We help you select the right solution to save and invest for your future, taking into consideration everything from your risk appetite (low risk or high) to the term you want to invest for. The first step is to decide how cautious or bold you want to be with your money.

Low-risk investments

Low risk

Choosing a low-risk investment is a cautious route that could benefit you if you are a first-time investor looking to see how various markets or products work, and what benefit you get out of your investment.

  • Savings plans

    A great way to save for a specific goal, savings plans have different features — such as tiered interest rates or easy access to your money — to suit your specific needs.

    TargetSave
    • Opening deposit of R100
    • Tiered interest rate that increases as your money grows
    • Earn bonus interest if you save for longer than the six-month term
    • Access your money with 32 days’ notice

    Apply now

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    Islamic TargetSave
    • Opening deposit of R100
    • Compliant with Shari’ah law
    • No service or administration fees
    • Access to your money with 32 days’ notice


    Apply now

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    FuturePlan
    • Opening deposit of R100
    • Tiered interest rates — the more you save, the more interest you earn
    • Many people can save towards your child’s education with one account
    • No bank charges or admin fees

    Apply now

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    Notice Select
    • Opening deposit of R1 000
    • Make additional deposits at any time
    • Invest for at least seven days
    • No monthly administration fees
    • You select your own notice period to access your money
       

    Apply now

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  • Tax-free accounts

    Invest in a specially designed tax-free savings product so that you can get the most benefit from your annual tax-free allowance.

    Tax Free Savings Account
    • Opening deposit of R1 000
    • Tiered interest rates
    • Don’t pay tax on your returns
    • Save up to R33 000 per year tax free
    • Immediate access to your money

    Apply now

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    Tax Free Investment Account
    • Opening deposit of R10 000
    • Don’t pay tax on your returns
    • Save up to R33 000 per year tax free
    • Invests in unit trusts, exchange traded funds and wrap portfolios

    Apply now

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  • Term deposit

    Ideal if you want higher investment returns, but don’t need immediate access to your money.

    Dynamic Fixed Deposit
    • Opening deposit of R1 000
    • Opening deposit for upfront interest R100 000.01
    • No monthly administration fees
    • Choice of either a fixed interest rate for guaranteed returns or an interest rate linked to prime
    • Immediate access to your interest upfront or access to up to 50% of your investment
    • Ideal if you want higher investment returns with or without immediate access to a portion of your money

    Apply now

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    Bonus Deposit
    • Opening deposit of R1 000
    • Fixed interest rate, but earn bonus interest of up to 2% if the prime interest rate rises during your investment period
    • Funds are available on 32 days’ notice
    • Able to use your investment to secure an overdraft

    Apply now

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    Islamic Term Deposit
    • Opening deposit of R1 000
    • Shari’ah-compliant
    • No monthly fees
    • Pensioners with specific balances qualify for additional profit share

    Apply now

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    Fixed Deposit
    • Opening deposit of R1 000
    • Fixed interest rate for your investment term
    • Choose an investment term that suits you
    • Able to use the account to secure a loan or overdraft

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  • Unit trusts

    Diversify your investment portfolio with unit trusts — which give you reach into a wide range of investment markets, both locally and offshore.

    Virtual Investor

    You can use the self-service tool to find the right investment product to suit your risk profile and investment needs.

    Find the right investment

    Absa Money Market Fund
    • Opening deposit of R100 000
    • No monthly administration fees
    • Immediate access to your money
    • No fixed investment period

    Apply now

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    Absa Income Enhancer Fund
    • Opening deposit of R2 000
    • Aims to provide a reasonable level of current income and capital stability
    • 48 hours’ notice to access your money
    • No fixed investment period

    Apply now

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  • Easy access

    An ideal way to save, but still have access to your money immediately if you need it for an emergency.

