Home Page
Administrators of boutique retirement packages since 1992
Our Funds
Your retirement objectives can be met via membership of an umbrella provident fund, preservation provident/pension fund, retirement annuity or living annuity. Tracking your retirement objectives is done easily via a specially designed system that provides a full transaction history and calculates the performance of your money invested towards your retirement.
Umbrella Retirement FundUmbrella Pension Fund- Help your employees create real Wealth for their retirement
- Access to Institutional asset management fees, giving your investment a continual boost
Living Annuity Fund- Live off the wealth you have created with Multilect
- Access to Institutional asset management fees, giving your investment a continual boost
Umbrella Provident Fund- Help your employees create real Wealth for their retirement
- Access to Institutional asset management fees, giving your investment a continual boost
Preserver Pension Fund- Preserve your Wealth accumulated with your previous employers
- Access to Institutional asset management fees, giving your investment a continual boost
Preserver Provident Fund- Preserve your Wealth created with your previous employers
- Access to Institutional asset management fees, giving your investment a continual boost
Managed Annuity Fund- Live off the Wealth you have created using the Multilect Retirement annuity
- Access to Institutional asset management fees, giving your investment a continual boost
Retirement Annuity Fund- Tax efficient Wealth creator, the best way to boost retirement savings
- Recycling your SARS contribution refund to create a mountain of Wealth
- Access to Institutional asset management fees, giving your investment a continual boost
- An ideal way to save for those without company Pension or Provident funds
Umbrella Retirement Fund
Umbrella Retirement Fund
Umbrella Pension Fund
An Umbrella Pension Fund is a fund in which multiple, and unrelated employers, can join. As a collective investment scheme, umbrella pension funds offer employers, who lack the size to extract scale benefits from a stand-alone pension fund such as reduced fees.
Multilect Umbrella Pension Fund
Greater Investment Security
- The fund is controlled by an independent Board of Trustees who maintain the integrity of all administrative and financial controls and procedures.
- The Board of Trustees are neither associated nor employed by Multilect, offering you a greater degree of asset protection
- The fund is audited annually by an independent auditor. The audit is submitted to the Financial Services Board for scrutiny.
- Our company’s asset structure ensures that if our business suffers financial knocks or goes insolvent, your retirement fund assets are insulated and protected – your retirement fund assets are totally independent of Multilect’s shareholder assets.
- The Fund is insured against fidelity losses.
Greater Investment Freedom
- The Multilect Managed Annuity Fund offers investment portfolios that are managed by independent fund managers. We do not restrict your investments to any in-house portfolios, or portfolios where we have a vested interest.
- You therefore have the freedom to choose a personalised share investment portfolio.
- With Multilect, you choose where to invest your retirement income.
- Annuitants may elect to have annuity payments made in advance on a quarterly, yearly or half-yearly basis.
Easy Fund Exit and Entry
We don’t levy fund entry and exit costs and limited fund exit conditions are applied.
Click here to view documents related to this product.
Living Annuity Fund
With a Living Annuity, you can reinvest your retirement savings (including your retirement annuity, pension, provident or preservation funds) to provide a regular income upon retiring. A Living Annuity gives you the flexibility to choose your income each year, subject to regulatory limits, and to choose where your money will be invested. And, any remaining capital upon death passes to your nominated beneficiary.
Multilect Living Annuity Fund
Greater Investment Security
- The fund is controlled by an independent Board of Trustees who maintain the integrity of all administrative and financial controls and procedures.
- The Board of Trustees are neither associated nor employed by Multilect, offering you a greater degree of asset protection
- The fund is audited annually by an independent auditor. The audit is submitted to the Financial Services Board for scrutiny.
- Our company’s asset structure ensures that if our business suffers financial knocks or goes insolvent, your retirement fund assets are insulated and protected – your retirement fund assets are totally independent of Multilect’s shareholder assets.
- The Fund is insured against fidelity losses.
Greater Investment Freedom
- The Multilect Managed Annuity Fund offers investment portfolios that are managed by independent fund managers. We do not restrict your investments to any in-house portfolios, or portfolios where we have a vested interest.
- You therefore have the freedom to choose a personalised share investment portfolio.
