The Endless Summer

We have created an entirely new wave of retirement savings solutions. A wave of solutions perfectly shaped to serve all your needs – before and after you retire.

Welcome to the Sygnia Umbrella Retirement Fund. Welcome to SURF.


SURF is a revolutionary umbrella fund that offers leading-edge benefit design, clear and transparent pricing and sophisticated technology-driven administration to deliver the most innovative retirement savings solution in South Africa.

Pioneering benefit structure

In a first for the South African retirement funds industry, SURF offers both in-fund preservation and in-fund annuitisation. Now members can seamlessly retain their SURF membership on resignation or retirement and continue to benefit from institutional rather than retail investment fees. As a default, members are offered a unique SURF-For-Life Annuity on retirement, which combines the income security of a with-profit annuity with the flexibility of a living annuity. We were voted Imbasa Yegolide Asset Manager of the year for 2016.

Superior investment performance

SURF offers a range of top-performing multi-manager and index-tracking investment portfolios, and two default life-stage models. According to the Alexander Forbes Multi-Manager Watch Survey, our flagship balanced portfolio range performed top of its class over 3 and 5 years and has considerably outperformed the comparable peer group life-stage portfolios.

One all-in participation fee

Unlike most of our competitors SURF charges a single all-in-one participation fee equivalent to typical umbrella fund investment fees. We charge no administration fees and no consulting fees.

This means that in many instances SURF is more than 50% less expensive than its closest competitor. In order to determine the fees that apply to your participation in SURF please consult our SURF Fee Disclosure.

Read more about the Sygnia Umbrella Retirement Fund.
Ready to get a personalised quote? Get in touch today.

David Hufton

David Hufton

Icon_Phone +27(0) 21 446 2465

Icon_Email dhufton@sygnia.co.za

David Hufton

Duane Naicker

Icon_Phone +27(0) 21 446 4961

Icon_Email dnaicker@sygnia.co.za