    Cash Invest Tracker
    • Capital guaranteed
    • Tracking top 5 money market funds
    • Immediate access to your money
    • Opening deposit R2 500 000

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    Investor Plus
    • Minimum investment of R250 000
    • 24 hours’ notice to access your money
    • No monthly management fee

    Apply now

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    Depositor Plus
    • Opening deposit of R15 000
    • The more you save, the more interest you will earn
    • Immediate access to your money

    Apply now

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    Dynamic Fixed Deposit
    • Opening deposit of R1 000
    • No monthly administration fees
    • Choice of either a fixed interest rate for guaranteed returns or an interest rate linked to prime
    • Immediate access to a portion of your investment

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    TruSave
    • Opening deposit of R50
    • Add to your savings when you are able
    • No monthly administration fees
    • Immediate access to your money

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  • Share trading and investing

    A low-cost alternative to actively managed funds, ETFs track the performance of specific sectors, indices or assets.

    Absa Stockbrokers and Portfolio Management
    • Invest and trade in equities and exchange traded funds locally and offshore in over 20 exchanges
    • No minimum amount to start — debit orders from a minimum of R250
    • With over R250 000 to invest, a portfolio manager can help you
    • Invest in a tax-free savings account, for local and offshore exposure
    • No age limit

    Apply now

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Low- to medium-risk investments

Low risk

Opening up a few more investment options, low- to medium-risk investments offer you exposure to offshore unit trusts and exchange-traded funds.

  • Unit trusts

    Diversify your investment portfolio with unit trusts — which give you reach into a wide range of investment markets, both locally and offshore.

    Virtual Investor

    You can use the self-service tool to find the right investment product to suit your risk profile and investment needs.

    Find the right investment

    Absa Bond Fund
    • Opening deposit of R2 000
    • Aims to achieve capital and income growth
    • Medium- to long-term investment (two years and more)
    • Access to your money with minimum 48 hours’ notice

    Apply now

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    Absa Inflation Beater
    • Opening deposit of R1 000
    • Possibility of an investment income
    • Medium- to long-term investment (three years and more)
    • Access to your money with minimum 48 hours’ notice

    Apply now

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    Absa Multi Managed Bond Fund
    • Opening deposit of R2 000
    • Aims to provide you with an income
    • Medium- to long-term investment
    • Access to your money with minimum 48 hours’ notice

    Apply now

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    Absa Smart Alpha Income Fund
    • Opening deposit of R2 000
    • Aims to provide a reasonable level of current income and capital stability
    • Short-term investment (six months or more)
    • Access to your money with minimum 48 hours’ notice

    Apply now

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    Absa Multi Managed Preserver Fund of Funds
    • Opening deposit of R2 000
    • Actively managed fund with multiple asset managers
    • Medium- to long-term investment (three years or more)
    • Strong focus on capital protection, which reduces investment risk in volatile markets

    Apply now

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    Absa Multi Managed Income Fund
    • Opening deposit of R2 000
    • Actively managed fund
    • Medium- to long-term investment
    • The ability to invest offshore offers additional opportunities for yield enhancements

    Apply now

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    Absa Flexible Income Fund
    • Opening deposit of R2 000
    • Low- to medium-risk investment
    • Ideal for short- to medium-term investments
    • Seeks optimal income with income stability

    Apply now

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    Absa Core Income Fund
    • Opening deposit of R2 000
    • Invest R200 per month
    • Higher level of income than money market unit trust funds
    • Minimum 48 hours’ notice to access your money

    Apply now

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    Absa Inflation Linked Income Fund
    • Opening deposit of R2 000
    • Invest R200 per month
    • Real return above inflation (CPI)
    • Minimum 48 hours’ notice to access your money

    Apply now

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    Absa Absolute Fund
    • Opening deposit of R2 000
    • Aims to provide you with an investment income
    • Medium- to long-term investment (three years and more)
    • Access to your money with minimum 48 hours’ notice

    Apply now

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  • International and offshore unit trusts

    Explore our investment products

    Offshore investment in foreign markets has higher potential for income — but also faces currency risk.

    Absa Euro Income Fund
    • Opening deposit of R2 000
    • Foreign income from euro-denominated, interest-bearing securities
    • Variable investment term
    • Access to your money with minimum 48 hours’ notice

    Apply now

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    Absa Pound Sterling Income Fund
    • Opening deposit of R2 000
    • Foreign income from British pound-denominated, interest-bearing securities
    • Variable investment term
    • Access to your money with minimum 48 hours’ notice

    Apply now

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    Absa US Dollar Income Fund
    • Opening deposit of R2 000
    • Foreign income from US dollar-denominated, interest-bearing securities
    • Variable investment term
    • Access to your money with minimum 48 hours’ notice

    Apply now

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  • Retirement

    Most people don’t save enough for retirement. Whether you want to top up, or save from scratch, there’s a retirement investment product to suit you.

