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Tax-free Investments

The affordable way to reach your financial goals.

From as little as R250 per month, Sanlam Tax-free Investments provide an easy effective way to save for your long-term goals, without having to pay tax on interest, dividends or capital gains. Other distinguishing features include:

  • The ability to withdraw money at any time
  • Contributions up to a maximum of R30 000 per year
  • Lifetime contribution limit of R500 000

Speak to a financial adviser today to find out more about Sanlam Tax-free Investments and get expert advice to help you achieve complete financial independence. If you prefer to manage your own investments and do your own financial planning, you’ll be happy to know that we offer this product online for your convenience.

How it Works

How do tax-free
savings accounts work?

View FAQ

View the Frequently
Asked Questions.

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From R250 per month.

How Do Tax-free Savings Accounts Work?

No tax on investment returns

The investment return earned on a tax-free savings account is not taxed. The longer you invest, the higher the investment return on your investment and the bigger the tax saving you get. Tax-free savings accounts offer different investment options to suit your objectives and risk profile.

 

Illustrative Values

Example

The example is based on a maximum monthly payment of R2 500 for 16 years and 8 months, when the lifetime limit of R500 000 is reached. It assumes an investment in a balanced fund with a return of inflation plus 4% per year before fees, and a personal tax rate of 40%. These values are not guaranteed and are for illustrative purposes only.

Tax saving: R495 100
This is the tax saving on your investment return in a tax-free savings account.

Investment Return: R1 063 500
This is the investment return a plan would have earned if the investment return was taxed.

Payments: R500 000
These are the total payments made into a tax-free savings account.

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