Investments

Creating long-term wealth with assured investments and sound advice.

Assured Investments

Aluma has a variety of Assured investment options to help you decide which plan and fund are best suited for your investment goals and risk appetite.

Retirement Annuity

Aluma’s retirement annuity is an investment option that helps you save towards your ideal retirement and financial independence. It offers significant tax advantages to encourage saving, and you can invest a lump sum or make regular contributions.

Endowment Plan

Aluma’s endowment is an investment plan that helps you save over the medium to long term. This investment offers estate benefits and a tax-efficient structure and can be tailor-made to your investment goals and risk appetite.

Living Annuity

Annuity plans are designed to give you a regular income throughout your retirement.  The amount you receive depends on the type of plan you chose and your applicable tax rate.

Fixed Annuity

Aluma’s Fixed Annuity gives you peace of mind from knowing that you’ll receive an income for the rest of your life, and exactly what that income will be. This is a good investment for clients who are interested in premium protection on their income and have a low-risk appetite.

Preservation Plan

Keep your retirement savings invested if you’re leaving your employer as a result of resignation, dismissal, retrenchment, or if your pension or provident fund is wound up.


Unit Trust

Aluma’s Unit Trust can meet all of your investment goals. Whether you’re investing for long-term objectives, or you simply want to park your savings for a short-term.

Tax-Free Investment

Tax-free investments are a great way to improve your finances. They are also uncomplicated. As opposed to unit trusts, in a tax-free investment, your investment returns are exempt from local income tax.

Digitally Convenient

We’ve equipped you to remain in full control of your investments with our client portal and dashboard. However, this doesn’t mean that you’ll be making the journey on your own.

Digitally Convenient

We’ve equipped you to remain in full control of your investments with our client portal and dashboard. However, this doesn’t mean that you’ll be making the journey on your own.

Aluma Model Portfolios

The Aluma Wealth-Builder, Wealth-Stabiliser and Wealth-Protector are suitable for retirement fund members in the accumulation, transitioning and wealth preservation phase of their investment goals.

Wealth Stabiliser

The Aluma Wealth-Stabiliser is suitable for retirement fund members transitioning from the accumulation phase to the preservation phase of a goals-based investment strategy. The portfolio has a moderate allocation to growth assets.

Wealth Builder

The Aluma Wealth-Builder is suitable for retirement fund members in the accumulation phase of a goals-based investment strategy. The portfolio has a high allocation to growth assets

Wealth Protector

The Aluma Wealth-Protector is suitable for retirement fund members in the wealth preservation phase of their investment goals. These members would have a short-term investment horizon allowing for a high allocation to interest-bearing assets and low allocation to growth assets.

Skilled Advisors

Our advanced technology goes hand-in-hand with a human touch, our skilled advisors. Which gives you an unparalleled investment advantage because Aluma advisors use the same systems as our online tools in order to offer consistent, high-quality advice.
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