• Register your details with the National Treasury
• Apply (select a bond and maturity)
The RSA Retail Savings Bonds have been tailor-made to help you take control of your own investment decisions:
RSA Retail Savings 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.
There are no charges, commission or costs when you invest in RSA Retail Savings Bonds. This means no unnecessary fees eat into your investment.
You will earn a market-related interest rate in any RSA Retail Savings Bond you invest in.
For the Fixed Rate RSA Retail Savings Bonds, the interest is guaranteed and will not be affected by any adverse effects in the bond market.
For Inflation Linked RSA Retail Savings Bonds, your investment is protected against inflation over the term of your investment.
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.
RSA Retail Savings Bonds are easily accessible and you can apply for and buy the bonds through a number of convenient channels
RSA Retail Savings Bonds are very affordable
The minimum amount that can be invested in any of the RSA Retail Savings Bonds are as follows:
• Fixed Rate RSA Retail Savings Bonds – R1000 (one thousand rands)
• Inflation Linked RSA Retail Savings Bonds - R1000 (one thousand rands)
• RSA Retail Savings Top Up Bonds - R500 (five hundred rands) opening amount and Top Up amount R100 (one hundred rands)
There are no fees, commissions or charges payable when buying these bonds, making them even more attractive. Each RSA Retail Savings Bond will be repaid on the relevant maturity date.
If you have an urgent need for cash, you may make an early withdrawal after 12 months, subject to payment of a penalty.
On the Fixed Rate RSA Retail Savings Bonds you may choose to restart your investment after 12 months at the prevailing rate.
On the RSA Retail Savings Top Up Bond you may switch to the Fixed Rate or Inflation Linked RSA Retail Savings Bonds once your capital reaches a minimum of R1000.