- With Multilect, you choose where to invest your retirement income.
- Annuitants may elect to have annuity payments made in advance on a quarterly, yearly or half-yearly basis.
Easy Fund Exit and Entry
We don’t levy fund entry and exit costs and limited fund exit conditions are applied.
Click here to view documents related to this product.
Umbrella Provident Fund
For smaller employers who lack size to extract scale benefits from stand-alone funds, Multilect’s Umbrella Provident Fund, pools the retirement investments of multiple employers to reduce the average cost per member and also offer access to boutique investment options.
Multilect Umbrella Provident Fund
Greater Investment Security
- The fund is controlled by an independent Board of Trustees who maintain the integrity of all administrative and financial controls and procedures.
- The Board of Trustees are neither associated nor employed by Multilect, offering you a greater degree of asset protection
- The fund is audited annually by an independent auditor. The audit is submitted to the Financial Services Board for scrutiny.
- Our company’s asset structure ensures that if our business suffers financial knocks or goes insolvent, your retirement fund assets are insulated and protected – your retirement fund assets are totally independent of Multilect’s shareholder assets.
- The Fund is insured against fidelity losses.
Greater Investment Freedom
- The Umbrella Provident Fund offers investment portfolios that are managed by independent fund managers. We do not restrict your investments to any in-house portfolios, or portfolios where we have a vested interest.
- You therefore have the freedom to choose a personalised share investment portfolio.
- With Multilect, you choose where to invest your retirement income.
Easy Exit and Entry
We don’t levy fund entry and exit costs and limited fund exit conditions are applied.
Click here to view documents related to this product.
Preserver Pension Fund
Our preserver pension fund lets you keep growing your retirement savings when you change employers. Although you cannot continue contributing, you keep the tax benefits of your original fund and your investment return is not taxed.
Multilect Preserver Pension Fund
Greater Investment Security
- The fund is controlled by an independent Board of Trustees who maintain the integrity of all administrative and financial controls and procedures.
- The Board of Trustees are neither associated nor employed by Multilect, offering you a greater degree of asset protection
- The fund is audited annually by an independent auditor. The audit is submitted to the Financial Services Board for scrutiny.
- Our company’s asset structure ensures that if our business suffers financial knocks or goes insolvent, your retirement fund assets are insulated and protected – your retirement fund assets are totally independent of Multilect’s shareholder assets.
- The Fund is insured against fidelity losses.
Greater Investment Freedom
- The Preserver Pension Fund offers investment portfolios that are managed by independent fund managers. We do not restrict your investments to any in-house portfolios, or portfolios where we have a vested interest.
- You therefore have the freedom to choose a personalised share investment portfolio.
- With Multilect, you choose where to invest your retirement income.
Easy Exit and Entry
We don’t levy fund entry and exit costs and limited fund exit conditions are applied.
Click here to view documents related to this product.
Preserver Provident Fund
Our preserver provident fund lets you keep growing your retirement savings when you change employers. Although you cannot continue contributing, you keep the tax benefits of your original fund and your investment return is not taxed.
Multilect Preserver Provident Fund
Greater Investment Security
- The fund is controlled by an independent Board of Trustees who maintain the integrity of all administrative and financial controls and procedures.
- The Board of Trustees are neither associated nor employed by Multilect, offering you a greater degree of asset protection
- The fund is audited annually by an independent auditor. The audit is submitted to the Financial Services Board for scrutiny.
- Our company’s asset structure ensures that if our business suffers financial knocks or goes insolvent, your retirement fund assets are insulated and protected – your retirement fund assets are totally independent of Multilect’s shareholder assets.
- The Fund is insured against fidelity losses.
Greater Investment Freedom
- The Preserver Provident Fund offers investment portfolios that are managed by independent fund managers. We do not restrict your investments to any in-house portfolios, or portfolios where we have a vested interest.
- You therefore have the freedom to choose a personalised share investment portfolio.
- With Multilect, you choose where to invest your retirement income.
Easy Exit and Entry
We don’t levy fund entry and exit costs and limited fund exit conditions are applied.
Click here to view documents related to this product.
