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Structured Investments and Annuities

Robust balance sheet and technical expertise that enables us to deliver and tailor solutions that meet clients' diverse needs and goals, whether short-term or long-term. Our focus is on supporting employers, trustees and retirement funds with pre and post-retirement solutions covering investment and annuity solutions that adapt to evolving goals, perform well in uncertain markets, and build trust through transparency. We balance capital growth, risk protection and sustainable income beyond retirement.

  • Provide standardised solutions that manage risk, provide protection and grow wealth.
  • Manage exposure to market volatility, to those seeking reliable income streams for pensioners.
  • Access to specialist capabilities, robust governance and proven methodologies.

Investment solutions

Build a resilient corporate portfolio with our market-leading investment strategies. We combine technical expertise with robust risk management to protect capital and deliver predictable long-term returns.

Smoothed bonus

Our smoothed bonus investement solutions are designed to deliver stable, long-term growth while protecting against market volatility. They are underpinned by a philosophy that prioritises consistent retruns and safeguards capital, offering peace of mind to investors.

Structured Investments capability

Bespoke structured investment solutions backed by our strong balance sheet. Our clients believe in our technical expertise and experience in customised solutions.


Annuity solutions

Secure long-term financial stability with tailored income solutions built for both businesses and individuals. We help corporates effectively de-risk balance sheets and manage post-retirement liabilities, while ensuring individual members transition seamlessly into a secure, sustainable retirement.

Corporates and Funds

Income solutions designed to derisk balance sheets and allow corporates to focus on core business

Our annuity solutions help corporates derisk balance sheets by transferring liabilities to Momentum through a tailor made solution that suits client diverse needs. Momentum has a proven track record of assisting corporates with Post-Retirement Medical Aid Liabilities and Defined Benefit Pension Fund Liabilities using the Momentum Group’s strong balance sheet. We free up the corporates management teams to focus on what they do best.

Individual

Income solutions designed to last a lifetime

Our annuity solutions help members transition smoothly from saving to receiving a sustainable income. We provide a range of options that balance security, flexibility and long-term value.






What sets us apart

  • Collaborative approach to solving financial needs of a Fund or Corporate.
  • Proven capital protection and risk management.
  • Smoothing, guaranteed income and liability-matching options.
  • Derisking of Pensioner Liabilities.
  • Customise across diverse client contexts.
  • Scale and experience.

Structured Investments & Annuities FAQs

It is the business unit that provides investment solutions and annuity products designed to help retirement funds manage risk, grow capital responsibly and deliver sustainable retirement income for members. It also provides customised structured investment or annuity solutions to help you manage and grow your business.
We offer a range of solutions, from capital-preservation to growth-focused portfolios, that help trustees balance returns, inflation protection and member outcomes. These solutions are structured to suit different risk profiles and fund strategies.
Members can choose from guaranteed annuities, with-profit annuities and hybrid options. Each is designed to provide stable, long-term income while managing key risks like longevity and inflation.
Our investment and annuity solutions are built for employers, trustees and retirement fund members who need dependable strategies for both accumulating and drawing down retirement benefits and for corporates who are looking to derisk their balance sheet to enable them to focus on their core business.
Our specialists assess your fund’s goals, risk appetite and member needs, and help you select a solution that aligns with your long-term strategy—whether you're focused on capital preservation, long-term growth or income stability.

Want a brochure?

Download the Structured Investment & Annuties brochure.

Other Momentum Corporate employee benefits

Momentum Consultants and Actuaries

As a trusted partner, we work closely with employers, funds, and institutions to create a flexible advice roadmap tailored to their pressures, goals, and needs.

Group Insurance

One of South Africa’s leading providers of insurance solutions, which evolves to meet the changing needs of our clients.

Momentum Retirement Administrators

We partner with funds, trustees, and employers to deliver tailored and efficient retirement administration.

Member Solutions

We educate and empower retirement fund members with tailored solutions.


FundsAtWork

Our award-winning FundsAtWork Umbrella Funds are a trusted choice for South Africa’s workforce. They offer comprehensive retirement, group insurance solutions and value-added services.

Dragonfly

A next-generation, technology-driven benefits platform that makes it easy for employers and members to access, buy, and manage their benefits.

Contact Structured Investments & Annuities

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