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We’ve rebuilt the traditional retirement annuity

South Africa’s first SIPP RA — a retirement annuity that lets you invest directly in the market using pre-tax money. Same tax benefits as any approved retirement fund. Far greater control, transparency, and flexibility.

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What is a SIPP RA?

A SIPP RA lets you choose and manage your own investments. With Prospr, you can:

  • Buy shares and ETFs directly inside your retirement annuity
  • Or invest in a range of best-in-class unit trusts

Your portfolio, built your way

You’re not limited to pre-packaged portfolios — you decide how your money is invested. Full freedom within Regulation 28. Built around you.

What you pay

Simple, transparent pricing

We believe in full transparency — so you always know what you’re paying, and why.

01Admin & platform fee

% of investment

Charged monthly. Decreases as your balance grows — down to 0.25% combined p.a. Recouped through lower fund management fees.

02Investment costs

Depends on what you choose

ETFs → management fees. Unit trusts → TERs. Default portfolios → underlying fund costs.

03Trading costs

0.35% per share or ETF trade

Unit trusts are free.

04Other costs

May apply in specific cases

E.g. transfers and withdrawals. Always disclosed upfront.

By account type

One fee structure. Three account types.

Most Popular

SIPP RA

  • Administration0.20% p.a.
  • Platform fee
    First R350k0.55%
    Next R450k0.30%
    Next R200k0.15%
    Above R1m0.05%
  • Trades
    Shares & ETFs0.35% per trade
    Unit trust switchesFree

10% off fees via employer or adviser onboarding

Join the Waitlist

TFSA

  • Administration0.20% p.a.
  • Platform fee: shares & ETFsNo fee
  • Platform fee: unit trusts
    First R350k0.55%
    Next R450k0.30%
    Next R200k0.15%
    Above R1m0.05%
  • Trades
    Shares & ETFs0.35% per trade
    Unit trust switchesFree

10% off fees via employer or adviser onboarding

Join the Waitlist

Onshore Discretionary

  • Administration0.20% p.a.
  • Platform fee: shares & ETFsNo fee
  • Platform fee: unit trusts
    First R350k0.55%
    Next R450k0.30%
    Next R200k0.15%
    Above R1m0.05%
  • Trades
    Shares & ETFs0.35% per trade
    Unit trust switchesFree

10% off fees via employer or adviser onboarding

Join the Waitlist

Your retirement. Your rules.

Start investing with full control, full visibility, and zero guesswork.

Join the Waitlist