Retirement
16 articles tagged “Retirement”
Shariah Compliant Retirement Annuity Tax Deduction (2026): The R430,000 Rule
Contributions to a Shariah-compliant retirement annuity are deductible under section 11F at 27.5% of income, capped at R430,000 for 2026/27. The saving worked in rand at four salary levels, with the funds that qualify.
Zakat on Retirement Annuities and Pension Funds in South Africa (2026)
South African fatwa bodies split retirement savings in two: no zakat on a compulsory employer fund until payout, zakat every year on a voluntary RA. The rulings, the dissent, two-pot, and the nisab on 6 October 2026.
Switch Your Retirement Annuity to a Shariah Fund (2026): Section 14 Transfers
Moving an existing conventional RA into a Shariah-compliant one is a section 14 transfer under the Pension Funds Act. The steps, the two-pot rules, the costs the receiving funds publish, and the traps in old policies.
Shariah TFSA vs Retirement Annuity (2026): Which Halal Tax Break to Fund First
South Africa gives halal investors two tax wrappers: a tax-free savings account at R46 000 a year and a retirement annuity deductible up to 27.5% of income. Which to fill first depends on your marginal rate and horizon.
Pension vs Provident vs Retirement Annuity for Muslims in South Africa (2026)
Pension funds, provident funds and retirement annuities share the same tax deduction and two-pot rules but differ on access, annuitisation and where you can find a Shariah portfolio. A guide for Muslim savers.
Section 37C and Islamic Inheritance (2026): Who Gets Your Retirement Fund
In South Africa your retirement fund death benefit bypasses your will and your faraid shares. Section 37C of the Pension Funds Act gives trustees the decision. What Muslim members can do about it.
Halal Retirement in South Africa (2026): Four Providers, One Big Gap
Shariah retirement annuities, preservation funds, umbrella options and two compliant living annuities all exist in South Africa. A halal guaranteed annuity does not. The complete verified landscape.
Regulation 28 for Halal Investors: What the Law Lets Your Retirement Money Do
Regulation 28 caps equities at 75%, property at 25% and offshore at 45%, and applies to halal funds exactly as to conventional ones. What the double constraint means for Muslim retirement savers, in plain language.
The Two-Pot Retirement System for Muslims: Same Rules, Sharper Choices
Since September 2024, a third of new retirement contributions sits in an accessible savings pot. The rules are identical for Shariah funds. The temptations and the planning opportunities are not.
Changing Jobs Without Breaking Compliance: Halal Preservation Funds Explained
The moment you leave a job, your retirement benefits face three doors: cash out, default into a conventional preservation fund, or preserve compliantly. Only one keeps both your compounding and your compliance intact.
Retiring Halal: The Two Compliant Annuities and the Guarantee That Does Not Exist
By law, most retirement benefits must buy an annuity. Conventional annuities run on interest. South Africa offers exactly two compliant answers, Oasis and 27four, and no halal guaranteed income at any price.
Oasis Crescent Retirement Annuity Review (2026): The Purist's Choice, Priced
The only SA retirement annuity where the wrapper, administrator, manager and scholars are all Shariah-native, from R500 a month. What the end-to-end certification buys, and what the closed menu and form-based fees cost.
Alexforbes Shariah Portfolios Review (2026): Compliance as a Payroll Checkbox
SA's largest retirement administrator runs a proper multi-asset Shariah range, local and global equity, sukuk, property, inside the umbrella funds where millions already save. It also publishes no scholar names at all.
Your Employer Pension Is Probably Haram. Here Is How to Fix It From Inside
Most South African Muslims' biggest asset is an employer retirement fund invested conventionally by default. Two verified routes fix it without changing jobs: an Alexforbes Shariah election or the 27four Umbrella Fund.
Sygnia Islamic Balanced Fund Review (2026): The Low-Cost Halal RA, Examined
An AAOIFI-screened balanced fund running since 2010, inside one of SA's cheapest RA platforms, from R500 a month, with Camissa and 27four funds on the same menu. The catch is governance you cannot see.
Shariah Retirement Annuities Compared: Oasis vs 27four vs Sygnia
Three genuinely different ways to run a halal RA: the pioneer's certified full stack, the multi-manager's diversification, and the low-cost platform. The comparison that decides it, on evidence.