Make Your Living Annuity a Living Legend:

Living Annuity
Retired IncomeLiving Annuity
Built for GrowthLiving Annuity
Tailor-made PlansLiving Annuity
Retire your WayLiving Annuity
Thriving securelyLiving Annuity
Your LegacyLiving Annuity
Easy ChoiceLiving Annuity
Grows with YouBest Calculators
Free ComparisonsRetiring Soon
Already Retired

Investonline Living Annuity secures retirement with superior returns, flexible investments, low fees, expert support and up to 100% offshore exposure.

Free Calculator

When You Retire?Living Annuity OffshoreLiving Annuity CalculatorLiving vs Life Annuity ReturnsFree Comparison

Trusted Partners

Member of

Living Annuity Calculator

Optimise your retirement savings today.

Track your income
Monitor capital progress
Maintain sustainability

Use our Living Annuity Calculator with standard and advanced inputs to see how long your savings will last and adjust to stay on track.

Living Annuity Calculator

Improve results by adjusting income, saving more, or retiring later — to name a few.

1. Income

2. Capital

3. Sustainability

Complete your details to unlock all the features.

Aggressive 10%

Moderate 9%

Conservative 8%

Aggressive 10%

Moderate 9%

Conservative 8%

Adjust Your Income: 5%

How to use the calculator

Total Retirement Savings includes your Provident, Pension, Preservation Funds, Retirement Annuities, and Living Annuities to estimate your sustainable retirement income.

Above the graph are Income, Capital, and Sustainability. Below is an income slider.

Income is your projected retirement income. Capital shows your remaining savings. Sustainability shows how long your income lasts and the age it peaks.

There are two ways to customise your plan: Standard Inputs and Advanced Inputs.

Standard Inputs let you set your current age, retirement age, total savings, and income.

Advanced Inputs let you choose your birthday and retirement month, add contributions until retirement, and set income increases every 1, 2, or 3 years to help maintain capital.

Under Modelled Returns, you can adjust inflation (first) and returns (last); the middle value is fixed. Return options (Aggressive, Moderate and Conservative) are for illustration only.

Disclaimer

Projections are based on the financial information you provided and are not guaranteed by Investonline. They are intended as a planning tool and consider historical market returns, though future performance is uncertain. Past returns do not guarantee future results. These calculations are not financial, legal, or tax advice and should not be your sole source of information. While we use reliable sources, accuracy cannot be guaranteed.

Modify Values

1. Standard Inputs

Current Age

Retirement Age

Total Retirement Savings

Adjust Your Income: 5%

R15000 @ month 1
2. Advanced Inputs

Your Birth Month

Your Retirement Month

Income Escalation

Income escalates with inflation—every year, every 2nd or 3rd year. This helps offset inflation while preserving capital. Example: if you select every 2nd year and inflation is 6%, income escalates by 12.4% (double inflation with compounding).

Debit Order

Modelled Returns

Adjust inflation (first value) and add/reduce return (last value). Baseline return (middle) is fixed. Options shown as Aggressive, Moderate or Conservative returns. Expected returns are for illustration purposes only.

CPI (Adjust Inflation)
6%

Adjust Returns
0%

Aggressive
6%
+
4%
+
2%
= 7%

Moderate
6%
+
3%
+
2%
= 7%

Conservative
6%
+
2%
+
2%
= 7%
Need Personalised Advice? Free Consultation
Thank you! We'll be in touch soon.

Why Investonline?

Investonline Living Annuity

An Investonline Living Annuity offers flexible, sustainable retirement income, consistent growth and long-term security.

Qualified Advice: Backed by expertise
Ongoing Support: Regular reviews
Annual Check-ins: Your income
Estate Support: For your family
Returns & Fees: Maximise growth

Choosing an Investonline Living Annuity ensures long-term security, growth, and peace of mind.

portrait-senior-couple-love-showing-affection

Who This Is For:

For Clients with R10M+

You are eligible for bespoke wealth management, featuring personalised service and strategies tailored for high-net-worth individuals.

What You’ll Get:

Regular Reviews: Ensure you on track.
Market Insights: Exclusive updates.
Dedicated Manager: Personal guidance.

Benefits for R10M+ Clients:

Maximise Returns: Enhance your net returns.
No Guessing: Clear comparisons.
Exclusive Insight: Personalised financial plan.