Managed Annuity Fund
With a managed annuity, often referred to as a living annuity, you can invest your retirement savings and draw an income. You choose how much income to draw, within the legal limits, and you can change your income amount or the frequency of your payments annually.
Multilect Managed Annuity Fund
Greater Investment Security
- The fund is controlled by an independent Board of Trustees who maintain the integrity of all administrative and financial controls and procedures.
- The Board of Trustees are neither associated nor employed by Multilect, offering you a greater degree of asset protection
- The fund is audited annually by an independent auditor. The audit is submitted to the Financial Services Board for scrutiny.
- Our company’s asset structure ensures that if our business suffers financial knocks or goes insolvent, your retirement fund assets are insulated and protected – your retirement fund assets are totally independent of Multilect’s shareholder assets.
- The Fund is insured against fidelity losses.
Greater Investment Freedom
- The Multilect Managed Annuity Fund offers investment portfolios that are managed by independent fund managers. We do not restrict your investments to any in-house portfolios, or portfolios where we have a vested interest.
- You therefore have the freedom to choose a personalised share investment portfolio.
- With Multilect, you choose where to invest your retirement income.
- Annuitants may elect to have annuity payments made in advance on a quarterly, yearly or half-yearly basis.
Easy Fund Exit and Entry
We don’t levy fund entry and exit costs and limited fund exit conditions are applied.
Click here to view documents related to this product.
Retirement Annuity Fund
A retirement annuity is a way of saving for your retirement. It offers you the opportunity to get a lump-sum pay-out on retirement and to reinvest a portion of your retirement saving for an annuity income. You can vary your contributions to meet your requirements.
Multilect Retirement Annuity Fund
Greater Investment Security
- The fund is controlled by an independent Board of Trustees who maintain the integrity of all administrative and financial controls and procedures.
- The Board of Trustees are neither associated nor employed by Multilect, offering you a greater degree of asset protection
- The fund is audited annually by an independent auditor. The audit is submitted to the Financial Services Board for scrutiny.
- Our company’s asset structure ensures that if our business suffers financial knocks or goes insolvent, your retirement fund assets are insulated and protected – your retirement fund assets are totally independent of Multilect’s shareholder assets.
- The Fund is insured against fidelity losses.
Greater Investment Freedom
- The Multilect Retirement Annuity Fund offers investment portfolios that are managed by independent fund managers. We do not restrict your investments to any in-house portfolios, or portfolios where we have a vested interest.
- You therefore have the freedom to choose a personalised share investment portfolio.
- With Multilect, you choose where to invest your retirement income.
- Annuitants may elect to have annuity payments made in advance on a quarterly, yearly or half-yearly basis.
Easy Exit and Entry
We don’t levy fund entry and exit costs and limited fund exit conditions are applied.
Click here to view documents related to this product.
What we offer
Multilect’s open investment architecture offers bespoke asset managers, independent financial planners, private investors, and employers customisable options for retirement investing.
We provide the administrative playground – you decide on the play.
Financial advisors
Do limited investment options restrict your or your clients’ choice? Can you easily change investment managers? Multilect priority is efficient administration. So, use our open investment architecture to create uniquely befitting investment strategies for your clients. Whether you need a multi-manager or CIS, a single investment portfolio or multiple investment portfolios, single funding or split funding, CIS or personal share portfolios, index funds or active funds, we create the administrative fit for your needs.
Company Retirement Funds and Employee Benefit Consultants
Whether you have a stand-alone fund, require an umbrella fund or wish to participate in a top-hat arrangement, Multilect provides you the administration platform plus an open investment architecture. Use bespoke solutions for members or groups of members. Provide different risk strategies on a single platform.
Private Investors
For the high net-worth investor who requires a specialized and personalized level of service, Multilect offers a boutique approach to managing your retirement wealth.
Asset managers
Open a new market – move into the retirement space using your boutique investment portfolios for your client’s retirement investment portfolio. Create a personalised share portfolio or segregated portfolios for individuals or groups. Your options are virtually unlimited.
Latest News
Latest trends
2019-07-24
Market Performance second quarter June 2019
The second quarter of 2019 saw positive returns globally. The JSE ALSI up 4.8% year to date and 3.9% for the second quarter preceding March 2019, also up 4.4% for the 12 months since June 2018.