Find out what benefits you qualify for?
Core Benefits
Retirement Fund
Scheme for Spouse’s Cover
Disability Benefits
Group Life Insurance Scheme
Funeral Cover
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Forms and Documents
What investment options does SURF offer me?
Investment Choice option
From age 53, USRF offers members investment options outside the default investment strategy.
If you opt for the Investment Choice option, from age 53, you may choose to invest your fund credit in these portfolios.
The Growth Portfolio
The Growth Portfolio consists of both a local and an offshore component. The local component is split in equal portions between the following investment managers: Allan Gray, Coronation and Ninety One. It should be noted that differences in investment returns of the managers result in changes in manager allocations from time to time. The offshore component is managed by Willis Towers Watson.
The composition of the Growth Portfolio allocation as at 31 March 2026 was as follows:
Growth Portfolio: Asset Allocation
Growth Portfolio: Foreign Asset Split