With R10M+ in assets, you’re already on the path to exceptional service.

Dedicated Client Manager

What is a Living Annuity?

Income During Retirement

A Living Annuity is a flexible retirement income option funded by Retirement Annuities, Pension, Provident, or Preservation Funds.

It offers the flexibility to withdraw between 2.5% and 17.5% annually, allowing you to adjust your income as needed. You can invest up to 100% offshore, with tax only applied to the income taken.

Any remaining capital is passed to your beneficiaries. You also have the option to transfer your Living Annuity to another provider or convert it into a Life Annuity.

At Investonline, we tailor Living Annuities to help you optimise your retirement savings, income, and investment returns.

Benefits of a Living Annuity?

Flexible income, up to 100% offshore and beneficiary payouts.

Income: 2.5% to 17.5% per annum
Growth: Invest up to 100% offshore
Control: Adjust your portfolio
Tax: Only on withdrawn income
Beneficiaries: Retain capital

Make the most of Living Annuities.

Living Annuity: Fund Performance

Investonline provides tailored active and passive (index) strategies with a proven track record to simplify investing.

		Past Performance					Asset Allocation
	Investonline (IO) Portfolios	1yr	3yr	5yr	10yr	15yr	Offshore %	Total Equity %
Equities	IO High Growth	17.4%	12.8%	19.5%	9.6%	12.0%	40%	95%

	IO Balanced	15.0%	10.5%	13.6%	8.4%	10.2%	40%	70%
	IO Cautious	16.6%	11.1%	10.8%	8.2%	8.6%	20%	40%
Regulation 28	IO Income	11.4%	9.1%	8.5%	7.9%	8.3%	0%	0%

	IO Offshore High Growth	4.3%	16.0%	16.6%	13.5%	18.1%	100%	100%
	IO Offshore Growth	8.9%	13.8%	11.7%	10.6%	12.4%	75%	75%
Global Focus (ZAR)	IO Offshore Balanced	11.4%	13.3%	12.9%	10.0%	11.4%	60%	70%

Let us help you with a free comparison to find the best portfolio for your needs, ensuring your investment aligns with your risk tolerance and growth objectives.

Get a Free Comparison

Investonline (IO) Performance

Actual 15-year performance annualised from Mar 2010 to Mar 2025

12.0% IO High Growth 16 Yr Annualised

10.2% IO Balanced 16 Yr Annualised

8.6% IO Cautious 16 Yr Annualised

Source: Morningstar

IO Investment Strategy

Three core pillars focused on your retirement.

1. Purpose-Built Portfolios

We build portfolios for retirement—focused on growth, stability, and offshore exposure.

2. Evidence-Based Approach

We combine index and active strategies to diversify, focusing on consistency—not hype.

3. Smart, Maximum Efficiency

Our approach is streamlined. Every decision drives value and keeps your money working.

Living Annuity Comparison:

Underperforming funds can limit your Living Annuity Fund’s growth.

Get More From Your Living Annuity

Here’s how our offering stands out:

At Investonline, we focus on cost-effective solutions, consistently strong-performing funds to maximise your returns.

Know Your ReturnsGet a clear picture
Improve StrategyTailor your plan
Increase SavingsHelp to save more

Explore how our Living Annuity compares and ensure your financial goals are on the right track for a secure retirement.

Find out if your plan is sustainable.

Free Comparison

senior-person-school-class-with-smartphone

What Happens When You Retire?

My Retirement Options

Retirement brings important decisions about your Provident, Pension, Preservation Funds, and Retirement Annuities — including whether to transfer them into a Living Annuity or Life Annuity.

These choices can significantly affect your income, tax implications, and long-term financial security.

Make the Most of Your Retirement Options

At Investonline, we help you understand your retirement options and choose a solution that balances flexibility, efficiency, and sustainability.

Your Options Know what’s available
Choose Wisely Compare annuity types
Your Income Plan for the long term

Make confident decisions about your retirement.

Get clarity with our free retirement transition report.

Free Comparison

Comparison: How it works

At Investonline, we offer a free Living Annuity comparison report to give you clear insight into your product rules, fee structure and actual fund performance.

We help you make informed decisions to improve your financial outcomes.