Retirement Provision

"Compound interest is the eighth wonder of the world. He who understands it, earns it... he who doesn't, pays it." - Albert Einstein


Time is one of the most important components in wealth creation, especially in retirement provision. The power of compound interest is only realised over the long term.

At LUMENROCK we encourage the use of retirement annuities or pension / provident funds as effective financial and tax planning tools. By structuring your retirement portfolio in one of a host of new generation unit trust based products, we can assist you in achieving inflation beating returns that will leave you smiling when retirement come around.

Through our association with leading pension fund administrators, we are able to offer you the best of breed investment funds, tailored to your personal risk tolerance profile.

The Pension Fund Act makes provision for approved products to enjoy certain tax consessions and protection against creditors. In return, investors are limited in terms of options at retirement, thus ensuring provision is made for income after retirement. We offer the following products to help you make use of the advantages provided for in the act.

Retirement annuities

Umbrella pension funds

Pension and Provident preservation funds

Upon reaching retirement, a minimum of 2/3rds of the proceeds of approved products, as discussed above, must be placed in one of the following annuities, ensuring sustainable income provision after retirement.

Traditional annuities

Investment linked life annuities


Chris Roodt
Chris Roodt
I am the Managing Director of various legal entities; varying from agriculture to residential and business developments. For the past six years Pieter Esterhuizen has been involved with all, baring one, legal entity. I have always received excellent service from Pieter and I am impressed with his personal knowledge of all spheres of business, as well as his professional and speedy response to quer...
Willie Esterhuizen
Relationship Executive: Commercial / Absa Retail a
Absa Bank has been associated with LUMENROCK (and previously KSE & Associates) for many years. We are very proud and privileged to be the bankers of a professional group like LUMENROCK – that really adds value to all their customers’ financial affairs. Pieter Esterhuizen has always demonstrated the highest levels of integrity and it is a real pleasure dealing with each and every one at LUM...
Nasiegh Humdaly
Ignus Kempen served on the Southern Region Council whilst Pieter Esterhuizen was in his first term 2010/2011 on SAICA’s Southern Region Council. They achieved this by virtue of the fact that they were chairman of SAICA’s Southern Cape District association representing the interests of all the CA’s (SA) resident in the Southern Cape area.



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Tel : +27(0) 86 187 3255
Fax: +27(0) 86 509 4151