South Africa
Namibia
Retirement and Income
Retirement and Income
We have a range of investment solutions to help you along each stage of your investment journey. Whether you’re saving towards retirement, drawing an income from your retirement savings, or simply drawing an income from your discretionary investments, we have a range of options suited to your investment needs.
Need help planning your retirement?
RETIREMENT CALCULATOR
What is reg 28?
Regulation 28 of the Pension Funds Act sets out the maximum limits that retirement fund investors can hold in different asset classes. For example: 75% in equity, 25% in listed property and 45% foreign.
M&G Investments' Reg 28 funds
If you’re looking for a unit trust that complies with Regulation 28, we offer a range of options to choose from, including: the M&G Balanced, Inflation Plus, Enhanced Income and Income Funds.
Using Tax-free as part of your retirement plan
Our range of Tax-free investments are exempt from all local taxes, making it a great way for you to supplement your retirement savings.
Drawing an income: Target Income funds
Our Target Income Funds offer an ideal all-in-one solution if you’re looking to draw an income from your investment. Each fund is specifically designed and managed to provide an income of between 2.5% - 7%, with a secondary objective of growing your capital over time.
Drawing an income from your LA
Our Target Income Funds take the guesswork out of deciding which option to choose for your living annuity investment. Each unit trust is specifically designed and managed to provide you with an income between 2.5% -7%, with a secondary focus of growing your capital over time.
Drawing an income from discretionary savings
If you’re looking to draw an income from your investment, our range of Target Income Funds are designed and managed with exactly that in mind.
-
Post Retirement
Downloads
-
M&G 2.5% Target Income Fund
Who Should Invest
This solution is ideal for income drawing investors who want to invest their post-retirement or discretionary savings in an all-in-one solution that aims to earn 2.5% income per year. Subject to this level of income return being achieved, investors will also want their capital to grow over time. Given the level of targeted income return, it’s likely that the real value of capital after targeted income drawdowns will grow over the long term.
-
M&G 5% Target Income Fund
Who Should Invest
This solution is ideal for income drawing investors who want to invest their post-retirement or discretionary savings in an all-in-one solution that aims to earn 5% income per year. Subject to this level of income return being achieved, investors will also want their capital to grow over time. Given the relatively high level of targeted income return, there’s an appreciable possibility that the real value of capital after targeted income drawdowns will not be maintained over the long term.
-
M&G 7% Target Income Fund
Who Should Invest
Income drawing investors who want to invest their post-retirement or discretionary savings in an all-in-one solution that aims to earn 7% income per year. Subject to this level of income return being achieved, investors will also want their capital to grow over time. Given the very high level of targeted income return, it is most likely that the real value of capital after targeted income drawdowns will be eroded over the long term.
-
M&G Target Income: Self-Managed Option
Who Should Invest
This solution is ideal for investors who would like to select their own specific income requirement, ranging from 2.5%-17.5%, and build their own portfolio from underlying M&G unit trusts.