Mosaic Investments
Investing requires a clear point of view. We help South African investors understand, structure and manage their Retirement Annuity, Living Annuity and Endowment investments with the depth their retirement deserves — and without a single Rand of broker commission along the way.
No broker commission payable.
Zero, always.
The idea that the future is unpredictable is undermined everyday by the ease with which the past is explained.
Start with the investment outcome. Then construct the plan.
- principle
- /ˈprɪnsɪp(ə)l/
- noun
- A fundamental truth that serves as the foundation for a chain of reasoning.
Our Constructed Outcome® approach begins by defining what your investment needs to look like. The investment structure follows that outcome, rather than beginning with a preselected product or contribution amount.
Most investment disappointment is not caused by picking the wrong share. It is caused by the wrong mix of assets, a decision made in a panic, or a cost that quietly compounded for twenty years. The eight principles below exist to keep those three things from happening to your money. They do not change with the headlines, and they apply to every portfolio we construct.
Eight principles. Applied to every portfolio, in every market.
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Start with the outcome
A plan needs a real target: the income you will need, in the money of the day. We set that first and build the investment to reach it. Beating an average means very little if it still leaves you short of what you actually need.
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Asset allocation does the heavy lifting
How your money is divided between shares, income assets and cash decides most of what you earn, and most of the bumps along the way. Get that mix right for your time horizon and the individual choices inside it matter far less than people think.
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Timing the market does not work
Nobody rings a bell at the top or the bottom. The real risk is being out of the market on the handful of days that deliver the most, and those days almost always arrive while the news is still bad.
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Rebalancing keeps the plan honest
Left alone, a portfolio drifts. Winners grow until they dominate and the risk you agreed to quietly becomes a different one. Rebalancing trims what has run and adds to what has lagged. It is unglamorous, and it is what keeps a portfolio doing its job.
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Diversify against being wrong
No single share, sector or country deserves to decide your retirement. Spreading the money is the cheapest protection available against being wrong about any one of them, and everyone is eventually wrong about something.
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Liquidity is worth having
We favour investments you can get out of. Long lock-in periods, and products that depend on somebody else's balance sheet, add a risk that rarely appears in the brochure and always appears at the worst possible time.
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Trade less, keep more
Every buy and every sell costs something. Constant activity feels like diligence, but it is a slow leak on your returns. We trade when there is a reason to trade, not to look busy.
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You will always know where you stand
Straight reporting, at regular intervals, in language you can act on. If the plan changes, or the market tests it, you hear it from us first and not from a statement you have to decode.
Three vehicles, one investment outcome.
Each vehicle serves a different stage of the same plan — building retirement capital, drawing a sustainable income from it, or investing discretionary capital tax-efficiently.
Retirement Annuity
Tax-deductible contributions while you are still working, invested within Regulation 28 limits, and preserved until retirement.
Living Annuity
A flexible post-retirement income drawn from your own investment portfolio, within the annual 2.5%-17.5% drawdown limits.
Endowment
A discretionary, tax-efficient investment policy suited to taxpayers above a 30% marginal rate and trusts, with a five-year withdrawal restriction.
Get the plan moving. Keep it moving.
An investment outcome cannot be wished into place. We help clients turn contributions, capital and drawdown decisions into a managed plan that is reviewed as circumstances change.
An investment plan makes the next decision visible: what to contribute, how it is invested, when to draw an income and how much — and why.
- Understand your position Current retirement savings, tax position and time horizon reviewed before a single contribution is discussed.
- Structure the plan Contribution, product and portfolio decisions sized against Regulation 28 and section 11F limits.
- Implement Contributions, product setup and beneficiary nominations carried through to completion.
- Review Contributions, capital and drawdown needs change over time — the plan is reviewed as they do.
Managed alongside the rest of your money.
Mosaic Hub's Personal module already gives you one place to track spending, savings and net worth.
Money Tracker
Every transaction, across every account, in one place — the foundation your investment picture sits on.
Net Worth
Assets and liabilities in one view, so you always know exactly where you stand.
Bank Sync
Accounts imported and categorised automatically, so your financial picture stays current without manual capturing.
Ask your AI about your investments.
Connect ChatGPT, Claude, Cursor or any MCP-compatible assistant to your Mosaic Hub account and ask about your Retirement Annuity, Living Annuity and Endowment alongside the rest of your finances — read-only, POPIA compliant.
“What's my combined Retirement Annuity and Living Annuity balance, and how has it grown this year?”
“Is my Living Annuity drawdown rate sustainable given my current capital?”
“List every account and investment I hold on Mosaic Hub and give me my current net worth.”
The questions investors ask first.
General information, not advice on your circumstances. We will give you that once we understand what you are trying to achieve.
What is the difference between a Retirement Annuity, a Living Annuity and an Endowment?
A Retirement Annuity is a pre-retirement savings vehicle with a section 11F tax deduction and preservation until age 55. A Living Annuity is the post-retirement income vehicle most retirees convert their Retirement Annuity into, with a legislated 2.5%-17.5% annual drawdown. An Endowment is a discretionary, after-tax investment with a five-year restriction, taxed at a flat rate inside the policy rather than at your marginal rate.
Does Mosaic charge broker commission on these investments?
No. Mosaic does not charge broker commission on Retirement Annuity, Living Annuity or Endowment investments arranged through us.
What is Regulation 28 and why does it matter?
Regulation 28 of the Pension Funds Act limits how much of a retirement fund's assets may sit in particular asset classes, such as equities, property and offshore assets, to protect retirement savings from excessive concentration risk. Every Retirement Annuity portfolio we construct is built within those limits.
What is Constructed Outcome®?
Constructed Outcome® is Mosaic's proprietary investment methodology — portfolios are built to deliver a defined outcome rather than to track a benchmark. It underpins every Retirement Annuity, Living Annuity and Endowment portfolio we construct.
Can my investment be administered alongside my accounting on the Mosaic Hub?
Yes. Clients who also use Numbers, Mosaic Hub's accounting module, get a consolidated view of their entities and investments on one platform, with access rights controlling who may see what.
Which vehicle is right for me?
It depends on your age, tax position, existing retirement savings and time horizon. Tell us briefly about your situation using the enquiry form below and a Mosaic adviser will come back to you within one business day.
Start on WhatsApp. No forms. No waiting.
Scan the QR code with your phone camera, or tap the button below, to open a direct WhatsApp conversation with Mosaic. Tell us about your Retirement Annuity, Living Annuity or Endowment — we respond within one business day.
Mosaic Financial Solutions Pty Ltd — Authorised FSP 46319. WhatsApp conversations do not constitute financial advice.
Scan to chat
Point your phone camera at this code to open WhatsApp and chat with Mosaic directly.
Speak to us about your investment.
Tell us briefly what you have in mind. We will come back to you within one business day — no obligation, no pressure.