception in 2007.

Fund and fee information

Fact sheet

Responsible investing

Balanced Fund

Risk profile Medium

Investment managers

Truffle Asset Management, Truffle Asset Management is an owner managed business with a rigorous investment process based on bottom-up fundamental research, downside protection and risk management. Truffle Asset Management has a stable team of investment professionals with a vast depth of experience and an excellent long-term track record in managing balanced funds. Truffle Asset Management was established in 2008.

Fund and fee information

Fact sheet

Responsible investing

Core Diversified Fund

Risk profile Medium

Investment managers

Fund and fee information

Fact sheet

Responsible investing

Opportunity Fund

Risk profile Medium

Investment managers

Fund and fee information

Fact sheet

Responsible investing

Core Accelerated Fund

Risk profile Medium high

Investment managers

Fund and fee information

Fact sheet

Responsible investing

Core Income Fund

Risk profile Low

Investment managers

Fund and fee information

Fact sheet

Fund performance as at: 18 May 2025

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Low risk High risk

usefilter no

Core Income Fund

1 year 9.19%

3 years 8.44%

5 years 6.86%

7 years 7.43%

10 years -

Risk Low

Return
Benchmark
Inflation

Since inception

Recommended minimum period: 6 months

Flexible Income Fund

1 year 11.56%

3 years 9.21%

5 years 8.49%

7 years 8.16%

10 years 8.15%

Risk Low

Return
Benchmark
Inflation

Since inception

Recommended minimum period: 6 months

Core Guarded Fund

1 year 13.87%

3 years 9.92%

5 years 10.69%

7 years 8.54%

10 years 7.74%

Risk Low medium

Return
Benchmark
Inflation

Since inception

Recommended minimum period: 3 years

Stable Fund

1 year 10.55%

3 years 9.04%

5 years 7.8%

7 years 7.84%

10 years 6.82%

Risk Low medium

Return
Benchmark
Inflation

Since inception

Recommended minimum period: 3 years

Balanced Fund

1 year 18.47%

3 years 9.67%

5 years 12.28%

7 years 10.91%

10 years 8.53%

Risk Medium

Return
Benchmark
Inflation

Since inception

Recommended minimum period: 5 years

Core Diversified Fund

1 year 15.53%

3 years 10.9%

5 years 13.28%

7 years 9.22%

10 years 7.82%

Risk Medium

Return
Benchmark
Inflation

Since inception

Recommended minimum period: 5 years

Opportunity Fund

1 year 24.17%

3 years 12.58%

5 years 16.9%

7 years 11.41%

10 years 9.09%

Risk Medium

Return
Benchmark
Inflation

Since inception

Recommended minimum period: 5 years

Core Accelerated Fund

1 year 15.84%

3 years 11.27%

5 years 14.61%

7 years 9.11%

10 years 9.04%

Risk Medium high

Return
Benchmark
Inflation

Since inception

Recommended minimum period: 5 years

Disclaimer

Performance is calculated for the portfolio and individual investment performance may differ as a result of initial fees, the actual investment, the actual investment date, the date of reinvestment and dividend withholding tax. The annualised total return is the average return earned by an investment each year over a given time period.

Fees

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Fees calculator

Low risk High risk

Fund name	Investment management	Transaction Costs	Total investment charges
Core Income Fund	0.59%	0.00%	0.59%
Flexible Income Fund	0.90%	0.01%	0.91%
Core Guarded Fund	0.62%	0.02%	0.64%
Stable Fund	1.96%	0.02%	1.98%
Balanced Fund	1.32%	0.69%	2.01%
Core Diversified Fund	0.63%	0.02%	0.65%
Opportunity Fund	1.31%	0.21%	1.52%
Core Accelerated Fund	0.64%	0.05%	0.69%

Fund fact sheets

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Low risk High risk

Fund name	Quarterly commentary	Fact sheet
Core Income Fund	- /content/dam/NGISingleSiteContent/south-africa/pdfs/quarterly-reports/2025q1/.pdf	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/factsheets/202503/Nedgroup Investments Core Income Fund B.pdf
Flexible Income Fund	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/quarterly-reports/2025q1/Nedgroup Investments Flexible Income Fund.pdf	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/factsheets/202503/Nedgroup Investments Flexible Income Fund R.pdf
Core Guarded Fund	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/quarterly-reports/2025q1/Nedgroup Investments Core Guarded Fund.pdf	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/factsheets/202503/Nedgroup Investments Core Guarded Fund C.pdf
Stable Fund	- /content/dam/NGISingleSiteContent/south-africa/pdfs/quarterly-reports/2025q1/.pdf	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/factsheets/202503/Nedgroup Investments Stable Fund C.pdf
Balanced Fund	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/quarterly-reports/2025q1/Nedgroup Investments Balanced Fund.pdf	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/factsheets/202503/Nedgroup Investments Balanced Fund A2.pdf
Core Diversified Fund	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/quarterly-reports/2025q1/Nedgroup Investments Core Diversified Fund.pdf	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/factsheets/202503/Nedgroup Investments Core Diversified Fund C.pdf
Opportunity Fund	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/quarterly-reports/2025q1/Nedgroup Investments Opportunity Fund.pdf	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/factsheets/202503/Nedgroup Investments Opportunity Fund A1.pdf
Core Accelerated Fund	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/quarterly-reports/2025q1/Nedgroup Investments Core Accelerated Fund.pdf	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/factsheets/202503/Nedgroup Investments Core Accelerated Fund C.pdf

