Finally, investment products you can understand.

Track your retirement savings, grow wealth tax-free, and invest with confidence. All in one platform that actually makes sense.

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Retire on your terms

Retirement annuities

Planning for retirement doesn't need to be complicated. The Hayrick Retirement Annuity gives you a tax-efficient way to save for your future while giving you full visibility and control online.

A screen showing a retirement annuity menu along with an elderly couple sitting on a bench

What is it?

Your personal retirement builder. You put money in regularly, we invest it smartly, and you pay less tax while growing your retirement savings.

Got scattered pensions or old RAs sitting around? Bring them home to Hayrick. We make consolidating as easy as it should be.

How it works

You make monthly or once-off contributions. We match your money to investments that fit your goals and risk tolerance. Check your progress anytime through the app—no calling or waiting to access your documents.

Your employer can contribute too, giving your retirement savings an extra boost beyond what you're putting in.

Why RA's?

Instant tax relief
Pay less tax (deductible up to 27.5% of income or R350,000—whichever is lower.
Long-term growth
‍Investments grow tax-free until retirement.
Retirement security
A reliable way to build the income you'll need later.
Easy transfers
‍Move your existing pension or retirement savings without the paperwork.

Why Hayrick?

Sign up digitally in minutes.
See exactly what you're paying—no hidden fees.
Investments tailored to your goals.
Everything you need, right in the app.
Your money managed by reputable investment managers.

Growth is tax-free

Tax-free savings

A Tax-Free Savings Account (TFSA) is one of the smartest ways to grow your wealth over time. It’s flexible, efficient, and entirely free from tax on interest, dividends, or capital gains.

Application forms

Minor TFSA

Self-traded TFSA

A woman smiling while reviewing her future value estimates. A UI snippet shows current value along with estimated future value over time.

With a Hayrick TFSA, you get two ways to invest:

1. Self-traded TFSA
‍Build your own portfolio by choosing from a selection of approved ETFs (Exchange-Traded Funds): ‍

JSE-listed local trackers
Global index funds for offshore exposure

2. Managed TFSA
Pick from 5 professionally managed portfolios, each designed for different goals and risk appetites. We handle the monitoring and rebalancing—you watch your money grow.

Why open a TFSA?

While your upfront contributions are not tax-deductible, every cent of growth is yours to keep. No income tax, no capital gains tax, no dividend tax.

It’s ideal for:

Anyone building long-term wealth
First-time investors getting started
Smart savers maximising their tax-free allowance

Limits you should know

As of now:

You can contribute up to R46,000 per year
The lifetime contribution limit is R500,000

You can withdraw at any time, but re-contributions count toward your annual limit. Go over the limit and SARS may apply penalties — so it’s worth keeping track.

Why Hayrick?

Local and offshore exposure through selected ETF’s
Managed options tailored to your needs
Clean, simple account setup
Fully digital onboarding
Award-winning trading front-end via DMA Trader Go

Savings with a purpose

Managed investments

Whether you’re saving for a home, your child’s education, or a dream holiday, our expert portfolio management and smart tools help you invest locally and globally while staying focused on what matters most.

Two parents smiling while reading with their daughter. A UI snippet shows yearly and total contributions along with options to top up or withdraw.

What is it?

Let our professional investment team actively manage your portfolio for you. Access local and global markets like the pros.

How it works

Tell us what you're saving for, how much risk feels right, and when you'll need the money. We'll match you with a portfolio that fits, managed by professionals who live and breathe investing. Choose to invest in Rands or go global with foreign currency.

Why managed investments?

Professional guidance
Avoid the uncertainty of going it alone.
Global diversification
Spread your risk across markets and currencies you can't easily access alone.
Aligned to your goals
Whether you're growing wealth, earning income, or balancing both.

Why Hayrick?

Local and international markets, one simple platform
Your portfolio gets regular reviews and rebalancing
See exactly how your money is performing with full transparency
Onboard instantly through the app, start investing in minutes

Employees first

Group retirement plan

Meaningful retirement savings with full visibility and control, turning your benefits into your competitive advantage.

UI of the employee portal and a woman smiling

What is it?

‍Think of it as individual retirement savings with the power of group buying. Your employees get their own retirement accounts, funded through simple payroll deductions. It's personal retirement planning made easy for everyone on your team.‍

2. Managed TFSA
Pick from 5 professionally managed portfolios, each designed for different goals and risk appetites. We handle the monitoring and rebalancing—you watch your money grow.

How does it work?

Set up takes minutes through our employer dashboard. Your team joins digitally, picks their investment approach, and we handle the rest. Payroll integration is automatic, and you can pull reports whenever you need them.

It’s ideal for:

Anyone building long-term wealth
First-time investors getting started
Smart savers maximising their tax-free allowance

Why group pensions?

Everyone wins on tax:Your company gets deductions, youremployees cut their tax bills
Keep your best people:Great benefits attract great talent—and keep them around Stress-freecompliance: Wehandle the regulatory requirements to meet fund legislation standards

Why Hayrick?

Full payroll integration
Dashboards for both you and your employees
No admin burden for your HR team
Handholding through onboarding setup

Simple products, transparent fees, and real control.

Schedule a Demo