Sygnia Retirement Annuity
Build for your future
Retire on your terms
Not on whatever's left over.
Most South Africans run out of money before they run out of life. Your Retirement Annuity shouldn't be a mystery — it should be a plan you can actually see growing. Open yours in minutes, straight from the Kastelo app.
Planning ahead shouldn't feel like a second job.
You don't need to start big — small, regular amounts can grow into something meaningful.
Stay consistent, be patient, and let time do the heavy lifting. Give your future self the powerful head start you deserve.
Tax benefits today
Contributions are tax-deductible (up to 27.5% of taxable income), and your money grows tax-free.
Total transparency
See exactly where your money is, what it's earning, and what fees you're paying — all in the app, all the time.
Protected from creditors
RA funds are creditor-proof. Your retirement savings can't be touched — even if life throws a curveball.
Flexible contributions
No fixed contributions. Start from R500, grow steadily, and adjust as your income changes.
Your Retirement Annuity is powered by Sygnia.
Sygnia is one of South Africa's leading investment managers, trusted by hundreds of thousands of investors for its low-cost, high-quality investment funds. When you open a Retirement Annuity through Kastelo, your investment is managed through Sygnia's established range of funds, giving you access to institutional-quality investing in a simple, easy-to-use experience.
The Retirement Annuity available through Kastelo is a Sygnia product. Sygnia is registered with the Financial Sector Conduct Authority (FSCA) under registration number 12/8/38101. The Retirement Annuity is governed by the Pension Funds Act and the Income Tax Act, with Sygnia appointed by the fund's trustees as the administrator.
Getting started takes minutes, not months.
Step 1: Open the app
Download Kastelo, verify your identity, and tap "Retirement Annuity." No paperwork, no branch visits.
Step 2: See our recommendation
We assess your risk profile and recommend a fund that suits your needs. Each Sygnia fund is explained in plain language — no guesswork required.
Step 3: Contribute your way
Set up a debit order or deposit when you can. Pause, increase, or adjust anytime — no penalties for life getting in the way.
It's a long-term investment designed to save for retirement in a tax-efficient manner. You put money away regularly (from R500), it's invested in professionally managed funds until at least age 55, and SARS rewards you along the way — your contributions reduce the tax you pay each year.
Regulation 28 is part of the South African Pension Funds Act, that protects retirement savings. It stops your retirement money from riding on one thing — it caps how much can go into riskier investments and makes sure your savings are spread across different types of investments.
Your money is invested in Regulation 28-compliant funds managed by Sygnia, one of South Africa's largest investment managers, selected to help you reach your retirement goals.
Contact us
We're just a message away. Got a question? Need help? Or just want to say hi? We'd love to hear from you.
The fastest way to reach our team is on WhatsApp.
