South Africa’s First Self-Invested Personal Pension (SIPP) RA
Enjoy the tax advantages of a Retirement Annuity while investing directly in shares, ETFs and unit trusts.
Also available as a Tax-Free Savings Account (TFSA) and Onshore Discretionary.
One platform for your financial future.
Retirement, tax-free savings and direct share investing — together in one account.
Watch: how Prospr works
2 min overview
Retirement investing, rewritten.
What is a SIPP RA?
A SIPP RA is a flexible retirement account that lets you choose your own investments — from unit trusts to individual shares and ETFs — instead of being limited to a handful of pre-selected funds.
Why it Changes Everything
A SIPP RA combines the tax advantages of a traditional retirement annuity — including tax-deductible contributions and tax-free growth — with far greater flexibility and transparency.
Invest directly in the market, build a portfolio that reflects your own convictions, and always know exactly where your money is invested.
No black boxes. No guesswork. Just control.
One Platform. Three Account Types.
SIPP RA
Retirement investing with tax-deductible contributions, tax-free growth and complete visibility over your investments.
Join the WaitlistTFSA
Grow your wealth free from tax on interest, dividends and capital gains, within annual and lifetime contribution limits.
Join the WaitlistOnshore Discretionary
Invest without contribution restrictions and access your money whenever you need it.
Join the WaitlistManage all three through a single Prospr account.
See the Power of the Right Investment Wrapper
The same investment. The same return. A very different outcome.
Retirement Accounts and Tax-Free Savings Accounts offer powerful tax advantages that can significantly increase long-term wealth accumulation compared to investing outside a tax-efficient wrapper.
Three Easy Ways to Fund Your Account
Lump Sum Contribution
Start strong with a once-off investment or transfer existing savings.
Monthly Debit Order
Build momentum with consistent, automated contributions.
Transfer an Existing RA
Transfer your existing RA to Prospr tax-free and penalty-free.
SIPP RA contributions may qualify for tax deductions, while TFSAs offer tax-free growth and withdrawals. Subject to SARS rules and limits.
Why Investors Choose Prospr
Tax Efficiency
Make the most of the tax advantages available through Retirement Accounts and Tax-Free Savings Accounts.
Freedom of Choice
Invest in assets that match your goals, not someone else's template.
Competitive Fees
Built to strip out unnecessary costs, so more of your wealth stays yours.
Portability
Switch jobs or advisers without starting over. Your portfolio comes with you.
Our Service Providers
Your Future. Your Terms.
Track contributions, performance and tax in real time. One login. The full picture.
Whether you’re investing through a SIPP RA, TFSA or Onshore Discretionary, everything is available in one place.
Open your SIPP RA, TFSA or Onshore Discretionary in minutes.
Join the Waitlist