Fund documents

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Low risk High risk

Fund name	Portfolio	Income distribution
Core Income Fund	/content/dam/NGISingleSiteContent/south-africa/pdfs/portfolios/202404/.pdf	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/incomedistribution/active/Nedgroup Investments Core Income Fund B.pdf
Flexible Income Fund	/content/dam/NGISingleSiteContent/south-africa/pdfs/portfolios/202404/.pdf	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/incomedistribution/active/Nedgroup Investments Flexible Income Fund R.pdf
Core Guarded Fund	/content/dam/NGISingleSiteContent/south-africa/pdfs/portfolios/202404/.pdf	/content/dam/NGISingleSiteContent/south-africa/pdfs/incomedistribution/active/.pdf
Stable Fund	/content/dam/NGISingleSiteContent/south-africa/pdfs/portfolios/202404/.pdf	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/incomedistribution/active/Nedgroup Investments Stable Fund C.pdf
Balanced Fund	/content/dam/NGISingleSiteContent/south-africa/pdfs/portfolios/202404/.pdf	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/incomedistribution/active/Nedgroup Investments Balanced Fund.pdf
Core Diversified Fund	/content/dam/NGISingleSiteContent/south-africa/pdfs/portfolios/202404/.pdf	/content/dam/NGISingleSiteContent/south-africa/pdfs/incomedistribution/active/.pdf
Opportunity Fund	/content/dam/NGISingleSiteContent/south-africa/pdfs/portfolios/202404/.pdf	PDF /content/dam/NGISingleSiteContent/south-africa/pdfs/incomedistribution/active/Nedgroup Investments Opportunity Fund A1.pdf
Core Accelerated Fund	/content/dam/NGISingleSiteContent/south-africa/pdfs/portfolios/202404/.pdf	/content/dam/NGISingleSiteContent/south-africa/pdfs/incomedistribution/active/.pdf

Fund price as at:

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Low risk High risk

Fund name	Fund price	Market change
Core Income Fund	100.39	0.02%
Flexible Income Fund	1 762.49	0.10%
Core Guarded Fund	1 940.00	0.19%
Stable Fund	249.83	0.25%
Balanced Fund	1 624.33	0.22%
Core Diversified Fund	3 035.57	0.16%
Opportunity Fund	7 466.35	-0.20%
Core Accelerated Fund	1 665.22	0.29%

Disclaimer

Funds are valued daily at 15:00. Instructions must reach us before 14:00 (12:00 for Nedgroup Money Market Fund) to ensure same day value. Prices are published daily on our website and in selected major newspapers.

The Total Investment Charges expressed as a percentage of the fund, relates to all investment costs of the fund and are made up of Total Expense Ratio (TER) and Transaction Costs (TC). Please refer to the relevant fund fact sheet and your investment statement for full details and a breakdown of TER and TC. Total Investment Charges were introduced by ASISA in January 2016 and any date prior to this will display TER charges only.

Nedgroup Investments Money Market Fund aims to maintain a constant price of 100 cents per unit. A money market fund is not a bank deposit. The total return to the investor is made up of interest received and any gain or loss made on any particular instrument held. In most cases the return will merely have the effect of increasing or decreasing the daily yield, but in an extreme case it can have the effect of a capital loss. Excessive withdrawals from the fund may place the fund under liquidity pressures and that in such circumstances a process of ring-fencing of withdrawal instructions and managed pay-outs over time may be followed. The yield is calculated using an annualised seven day rolling average as at the relevant dates provided for in the fund fact sheet.

A schedule of fees and charges and maximum commissions is available on request from Nedgroup Investments.

Unit counts refers to the total number of units currently in the fund.

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About Us

Our History

We partner with independent managers in each fund category to offer a range of expertly managed funds across all asset classes. Click here to learn more about us.

Our Awards

We have received consistent industry recognition over the years as one of South Africa’s top asset managers. Click here to read more about our awards over the years.