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If you're in the 36% tax bracket, every rand you contribute to a retirement annuity reduces your tax bill by 36 cents. On R2,000/month that's up to R720 back per month - a total reduction of R8640 on your annual tax return. And unlike most RA providers, Fynbos charges a flat R100/month, not a percentage of what you invest. The only RA in South Africa that works this way. Get your RA and everything else Fynbos offers for R100/month. *Based on a 36% marginal tax rate. Your tax reduction will differ depending on your tax bracket. Fynbos is a licensed representative (FSP 51852).