What Makes the SuperFund Different

Your contributions are invested in unit trusts that pass both qualitative and quantitative Shariah screening tests. The fund is overseen by a dedicated Shariah team and undergoes a rigorous purification process to ensure every investment remains compliant. You can save for retirement with complete confidence.

Employer and Employee Contributions Working Together

The fund is jointly funded — you contribute between 2% and 15% of your monthly salary, and your employer matches or exceeds that contribution. This means your retirement savings benefit from two income streams from day one.

Proven Long-Term Growth

The OM Albaraka Balanced Fund — the flagship investment option within SuperFund — has consistently outperformed its Shariah benchmark across 1, 2, 3, and 5-year periods. Your savings are invested with one of South Africa's leading asset managers, with over 180 years of experience and R1.3 trillion in funds under management.

Two Pot System Ready

The fund is fully aligned with South Africa's Two Pot retirement system, giving members access to structured withdrawal options without jeopardising long-term retirement security.

Award-Winning Governance

SuperFund is led by an independent management board and was the first umbrella fund introduced to the South African market. It maintains a Level 1 B-BBEE status and a 204% SAM solvency ratio — among the strongest in the industry.

Seamless Digital Access

Members can check balances, update beneficiaries, track claims, run retirement calculators, and submit claims digitally. Your retirement fund is in your hands, 24/7.

Financial Wellbeing Support

Members benefit from ongoing financial education sessions, member guides in multiple languages, retirement benefit counselling beginning up to 10 years before retirement, and access to a dedicated support centre.

Transparent Costs. No Surprises.

The SuperFund is structured to be cost-effective while delivering institutional-grade service and investment management. All fees are disclosed upfront and structured to give you clarity on exactly what you pay and what you receive in return. Your Wealth Advisor will walk you through the full cost breakdown and ensure the structure is optimised for your business and your team.

Getting Started is Simple

Setting up the SuperFund for your employees takes three straightforward steps:

Step 1 — Speak to a Wealth Advisor

Book a consultation with one of our qualified wealth planners. We will assess your workforce's needs, walk you through the investment options, and structure a solution suited to your business.

Step 2 — Complete the Onboarding Documentation

We handle the administrative process, including employer registration, member enrolment, and payroll integration. Our team supports you at every step.

Step 3 — Contributions Begin

Once set up, monthly contributions are deducted seamlessly via payroll and invested immediately, ensuring your employees' savings start growing from their first contribution.

Ready to take the first step?

1. Is this retirement fund genuinely Shariah-compliant?
Yes. The SuperFund invests exclusively in Shariah-screened unit trusts managed by a dedicated Islamic finance team. Every investment undergoes both qualitative and quantitative compliance testing, and a formal purification process is applied to remove any residual non-compliant income. The fund is structured to align fully with Islamic finance principles, giving Muslim employees a retirement vehicle that does not compromise their beliefs.

2. How much do I need to contribute each month?
Employee contributions range between 2% and 15% of your monthly gross salary. Your employer contributes at least the same amount — and in many cases more. Even at the minimum 2%, the impact over time is significant: a salary of R10,000 with a R200 monthly contribution could grow to over R257,000 in 20 years through the power of consistent, invested growth.

3. Can I access my savings before I retire?
Under the Two Pot system, a portion of your retirement savings is accessible for emergency withdrawals while the remainder is preserved for retirement. Your  Wealth Advisor can explain exactly how the Two Pot rules apply to your specific situation and help you make informed decisions about any withdrawals.

4. What happens to my savings if I leave my employer?
Your accumulated retirement savings belong to you. When you leave an employer, you have options including transferring your benefit to another approved retirement fund, preserving it in a preservation fund, or — in certain circumstances — taking a cash payout (though preserving your savings is almost always the better long-term choice). A Wealth Advisor can guide you through the process to avoid unnecessary tax and penalties.

5. How do I keep track of my retirement savings?
SuperFund members have multiple ways to stay informed. You can check your balance, view statements, update beneficiaries, and track claims digitally. Real-time access means you always know where your retirement savings stand.