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!
JB van der Westhuizen
Chairman: Various Companies
The Van Der Westhuizen Group of Companies has been associated with LUMENROCK (as well as previously with KSE & Associates and Mr Pieter Esterhuizen in his personal capacity) as our auditors for almost a decade. Their services have been of an extremely high professional standard and we are proud to be associated with the group. Their availability and friendly assistance have been immaculate.
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...



South African Rand

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