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BENEFITS
Interest and capital are paid directly into your bank account, ensuring no delays.

• Register your details with the National Treasury
• Apply (select a bond and maturity)
• Pay

BENEFITS

Suitable

The RSA Retail Savings Bonds have been tailor-made to help you take control of your own investment decisions:

You can choose the investment product that suits your personal needs (Fixed Rate or Inflation Linked Retail Savings Bonds)

You can choose how to buy your RSA Retail Savings Bond (electronically, from the National Treasury or from any branch of the South African Post Office)

You can choose when to buy your RSA Retail Savings Bond

You can choose your method of payment - cash, bank guaranteed cheque or credit/debit card

You can choose to be paid your interest or reinvest it at the same rate

Safety

Retail Bonds are the smartest way to save . Your money is invested with the South African Government, meaning the capital amount invested is guaranteed.

Interest and capital is paid electronically into your bank account, which is a very safe way of investing.

No Charges, Commission Or Costs

There are no charges, commission or costs when you invest in RSA Retail Savings Bonds. This means no unnecessary fees eat into your investment.

Guaranteed Returns

You will earn a market-related interest rate in any Retail Bond you invest in.

For the Fixed Rate Retail Savings Bonds, the interest is guaranteed and will not be affected by any adverse effects in the bond market.

For Inflation Linked Retail Savings Bonds, your investment is protected against inflation over the term of your investment.

No Risk

As RSA Retail Savings Bonds can’t be used as collateral for any loan, your investment remains safe. RSA Retail Savings Bonds cannot be sold in the market, ensuring that you are not exposed to market risk. If you choose to reinvest your interest, you will have no reinvestment risk.

Convenience

RSA Retail Savings Bonds are easily accessible and you can apply for and buy the bonds through a number of convenient channels

Affordability

Retail Savings Bonds are very affordable, requiring a minimum of only R1 000 (one thousand Rand) to purchase a bond. Your investment portfolio may be increased at any time by buying more Retail Bonds. However, your total investment portfolio is subject to the maximum of R5 000 000 (five million Rand). There are no fees, commissions or charges payable when buying these bonds, making them even more attractive. Each Retail Savings Bond will be repaid on the relevant maturity date.

Accessibility

If you have an urgent need for cash, you may make an early withdrawal after 12 months, subject to payment of a penalty.