    Core Retirement Annuity
    • Minimum investment of R10 000
    • Lower than industry average fees
    • Portfolio based on life stage — risk reduces as you reach retirement age
    • Affordable way to top up current pension or provident fund

    Apply now

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    Living Annuity
    • Minimum investment of R50 000
    • Monthly income from re-invested retirement savings

    Apply now

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    Preservation Fund
    • Minimum investment of R25 000
    • A way to preserve your retirement savings when you move from one employer to another

    Apply now

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    Retirement Annuity
    • Minimum investment of R10 000
    • Top up your current pension fund
    • A great retirement option if you are self-employed

    Apply now

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  • Share trading and investing

    The versatility of the stock market allows you to invest with various strategies and risk appetites.
    You can choose between low-, medium- and high-risk investment options.

    Absa Stockbrokers and Portfolio Management
    • Invest and trade in equities and exchange traded funds locally and offshore in over 20 exchanges
    • No minimum amount to start — debit orders from a minimum of R250
    • With over R250 000 to invest, a portfolio manager can help you
    • Invest in a tax-free savings account, for local and offshore exposure
    • No age limit

    Apply now

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Medium-risk investments

Low risk

Investing in higher-risk markets over a longer term means more risk is involved in investing — but the return is generally better than lower-risk investments.

  • Unit trusts

    Diversify your investment portfolio with unit trusts — which give you reach into a wide range of investment markets, both locally and offshore.

    Virtual Investor

    You can use the self-service tool to find the right investment product to suit your risk profile and investment needs.

    Find the right investment

    Absa Multi Managed Accumulation Fund of Funds
    • Opening deposit of R2 000
    • Managed by multiple asset managers
    • Medium- to long-term investment (three years or more)
    • Provides investors with exposure to SA and international markets

    Apply now

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    Absa Wealth Preserver Plus Fund
    • Opening deposit of R2 000
    • Focus on protecting your capital
    • Medium-term investment

    Apply now

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    Absa Tactical Income Fund 
    • Opening deposit of R2 000
    • Invest R200 per month
    • Focus on maximised returns and capital preservation

    Apply now

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    Absa Balanced Fund
    • Opening deposit of R2 000
    • Aims to provide a monthly income
    • Medium- to long-term investment
    • Strong focus on capital preservation

    Apply now

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  • Share trading and investing

    The versatility of the stock market allows you to invest with various strategies and risk appetites.
    You can choose between low-, medium- and high-risk investment options.

    Absa Stockbrokers and Portfolio Management
    • Invest and trade in equities and exchange traded funds locally and offshore in over 20 exchanges
    • No minimum amount to start — debit orders from a minimum of R250
    • With over R250 000 to invest, a portfolio manager can help you
    • Invest in a tax-free savings account, for local and offshore exposure
    • No age limit

    Apply now

    Tell me more

Medium- to high-risk investments

Low risk

Ideal for investors who are looking for higher returns, but don’t want to tolerate long periods of high-risk investing.

  • Unit trusts

    Diversify your investment portfolio with unit trusts — which give you reach into a wide range of investment markets, both locally and offshore.

    Virtual Investor

    You can use the self-service tool to find the right investment product to suit your risk profile and investment needs.

    Find the right investment

    Absa Multi Managed Growth Fund of Funds
    • Opening deposit of R2 000
    • Aims to protect your capital
    • Medium- to long-term investment (three years or more)
    • Provides investors with exposure to SA and international markets

    Apply now

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    Absa Property Equity Fund
    • Opening deposit of R2 000
    • Aims to grow your capital
    • Long-term investment (three years or more)
    • Exposure to the JSE-listed property market

    Apply now

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    Absa Global Multi Asset Feeder Fund
    • Opening deposit of R2 000
    • Invest R200 per month
    • Aims to provide sustainable level of income
    • Minimum 48 hours’ notice to access your money

