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Sygnia Umbrella Retirement Fund

Business unusual.

R14.8bn

Funds managed

Custom retirement plans designed for your business growth.

57 300+

Members strong

Helping South Africans invest for a comfortable retirement.

700+

Companies trust us

You can focus on your business while we handle the rest.

Get the Sygnia SURF experience for your team.

Smart customization

Unlike traditional default portfolios, we create personalized investment strategies for your employees based on their needs and risk profile, adjustable whenever their circumstances evolve.

Low fees

Our portfolios are built using our pioneering index-tracking funds instead of conventional unit trusts, meaning most employees pay less than 0.7% in management fees.

Seamless integration

Our technology integrates with your existing HR and payroll systems, offering a user-friendly dashboard for efficient administration and smooth employee onboarding.

A first in South Africa.

We pioneered in-fund preservation and annuitisation before it became law. Members keep their SURF benefits after leaving or retiring, maintaining lower institutional fees instead of more costly retail rates.

Smart tools

Our platforms create a seamless experience and eliminates the hassle that can make retirement planning so overwhelming.

Superlative customer service

Our clients all agree. The SURF team is expert, responsive and always ready to assist with even the most complex client queries. That’s why we consistently top client satisfaction surveys.

Magda Wierzycka

“Today’s business challenges are vast and complex – they require bold solutions that look beyond the obvious towards the extraordinary. That’s where you will find us.”

Independent Consultant, Pension Fund Partners

“Best administration in the industry.”

Kirsty G, Bay Union Employee Benefits

“Simple and easy to understand systems. The staff are very professional and assist us when we have queries.”

Melanie W, Integrity Financial Services

“Sygnia’s products and service are excellent. The employees are friendly and very professional. Your cost structure is the best in the industry.”

Paul K, FFG

“Great responsiveness. Innovation. Excellent communication.”

Zainoodeen B, Cadiant Partners Consultants And Actuaries

Listen to clients, aim to please, flexible and accommodating.”

You talk – we listen.

Hear what our clients have to say about their experiences with SURF.

For consultants

We partner with consultants to deliver exceptional service to our mutual clients. If you’re interested in working with us, our team would be delighted to connect with you.

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Call us

Call us on 086 000 0156
Monday – Friday, 8am – 5pm.

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Send us a message

Contact our support centre and we’ll get back to you as soon as possible. During business hours, we generally respond within 48 hours.

Institutions