Everest Wealth Products | Which Income Structure Fits Your Retirement? | AS Brokers

Which Everest Product Fits Your Retirement?

Four investment options. One question: what does your money need to do for you? Use this guide to find the right structure — then run the numbers with your own calculator.

✓ Everest Wealth FSP 795 ✓ Fixed Returns ✓ Not Market-Linked ✓ Zero Broker Fees

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Answer two questions to find the right product:

1. What type of money are you investing?
→ Voluntary capital (savings, sale proceeds, cash) — see the three income and growth options below
→ Compulsory retirement money (pension, provident, preservation, RA) — scroll to the Amethyst Living Annuity
2. What do you need from this investment?
→ Monthly income now — 12.8% Strategic Income (recommended) or 14.2% Onyx Income+
→ Capital growth, no income — 14.5% Strategic Growth
→ Not sure how much to allocate? — use the Income Goal Calculator below
Voluntary Capital — Income Options
Most Popular
12.8% Strategic Income
Fixed 12.8% p.a. + 10% Loyalty Bonus at Year 5
Predictable monthly income with long-term value. Best for investors who can accept slightly lower monthly income in exchange for a capital bonus at maturity.
Fixed 12.8% per year for 5 years
Monthly dividend income
Dividends taxed at flat 20% (not income tax)
10% loyalty bonus on capital after 5 years
Capital returned at maturity
Zero broker fees — 100% invested
Calculate My 12.8% Income →
14.2% Onyx Income+
Fixed 14.2% p.a. — Maximum Income Now
Highest monthly income from day one. Best for retirees who need every rand of cash flow now and don't want to wait for a bonus.
Fixed 14.2% per year for 5 years
Monthly dividend income from day one
Dividends taxed at flat 20%
No loyalty bonus (trade-off for higher rate)
Broad private-sector diversification
Zero broker fees
Calculate My 14.2% Income →
⚖ Compare 12.8% vs 14.2% Side by Side See monthly income, 5-year totals, and the loyalty bonus impact with your own numbers
Voluntary Capital — Growth Option
14.5% Strategic Growth
Compound Growth — No Monthly Income
For capital you don't need income from. Returns compound at 14.5% for 5 years and are paid at maturity. Ideal for surplus capital after income needs are covered.
Fixed 14.5% compound growth per year
No monthly withdrawals — returns accumulate
Dividends taxed at 20% on growth at maturity
Capital committed for full 5-year term
Zero broker fees
Calculate 5-Year Growth →
Compulsory Retirement Money
For Pension / RA Money
Amethyst Living Annuity
Structured Returns — Tax-Sheltered Growth
A living annuity for pension, provident, preservation, or retirement annuity funds. Structured returns instead of market-linked volatility. Growth inside the annuity is tax-free.
Structured net return profile (10.2% p.a.)
Drawdown flexibility: 2.5% – 17.5%
No tax on growth inside the annuity
Tax only on income drawn (marginal rate)
9% capital bonus after 5 years
Inflation protection benefit included
Zero broker fees
Calculate My Annuity Income →

Planning Tools

Use these calculators to plan before you commit

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Income Goal Calculator
Enter the monthly income you want — see exactly how much capital is needed to produce it. Essential for separating income capital from growth capital.
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12.8% vs 14.2% Comparison
Compare monthly income, 5-year totals, and the loyalty bonus impact side by side with one investment amount.
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Not Sure Which One Fits?

Most clients don't know which product is right until we've discussed their full picture — income needs, tax position, estate plan, and time horizon. That's what I'm here for. The calculators give you clarity. A conversation gives you confidence.

Let's Have That Conversation → or WhatsApp: 067 242 9946

Understanding Everest Wealth

Unlisted shares are investments in companies or holding structures not traded on public exchanges like the JSE. They are not repriced daily, not driven by market sentiment, and operate on fixed contractual terms — usually five years. Returns are paid as dividends rather than interest, which is central to both stability and tax efficiency.
Because Everest products are not listed on any exchange, they are not repriced when markets react to headlines, interest rate changes, or geopolitical events. Your returns are fixed for the contract term. This means stable, predictable income without the emotional rollercoaster of public markets.
For voluntary investments (12.8%, 14.2%, and 14.5%), returns are paid as dividends and taxed at a flat 20% withholding tax — not at your marginal income tax rate. For the Amethyst Living Annuity (compulsory money), growth inside the annuity is tax-free, and tax applies only to income drawn at your marginal rate. Both structures offer significant tax advantages over traditional interest-bearing investments.
Everest Wealth Management (Pty) Ltd is a South African alternative investment and wealth management business (FSP 795 — Category I, II & IIA), established in 2002. They focus on private (unlisted) investment opportunities structured for individuals, trusts, and companies. Certain portfolios reference assets under management of approximately R1.5 billion.
I am authorised under FAIS to advise and provide intermediary services on shares, including unlisted share-based investments, under the relevant FAIS product sub-category (the FSCA "1.8 shares" authority). This allows me to structure and advise on these investments properly and compliantly, with full consideration of income needs, tax treatment, and estate planning.
✓ AS Brokers FSP 17273
✓ FSCA 1.8 Shares Authority
✓ 25+ Years Experience
✓ Zero Broker Fees

Everest Wealth Management (Pty) Ltd is an authorised Financial Services Provider (FSP 795). AS Brokers (FSP 17273) acts as an independent intermediary. All returns shown are based on current product terms and are not guaranteed. Past performance is not indicative of future results. These investments involve unlisted shares with limited liquidity during the investment term. Please consult with a qualified financial adviser before making any investment decisions.