URGENT ALERT: Please beware of fraudulent Telegram and Whatsapp groups pretending to be affiliated with Sygnia and Sygnia staff members. Do not engage with these malicious and fraudulent groups in any way. Please direct all queries to admin@sfs.sygnia.co.za.

Business unusual.

The Sygnia Umbrella Retirement Fund (SURF) is South Africa’s most innovative and cost-effective retirement savings solution. It offers leading benefit design, transparent pricing and sophisticated, technology-driven administration, all at the most competitive fees in South Africa.

A first in South Africa.

We were the first umbrella fund in the country to offer both in-fund preservation and in-fund annuitisation – ahead of the default regulations being legislated. Now members can seamlessly retain their membership in SURF on resignation or retirement and continue to benefit from institutional rather than retail investment fees. The result? More money with which to enjoy retirement.


Our online SURF portals empower employees to save for retirement and understand the difference between a pension fund, provident fund and retirement annuity fund.


Sygnia's independent employee benefits consultants help you take care of your people and employ the best-practice investment, preservation and retirement strategies.


Learn more about partnering with our experienced team of employee benefits consultants. We'll help you create the ideal retirement plan for your business.

Focus on what matters

The online platforms are critical to encouraging good member behaviour and efficient administration. We've built our entire online experience around clean design and straightforward tools. Our platforms create a seamless experience and eliminates the hassle that can make retirement planning so overwhelming. 

Lessen your load

Our experienced team of employee benefit professionals is your partner for a better tomorrow. We're here to guide you, offering expertise and support every step of the way – from plan-design review and recommendations to a swift and intuitive induction process that works for you.

Jump on board

R14.8 Billion under management

SURF works with you to design the right retirement plan for your business. We're here to help you grow.

More than 57 379 SURF members

SURF helps members invest for, and live comfortably in, retirement.

Over 700 participating companies

SURF means you can relax breathe easy and focus on running your business.

Ready to SURF?

We'll help you create the ideal retirement plan for your business.


Need help? We are here.

Call us today

Call us on 021 446 2440
Monday–Friday, 8am–5pm.

Call now

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.

Email us