Pension Preservation Plans
Protect your retirement savings when leaving employment with Discovery's preserver plans. Keep your pension and provident fund investments growing tax-free until retirement with professional fund management.
Tax-Free Growth
Keep your retirement savings growing tax-free until retirement age, preserving the value of your pension fund.
Investment Growth
Access professional fund management and continued growth potential with attractive investment rewards.
Global Exposure
Get significant offshore exposure through Cogence global portfolios, offering extensive international diversification.
What is a Preserver Plan?
A preserver plan is an investment designed to keep your retirement savings invested if you're leaving your employer as a result of resignation, dismissal, or retrenchment, or if your pension or provident fund is wound up. With these plans you preserve your pension or provident fund savings from your previous employer until you retire.
Stay Invested to Protect Your Savings
Our Preserver Plans ensure your retirement savings continue growing through professional fund management, tax-efficient structures, and access to global investment opportunities until you reach retirement age.
When You Need Pension Preservation
Preserver plans are essential when employment changes threaten your retirement savings. Protect your financial future in these common scenarios.
Job Resignation
Leaving your current employer voluntarily to pursue new opportunities while preserving your retirement benefits
Employment Dismissal
Involuntary termination from employment while ensuring your pension savings remain protected and growing
Retrenchment
Company downsizing or restructuring that requires preservation of accumulated retirement benefits
Fund Wind-Up
When your pension or provident fund is wound up, protecting your savings through preservation
Features of a Preserver Plan
Tax-Free Growth
Your investment growth is tax-free and can be deductible from your taxable income
Retirement Age Access
You cannot withdraw your savings until retirement age, which means that you preserve your savings for retirement
Additional Contributions
You can make extra contributions to your investment to boost your retirement savings
Professional Management
Access to regulatory-compliant retirement investments with professional fund management
Investment Accessibility
Our Preserver Plans offer accessible investment requirements designed to ensure meaningful retirement preservation for investors at different career stages.
Younger Investors
Competitive Rates
Competitive minimum investment amounts for investors starting their preservation journey
Accessible entry points designed for early career professionals
Experienced Investors
Competitive Rates
Higher minimum amounts reflecting typical pension fund values for seasoned professionals
Tailored for substantial preservation requirements
Contact us for current minimum investment requirements - our advisors will provide the latest information tailored to your specific needs.
We Make Healthy Investment and Lifestyle Choices Even More Rewarding
Our Preserver Plans are designed to help you create financial independence in retirement by rewarding you with boosts and fee discounts for taking proactive steps to manage your money and health.
Investment Boost Rewards
Boost Available
Get attractive boosts to your initial investment by investing early and making healthy choices
Enhanced Global Exposure
Global Access
Invest your boost offshore in Cogence risk- profiled global portfolios advised by BlackRock
Retirement Flexibility
Full Flexibility
At retirement, enjoy flexible options with your boost - take it in cash, invest it in your retirement plan, or continue offshore investing
Cogence Global Portfolio Options
Cogence Global Cautious Portfolio
Cogence Global Balanced Portfolio
Cogence Global Growth Portfolio
Unique Advantage: This is the only retirement solution on the market where you can get extensive exposure to offshore markets.
Enjoy a Wide Choice of Funds to Invest In
Your plan is a collection of funds. Once you have chosen your investment plan, you can decide which funds to invest your money into. Your decision should align with an investment strategy that you and your financial adviser agree on, and the investment goals you have.
We offer you access to a range of unit trust funds across various investment managers through a single-entry point. This means you can invest in our investment plans and choose investment funds that are managed by leading investment managers.
Key Investment Benefits
Educational Content to Help with Decision Making
Is saving for retirement a blip on your radar, or is it a worry that keeps you up at night? Either way, when you understand how relevant saving for retirement is, you'll be enabled to make the right decisions, and reap the peace of mind that it brings.
Getting Started
Tips to help you put your retirement plan into action
Staying on Course
Behaviours that'll get you to a comfortable retirement
Tasting Success
I'm retiring soon - what are my options now?
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 to Preserve Your Pension?
Don't let employment changes jeopardize your retirement savings. Our pension preservation specialists will help you maintain tax-free growth and access global investment opportunities until retirement.
Tax-Free
Growth Until Retirement
Global
Investment Access
Professional
Fund Management
Contact us for pension preservation advice: