AS Brokers – Amethyst Living Annuity Calculator
Estimate your monthly retirement income from a living annuity.
Understanding the Results Above
The figures shown illustrate how the Amethyst Living Annuity behaves based on the inputs you selected.
In simple terms:
- The investment earns a fixed net return of 10.2% per year
- Returns are not linked to market movements
- If your income drawdown stays below the return, capital is preserved
- A 9% capital bonus is added to the original investment after five years
- No platform or advice fees are deducted when arranged through AS Brokers
- Income figures shown are after estimated tax, based on current SARS tables
This calculator demonstrates structure and mechanics, not predictions.
Who Typically Considers the Amethyst Living Annuity
This type of living annuity is generally considered by retirees or pre-retirees who:
- Want predictable, stable retirement income
- Prefer certainty over market volatility
- Do not want ongoing fund switching or performance monitoring
- Already have other investments elsewhere
- Are reviewing alternatives to a traditional market-linked living annuity
- Value simplicity and transparency in retirement planning
It is often used as part of a broader retirement income strategy, not necessarily as a standalone solution.
High-Level Tax Context (Important)
Tax is payable only on the income drawn, not on the remaining capital.
What matters in practice:
- Income drawn is taxed according to your personal tax position
- Capital not drawn continues to earn the fixed return inside the annuity
- Actual tax outcomes depend on your other income sources and structure
The calculator includes an estimated tax impact to support planning — final outcomes must be assessed holistically.
When This Option Makes Sense
The Amethyst Living Annuity is typically considered when:
- Income certainty is more important than chasing higher returns
- Capital preservation is a priority
- Market volatility causes stress or uncertainty
- Simplicity and predictability are preferred in retirement
This is a design choice, not a performance trade-off.
Next Steps
If you would like:
- A formal Amethyst Living Annuity quotation
- Help transferring from an existing living annuity
- Guidance on how this fits into your broader retirement and estate plan
The next step is a structured discussion.
The calculator explains how it works.
A conversation determines whether it's appropriate.