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


Franco van der Westhuizen
Thanks a million - you guys are legends!
Hugo de Wet
Business Manager: Gijima
I have known Pieter Esterhuizen, the CEO of LUMENROCK, for more than 10 years. In this time he has been very involved in my business affairs. Pieter is always available to assist me whenever I need his advice. LUMENROCK is a trusted advisor. I trust and value their inputs when it comes to tax structuring or general business advice.
Kruger Human
Marakalalo Safaris Trust
On behalf of Marakalalo Safaris Trust, we want to thank LUMENROCK for the outstanding advice and services rendered to the business. We value the honesty, professionalism and very high ethical standards of the company, directors and staff. It is a pleasure and honour to be associated and to do business with LUMENROCK.



South African Rand

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