Guaranteed Return Plans
Secure your financial future with guaranteed return plans that provide certainty and peace of mind. Perfect for low-risk investors seeking stable, predictable returns over a 5-year investment term.
Capital Protection
Know exactly what your investment will be worth after five years with guaranteed capital protection and returns.
5-Year Structure
Structured 5-year investment term with guaranteed outcomes and the option to reinvest proceeds at maturity.
Tax Efficiency
Particularly tax-efficient for individuals with average tax rates of 30% or more, maximizing your returns.
What are Guaranteed Return Plans?
Guaranteed return plans provide either a guaranteed income for your investment or a guaranteed return on your lump-sum contribution at the end of a five-year term. This makes them ideal investments if you are looking for low risk and stability.
Perfect for Security-Focused Investing
When market volatility and uncertainty are concerns, guaranteed return plans offer the peace of mind that comes with knowing exactly what your investment outcomes will be.
Choose a Guaranteed Return Plan That's Right for You
Whatever your needs, we've designed a guaranteed return plan to best suit you. We offer two types: the Guaranteed Income Plan and the Guaranteed Growth Plan.
Guaranteed Income Plan
Receive guaranteed regular income for a five-year term through a voluntary annuity structure
Minimum Investment
R60,000
Key Features:
Income Growth Options:
Level income over 5 years
5% annual growth option
10% annual growth option
15% annual growth option
20% annual growth option
Guaranteed Growth Plan
Receive a guaranteed lump sum amount at the end of your five-year investment term
Minimum Investment
R60,000
Key Features:
Growth Benefits:
Features of Guaranteed Return Plans
Peace of Mind
Know exactly what your investment will be worth after five years with guaranteed returns and capital protection.
5-Year Commitment
Structured 5-year investment term with specific conditions for early access if needed before maturity.
Tax Efficiency
Particularly beneficial for individuals with average tax rates of 30% or more, offering tax-efficient growth.
Reinvestment Options
Flexibility to reinvest the proceeds of your investment at the end of the five-year term for continued growth.
Low Risk, High Security
Guaranteed return plans are designed for investors who prioritize capital protection and predictable outcomes over potentially higher but uncertain returns.
Capital Protection
100% Protected
Your initial investment is protected, ensuring you receive at least your original capital back at maturity.
Market Independence
Market Independent
Returns are guaranteed regardless of market conditions, providing stability during economic uncertainty.
Predictable Outcomes
Fully Predictable
Know your exact return or income from day one, enabling precise financial planning and budgeting.
Perfect for Security-Focused Investors
Guaranteed return plans are ideal for specific investor profiles who value certainty and capital protection over maximum growth potential.
Conservative Investors
Perfect for investors who prioritize capital preservation over high growth potential and prefer guaranteed outcomes.
Key Characteristics:
Pre-Retirees
Ideal for those approaching retirement who need predictable returns and income for financial planning.
Key Characteristics:
Short-term Savers
Suitable for specific 5-year financial goals where certainty is more important than maximum growth.
Key Characteristics:
Tax-Efficient Investment Structure
Guaranteed return plans are particularly tax-efficient for individuals who have an average tax rate of 30% or more.
30%+
Tax Rate Threshold
Particularly tax-efficient for individuals with average tax rates of 30% or more
Optimized
Tax Structure
Tax-efficient structure compared to traditional savings accounts and bank deposits
Enhanced
Growth Taxation
Favourable tax treatment on growth compared to direct investment alternatives
Empower Your Financial Decision-Making
Could you do with a little brushing-up on the fundamentals of investing well? Arm yourself with knowledge and tips to help you navigate the investment world.
Risk Management
Learn about capital preservation strategies and how to balance security with growth in your investment portfolio.
Return Calculations
Understand how guaranteed returns work and how to calculate the true value of capital protection in your portfolio.
Goal Planning
Discover how to align guaranteed return plans with specific financial goals and timelines for optimal results.
Why Choose SILA Financial Solutions as Your Discovery Investment Partner
With 10+ years as Discovery investment specialists, our team provides expert guidance across all Discovery investment products and financial planning solutions.
Personalized Investment Solutions
Our investment consultants' 10+ years of Discovery experience ensures tailored investment strategies for your unique financial goals and risk profile.
Discovery Investment Expertise
Comprehensive knowledge of Discovery's complete investment range including offshore investing, retirement solutions, flexible investments, and tax-efficient planning strategies.
Trusted Local Service
Personal investment consultation with national backing - local expertise combined with Discovery's institutional investment strength and proven track record.
Ongoing Optimization
Comprehensive ongoing portfolio management including regular investment reviews, performance monitoring, and proactive optimization of your investment strategy.
Authorized
Discovery Partner
Ready for Guaranteed Investment Security?
Experience the peace of mind that comes with guaranteed return plans. Perfect for conservative investors seeking capital protection and predictable outcomes over a structured 5-year term.
5+ Years
Investment Term
100%
Capital Protected
R60,000
Minimum Investment
Contact us for guaranteed return advice: