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Graduates Retirement

Secure a comfortable retirement by saving over the long term.

As a graduate with at least a three-year degree or four-year diploma, you want to be able to maintain the lifestyle you’ve become accustomed to when you retire. The key to achieving this is to start saving as early as you can and to stay committed to saving. This will enable you to grow your money over time so that you can enjoy a comfortable retirement.

Contact us to get advice.

Cumulus Echo Retirement Annuity

Get a bonus payment if you stay committed to saving.

We know saving for your retirement requires a lot of discipline and commitment, especially when you’re young and retirement seems such a long way off. With the Cumulus Echo Retirement Annuity, we help you stay motivated by giving you a bonus payment with your retirement savings if you stick to your savings plan. Remember: it’s never too early to start saving and every little bit counts.

What is the Echo Bonus?

The Echo Bonus is an additional amount of money that we will add to your retirement savings when you retire. The longer you invest and the higher your payments, the bigger your Echo Bonus will be.

How it works

  • You make a one-off payment or regular payments until you retire (you can choose when you want to retire)
  • The money gets invested in the underlying investments you choose in collaboration with your financial planner
  • Your money can grow over time based on how your investments perform
  • When you retire, you can take up to one third of your retirement savings in cash. The rest must be used to provide you with a regular monthly income or pension.

Benefits

  • Low minimum payments – You can save from as little as R200 per month
  • Bonus payment to boost your savings – We will give you an additional amount, called an Echo Bonus, when you retire
  • Motivation and rewards for long-term saving – The longer you invest, the bigger your Echo Bonus will be
  • Protecting your money as you near retirement - While we will focus on maximising growth on your money when you are young, we will move your money to more stable funds as you near retirement to protect your savings

Download the Cumulus Echo Retirement Annuity brochure

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