    Apply now

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    Absa Smart Alpha Defensive Fund
    • Opening deposit of R2 000
    • Aims to protect your capital
    • Long-term investment (five years or more)
    • Aims to provide consistent positive returns above inflation

    Apply now

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    Absa Smart Alpha Property Fund
    • Opening deposit of R2 000
    • Aims to grow your capital
    • Long-term investment (three years or more)
    • Exposure to the JSE-listed property sector

    Apply now

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    Absa Prudential Fund of Funds
    • Opening deposit of R2 000
    • Aims to protect and grow your capital
    • Long-term investment (three years or more)
    • Provides diversified exposure by investing across all asset classes

    Apply now

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    Absa Managed Fund
    • Opening deposit of R2 000
    • Aims to give you above-inflation returns
    • Medium- to long-term investment (three years or more)
    • Aims to maximise capital growth and income over the long term

    Apply now

    Tell me more

  • Share trading and investing

    The versatility of the stock market allows you to invest with various strategies and risk appetites.
    You can choose between low-, medium- and high-risk investment options.

    Absa Stockbrokers and Portfolio Management
    • Invest and trade in equities and exchange traded funds locally and offshore in over 20 exchanges
    • No minimum amount to start — debit orders from a minimum of R250
    • With over R250 000 to invest, a portfolio manager can help you
    • Invest in a tax-free savings account, for local and offshore exposure
    • No age limit

    Apply now

    Tell me more

High-risk investments

Low risk

Ideal for more experienced investors who are looking to achieve high returns, and can tolerate a high level of investment risk.

  • Unit trusts

    Diversify your investment portfolio with unit trusts — which give you reach into a wide range of investment markets, both locally and offshore.

    Virtual Investor

    You can use the self-service tool to find the right investment product to suit your risk profile and investment needs.

    Find the right investment

    Absa Africa Equity Feeder Fund
    • Opening deposit of R2 000
    • Aims to grow your capital
    • Long-term investment (five years or more)
    • The fund provides exposure to a range of developing African countries

    Apply now

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    Absa Prime Equity Fund
    • Opening deposit of R2 000
    • Aims to grow your capital
    • Long-term investment (five years or more)
    • The fund invests in large capitalisation shares from the FTSE/JSE Top40 Index

    Apply now

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    Absa Select Equity
    • Opening deposit of R2 000
    • Capital growth and income
    • Long-term investment (five years or more)
    • The fund invests in selected South African-listed equities with the aim to provide long-term growth

    Apply now

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    Absa Smart Alpha Equity Fund
    • Opening deposit of R2 000
    • Aims to grow your capital
    • Long-term investment (five years or more)
    • A general equity domestic fund that invests in JSE-listed equities

    Apply now

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    Absa SA Core Equity Fund
    • Opening deposit of R2 000
    • Aims to grow your capital
    • Long-term investment (five years or more)
    • The fund aims to provide competitive risk adjusted returns

    Apply now

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  • Offshore unit trusts

    A low-cost alternative to actively managed funds, exchange-traded funds track the performance of specific sectors, indices or assets.

    Absa Global Core Equity Feeder Fund
    • Opening deposit of R2 000
    • Aims to grow your capital
    • Long-term investment (five years or more)
    • Provides investors diversification through offshore investments

    Apply now

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    Absa Global Value Feeder Fund
    • Opening deposit of R2 000
    • Aims to grow your capital
    • Long-term investment (five years or more)
    • Aims to provide long-term capital growth through international exposure

    Apply now

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    Absa Global Property Feeder Fund
    • Opening deposit of R2 000
    • Invest R200 per month
    • Aims to provide a total return through investment in equity securities of property companies worldwide
    • Minimum 48 hours’ notice to access your money

    Apply now

    Tell me more

  • Share trading and investing

    The versatility of the stock market allows you to invest with various strategies and risk appetites.
    You can choose between low-, medium- and high-risk investment options.

    Absa Stockbrokers and Portfolio Management
    • Invest and trade in equities and exchange traded funds locally and offshore in over 20 exchanges
    • No minimum amount to start — debit orders from a minimum of R250
    • With over R250 000 to invest, a portfolio manager can help you
    • Invest in a tax-free savings account, for local and offshore exposure
    • No age limit

    Apply now

    Tell me more

You can also get an overview of all our products here:

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