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The Equinox Retirement Products

Equinox offers a Retirement Annuity fund, a Pension Preservation fund and a Provident Preservation fund. These funds have been designed to give investors a transparent, flexible and cost effective pricing structure, as well as wide range of underlying unit trust investment choices.

Our unique online technology allows you to track the status of your investment and the value of your investments on a real time basis.

Investors in our retirement funds have access to a large selection of domestic unit trust funds suitable for retirement funds.
Only investment instruments approved by the retirement fund trustees based on the following selection criteria will be considered for inclusion in the list of investment instruments available to members and financial advisors for discretionary selection.

  • An annual certificate issued by the Compliance Officer or appointed auditors of the investment management company confirming that the investment instrument complies with regulation 28 guidelines on an ongoing basis.
    (The certificate must be dated on any day within the Equinox retirement fund financial year being 1 March to 28 February of each year.)
  • A supplemental deed confirming that the said investment instrument will be managed according to retirement fund regulation and is suitable for retirement funds.
The trustees of the retirement funds review the list of compliant investment instruments regularly and might from time to time decide to remove investment instruments based on performance or compliance criteria not being met. This means that you can select the very best fund managers, and switch as and when you please.

Equinox Retirement Annuity Fund

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The Equinox Retirement Annuity Fund provides investors with a tax efficient vehicle to save for retirement. It is ideal for self employed investors or those who wish to top up existing contributions to their pension or provident fund.

Our Retirement Annuity fund enables investors to contribute to the fund on an 'as and when' basis without any penalties, which makes it ideal for those who have an irregular income stream.

Contributions to the Equinox Retirement Annuity Fund can be made on a lump sum basis or by debit order. Debit orders can be reduced, stopped and resumed as your circumstances change.

The focus is on simplicity, choice and transparency. The Equinox Retirement Annuity Fund does not offer any guarantees. Neither does it include any insurance component, which means significant cost savings and no complicated policy tie-ups.

Equinox Preservation Funds

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The Equinox Pension and Provident Preservation Funds are designed for investors who are leaving an employer's pension or provident fund due to a change of employment, retrenchment or the employer closing the fund.

The preservation funds preserve your retirement assets and tax deductions previously granted on your contributions. Preserving the tax status will maximize the tax-free lump sum available on your retirement date.

As with all preservation funds, the assets have to be transferred directly from your pension or provident fund and no further contributions can be made. No tax is payable on the money transferred into your preservation fund. You are permitted one (taxable) deduction from your assets prior to retirement.

Where most preservation funds insist on a minimum of R50 000, the Equinox Preservation Funds have a low minimum lump sum of R25 000, as well as the widest range of underlying investment choices, and flexibility to switch between fund managers.

Please see our Questions and Answers section for more, or contact us on 0860 378 466 or direct@equinox.co.za if you have any further questions or queries.
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Equinox.co.za is a division of EFS Investment Solutions (Pty) Ltd, authorised as a discretionary and administrative financial services provider by the Financial Services Board of South Africa.(FSP No: 563)

All investments, including unit trusts, carry risk. The value of your investments can go down as well as up. Information and opinion provided on this website is of a general nature. It does not take into account any person's specific circumstances. It is not intended to provide personalised financial advice, and should not be construed as such.

Contact us by email at direct@equinox.co.za or phone 0860 378 466.

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