Make Your Preservation Fund a Financial Fortress:

Preservation Fund
Future SecurePreservation Fund
Stay on TrackPreservation Fund
Preserve SavingsPreservation Fund
Keep BuildingPreservation Fund
Guard GrowthPreservation Fund
Preserve SavingsPreservation Fund
Protect & ProsperPreservation Fund
Stay on Course

Investonline Preservation Fund secures your Pension or Provident Fund when changing jobs with tax-efficient growth and expert guidance.

Free Calculator
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Preservation Fund Calculator

Optimise your retirement savings today.

  • Review your preserved savings
  • Estimate future growth
  • Align your retirement goals

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


Preservation Fund Calculator

See how a 1% or 2% return gap impacts capital.

1. Capital
2. Comparison
Complete your details to unlock all the features.
Return = 10%
Return - 1%
Return - 2%

Less return, lower outcome

Retirement Age 65 yrs

How to use the calculator


Above the graph are Capital and Comparison. Below is a slider to set retirement age.

Capital shows your retirement savings. Comparison shows how your return compares to lower-return scenarios: Modelled Return, Less 1%, and Less 2%.

You can customise your plan using Standard Inputs and Advanced Inputs.

Standard Inputs let you set age, retirement savings, and adjust retirement age with the slider.

Advanced Inputs let you adjust the Modelled Return. You can change inflation (first value) and expected return (middle). The third shows the impact if returns drop (Less 1% or 2%).

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.

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Access Standard and Advanced inputs.

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Modify Values

  • 1. Standard Inputs

    Retirement Age 5 yrs

  • 2. Advanced Inputs

    Modelled Returns
    Return = 10%
    6%
    +
    2%
    Return Less 1%
    6%
    +
    2%
    -
    1%
    Return Less 2%
    6%
    +
    2%
    -
    2%
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What is a Preservation Fund?

Protect Your Progress

A Preservation Fund is created from your Pension or Provident Fund when you change jobs, get retrenched or on early retirement.

It allows one withdrawal and preserves your savings until retirement. Investments grow tax-free, with options to choose from various investment portfolios.

You can transfer your Preservation Funds to another Preservation Fund. At retirement you can then transfer into a Living or Life Annuity.

At Investonline, we tailor Preservation Funds to maximise retirement savings.

Benefits of a Preservation Fund?

Secure your retirement savings with these key benefits:

  • Tax-Free Growth on savings
  • Single Withdrawal pre-retirement
  • Savings Protection for retirement
  • Flexible Investment options
  • Easy Transition to a Living Annuity

Preserve your Preservation Fund.

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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
For Clients with R10m+ Premium Partner

Why Investonline?

Investonline Preservation Fund

An Investonline Preservation Fund protects and grows your retirement savings with expert guidance, flexible investments, and tax-free growth.

  • Qualified Advice: Backed by expertise
  • Growth Focus: Up to 75% equity
  • Portfolio Flexibility: Tailor-made
  • Retirement Transition: Seamless
  • Tax-Free: Maximise Growth

Choosing an Investonline Preservation Fund ensures peace of mind. With guidance, we help you protect and grow your retirement confidently.

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Preservation Fund fees, straightforward and transparent

Just like when you book a vacation, you want to know the full cost upfront.

We believe the same should apply when investing your money. With us, you’ll always know exactly what you’re paying for.

  • No exit fees
  • No hidden costs
  • No penalties for changing your funds

We keep our fees straightforward and consistent. You’ll know exactly what you’re paying from the start, with no surprises—whether retiring or during retirement.

Free Comparison

Tailored Preservation Fund Portfolios

Our portfolios offer flexibility with a blend of active and passive (index) strategies.

Smart, Balanced Investing

  • Diversification: Balanced investments
  • Growth: Consistent long-term returns
  • Cost: Competitive, efficient fees
  • Risk: Stable, adaptable approach
  • Flexibility: Portfolio options

With these options, you can confidently work toward your financial goals, whether with a balanced or single strategy, while staying within Regulation 28 limits, holding up to 75% in equities.

Performance
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Preservation Fund: Fund Performance

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

Past PerformanceAsset Allocation
Investonline (IO) Portfolios1yr3yr5yr10yr15yrOffshore %Total Equity %
IO Balanced15.0%10.5%13.6%8.4%10.2%40%70%
IO Cautious16.6%11.1%10.8%8.2%8.6%20%40%
Regulation 28
IO Income11.4%9.1%8.5%7.9%8.3%0%0%
Source: Morningstar   Disclaimer
The table provides the latest performance history of our recommended funds. Capture errors may occur. Returns depend on underlying assets, market conditions, and other factors. Past performance—excl. admin and advisor fees, which are minor, as well as taxes—does not guarantee future results.
Returns: Mar 2025

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.

Partners with Investonline

Investonline (IO) Performance

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

10.2% IO Balanced 15 Yr Annualised

8.6% IO Cautious 15 Yr Annualised

Source: Morningstar   Disclaimer
The graph provides the latest performance history of our recommended funds. Capture errors may occur. Returns depend on underlying assets, market conditions, and other factors. Past performance—excl. admin and advisor fees, which are minor, as well as taxes—does not guarantee future results.

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.

Preservation Fund Comparison

Underperforming funds can limit your Preservation Fund’s growth.

Get More From Your Preservation Fund

At Investonline, we focus on competitive cost solutions and proven long-term performing funds to help you maximise your returns.

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

Make sure your retirement is on track.

Our free comparison report provides insights into fees and performance, helping you make an informed decision.

Free Comparison
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Tax Optimisation for Investors

Speakers → Nick Brummer & Stuart Dyer

11 Jun 25 11:00
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Comparison: How it works

At Investonline, we offer a free comparison 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.

Benefits of a Free Comparison:

  • Know Your Returns: See real performance clearly
  • Risk Assessment: Understand your investment strategy
  • Fee Structure: Review and compare actual costs

Information

Share your details

Discovery

Discuss your situation

Get Your Report

Review the findings

Free Comparison

Expert Guidance & Support

Clear, Tailored Guidance

  • Get a free comparison report
  • Products that suits you best
  • Simple, clear and jargon-free

Effortless Transitions

  • Easy, stress-free transfer process
  • We handle switches, start to finish
  • Investments remain safe & secure

Personalised Support

  • Get real help, available nationwide
  • No automated systems or waiting
  • Fast, responsive & reliable service

Our Client Portfolio Managers

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How to Get Started?

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Choose from pre- and post-retirement solutions, unit trusts, offshore options at your pace.

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Our experienced team will help match products and funds to meet your financial goals.

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