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''Knowledge is power. Information is liberating. Education is the premise of progress, in every society, in every family''
- Kofi Annan

Retirement fund membership is critical for any individual that is part of a workforce, no matter how small or big the workforce is. 


Why is this true?


  • Each member takes part in a long term strategy to establish a financial asset base that would provide the core of the member’s  capability to retire at a future date;

  • This strategy is implemented in a taxation friendly regime, which means that the South African government, through the Income Tax Act, provide for concessions to members who provide for retirement;

  • Services are normally more cost effective if it is purchased as part of a bigger group of employees.


As a member of a retirement fund, it is YOUR responsibility to become streetwise with regards to YOUR retirement funding project... YOU are the PROJECT MANAGER... Make it count!


YOUR SALARY ENDS AT RETIREMENT - FROM THAT POINT ONWARD, YOUR LIFE NEED TO BE FUNDED FROM YOUR OWN CAPITAL... Your retirement fund is normally the main source of income after retirement, therefore you need to understand the dynamics involved accumulating sufficient capital to fund your post-career life on a sustainable basis.


iRetire provides the tools that will enable you to FIRSTLY gain an understanding of your retirement funding project and

SECONDLY, to take up your responsibility as PROJECT MANAGER of your own strategy...


Postponing income while you work for when you are retired, is the core idea behind pension/provident funds. 


Below is a graph showing visually how one postpones money today to reap the benefits in the future.



For any questions or comments, please contact Pierre-Henri Gerber at:


Telephone:  (012) 941 9927 or


This website is protected by copyright and trademark laws under R.S.A and International law. All Rights Reserved © 2013 
Acravest (Pty) Ltd Reg No. 2005/013470/07  is an Approved Pension Fund Administrator under Section 13B of the Pension Funds Act (License Number 24/424) and is a registered Financial Services Provider (FSP 43176) The information and opinions contained in this document are recorded and expressed in good faith and is reliant on sources believed to be reliable. However, no representation, warranty, undertaking or guarantee of whatever nature is made or given concerning the accuracy and / or completeness of such information and/or the correctness of such opinions. Any investment is speculative and involves significant risks and in making any investment decision, you will rely solely on your own review and examination of the facts and the records relating to such investment. Past performance of the investment is not an indication of the future performance. Acravest shall have no liability of whatever nature in respect of any claim, damages, loss or expense arising out of or in connection with the reliance by you, on the contents of this document.