If you’re a South African government employee approaching retirement or thinking about resigning, you’ve likely been faced with one of the hardest decisions of your life:
Do I retire and accept what I’m given, or do I resign and take control?
Until now, it’s felt like a no-win situation.
Retirement offers structure and stability—but you lose control, visibility into fees, and your family may not inherit everything.
Resignation gives you control—but you carry all the risk, fear of market crashes, hidden fees, and emotional pressure.
So what’s the breakthrough?
For the first time ever, there’s a new investment solution created exclusively for South African government employees that combines the best of both worlds:
✅ The peace of mind of retirement
✅ The control and flexibility of resignation
Let’s unpack how this game-changing solution works—and why it could change the future of your finances forever.
Why “One-Size-Fits-All” Doesn’t Work
Most traditional investments are built for the private sector—not for people like you in the public service.
And that’s a problem. Why? Because the private sector doesn’t deal with things like:
- Approved funds
- One-third lump sum restrictions
- Complicated resignation vs. retirement tax consequences
This new solution is built around your needs—not those of the general public. It finally answers your biggest questions and removes the pressure to gamble with your future.
Key Feature #1: Exclusivity for Government Employees
This isn’t a retail product. It’s not for everyone.
It’s been designed with 15+ years of feedback, negotiations, and research—specifically for government employees.
If a product or advisor doesn’t mention that it’s exclusively for government employees, it’s likely not structured to deal with your unique pension challenges.
Key Feature #2: Built-In Guarantees
Traditional “unit trust” investments offer no guarantees.
You might hear, “Markets go up and down. Just ride it out.”
But if you’re sitting on R2 million, R5 million, or even R10 million, a 10% crash isn’t just paper loss—it’s hundreds of thousands of rands gone.
This new solution includes built-in capital guarantees, giving you the protection and confidence to stay invested long-term.
Key Feature #3: Clear, Inflation-Linked Targets
Traditional benchmarks are vague and often meaningless.
They might say, “Balanced Fund Category Average,” or “50% Equity, 25% Property, 25% International.” But what does that mean for you?
This solution is different.
It’s linked to inflation plus a target return—so you can plan for the real cost of living and know whether your money is truly growing.
If bread doubles in price, so should your return.
Key Feature #4: Long-Term Growth + Short-Term Safety
The markets don’t care about your emotions.
But as humans, we do.
We panic when we see losses. And most government employees end up pulling their funds out at the worst time because their portfolios weren’t structured with short-term safety in mind.
This solution changes that. It balances:
- Short-term protection (so you can sleep at night)
- Long-term growth (so your money works for you)
Key Feature #5: Reduced and Transparent Fees
Until now, most investment houses had no reason to reduce their costs for government employees.
Why? Because government resignations and retirements were too fragmented.
But now, with thousands of members choosing this solution, the fees have been negotiated lower, and some costs even removed completely.
As more government employees adopt this approach, the pricing power increases—putting money back in your pocket.
Bonus: Diversification Is Still Built In
Worried about “putting all your eggs in one basket”? Don’t be.
Even though this is a structured solution, the underlying investments are still diversified across local and international markets, equities, bonds, property, and cash.
You’re not locked into one stock or one fund.
You’re getting a professionally diversified portfolio—plus guarantees and control.
So… Should You Retire or Resign?
Here’s the truth:
You no longer have to choose.
You can now resign and gain full control, but without giving up the structure, security, and peace of mind that traditional retirement offers.
✅ Keep your tax efficiency
✅ Protect your income
✅ Ensure your spouse and children benefit fully
✅ Avoid unnecessary fees
✅ Access your funds in a way that suits your real needs
Final Thoughts
You’ve spent years working hard for your future. You deserve a solution that works just as hard for you—not one designed for someone else.
This new strategy isn’t theory. It’s available now.
And in upcoming content, we’ll show you exactly how to access it, compare providers using Fund Fact Sheets, and avoid the biggest mistakes made by other government employees.
🟨 Ready to Learn More?
Join our free online masterclass:
👉 www.retirevsresign.co.za
📌 Important Disclaimers:
Retirement Wellness SA (FSP 31609) is an authorized financial services provider. This content is not financial advice and is not produced by or on behalf of the Government Employees Pension Fund (GEPF).
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