Same capital. Two different income strategies. Compare them side by side with your own numbers.
Enter one amount — see both options instantly
Not sure which one fits? Let's discuss your situation.
Request My Official Quote → or WhatsApp me now: 067 242 9946Some retirees need the highest possible monthly income right now. Others can accept slightly less per month in exchange for a 10% capital bonus after 5 years. Neither is "better" — the right choice depends on your income timing and whether you value cash flow today or long-term value.
Fixed returns for 5 years. Dividends taxed at 20% (not income tax). Not linked to stock markets. Zero broker fees. Your capital is returned at the end of the term. The only difference is how the value is delivered — monthly vs monthly plus a bonus at maturity.
Most of my clients choose the 12.8% Strategic Income option because the loyalty bonus adds significant long-term value — especially for those reinvesting into a second 5-year term. But for retirees who need every rand of income right now, the 14.2% is the right structure.
The calculator shows the numbers — but the right choice also depends on your tax position, other income sources, estate plan, and long-term goals. Let's have a structured conversation before you commit.
This comparison is for illustrative purposes only. All returns shown are net of 20% dividends withholding tax. The loyalty bonus for Strategic Income is paid at the end of the 5-year term subject to the investment remaining in place. Actual returns may vary. Please consult with a qualified financial adviser before making any investment decisions.