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[\/et_pb_text][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_blurb title=”Core Benefits” image=”https:\/\/surf.sun.ac.za\/files\/2021\/10\/benefits-1.png” icon_placement=”left” image_max_width=”146px” content_max_width=”80%” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” content_max_width_tablet=”100%” content_max_width_phone=”” content_max_width_last_edited=”on|tablet” _builder_version=”4.9.10″ _dynamic_attributes=”link_option_url” _module_preset=”default” header_font=”|700|||||||” header_font_size=”32px” body_font=”|600|||||||” body_font_size=”17px” body_line_height=”1em” background_color=”#0D4C77″ text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_padding=”30px|50px|30px|50px|true|true” link_option_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjEwMyJ9fQ==@” border_radii=”on|30px|30px|30px|30px”]<\/p>\n
Retirement Fund<\/p>\n
Scheme for Spouse\u2019s Cover<\/p>\n
Disability Benefits<\/p>\n
Group Life Insurance Scheme<\/p>\n
Funeral Cover<\/p>\n
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[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.9.10″ _module_preset=”default” custom_margin=”||0px|||” custom_padding=”53px||41px||false|false” bottom_divider_color=”rgba(0,19,46,0.6)”][et_pb_row _builder_version=”4.9.10″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_text _builder_version=”4.9.10″ _module_preset=”default” module_alignment=”center”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ _builder_version=”4.9.10″ _module_preset=”default” module_alignment=”center”][et_pb_column type=”1_4″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_blurb title=”Join the Pension Fund” image=”https:\/\/surf.sun.ac.za\/files\/2021\/10\/023-university-300×300.png” image_max_width=”120px” content_max_width=”100%” _builder_version=”4.9.10″ _module_preset=”default” background_color=”RGBA(0,0,0,0)” background_enable_image=”off” background_size=”initial” background_position=”center_right” text_orientation=”center” module_alignment=”center” custom_margin=”||0px||false|false” custom_padding=”||10px||false|false”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_blurb title=”Age 53 – optional Portfolio change” image=”https:\/\/surf.sun.ac.za\/files\/2021\/10\/023-statistics-300×300.png” image_max_width=”120px” content_max_width=”100%” _builder_version=”4.9.10″ _module_preset=”default” background_color=”RGBA(0,0,0,0)” text_orientation=”center” module_alignment=”center” custom_margin=”||0px||false|false” custom_padding=”||10px||false|false”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_blurb title=”Age 60 – retirement planing process” image=”https:\/\/surf.sun.ac.za\/files\/2021\/10\/001-analysis-300×300.png” image_max_width=”120px” content_max_width=”100%” _builder_version=”4.9.10″ _module_preset=”default” background_color=”RGBA(0,0,0,0)” text_orientation=”center” module_alignment=”center” custom_margin=”||0px||false|false” custom_padding=”||10px||false|false”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_blurb title=”Age 65 – Retirement” image=”https:\/\/surf.sun.ac.za\/files\/2021\/10\/023-targeting-300×300.png” image_max_width=”120px” content_max_width=”100%” _builder_version=”4.9.10″ _module_preset=”default” background_color=”RGBA(0,0,0,0)” text_orientation=”center” module_alignment=”center” custom_margin=”||0px||false|false” custom_padding=”||10px||false|false”][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.9.10″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_start=”rgba(0,19,46,0.6)” background_color_gradient_end=”rgba(0,19,46,0.6)” background_color_gradient_overlays_image=”on” background_image=”https:\/\/surf.sun.ac.za\/files\/2021\/10\/Investing-scaled.jpg” custom_margin=”1px||||false|false” custom_padding=”||120px||false|false”][et_pb_row _builder_version=”4.4.3″][et_pb_column type=”4_4″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.9.10″ header_2_font=”|900|||||||” header_2_text_color=”#FFFFFF” header_2_font_size=”40px” header_2_line_height=”1.2em” header_2_font_size_tablet=”42px” header_2_font_size_phone=”30px” header_2_font_size_last_edited=”on|phone”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.9.10″ _module_preset=”default”][et_pb_column type=”1_2″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_blurb title=”Investment Choice option” image=”https:\/\/surf.sun.ac.za\/files\/2021\/10\/53-173×300.png” _builder_version=”4.9.10″ _module_preset=”default” header_level=”h1″ header_font=”|600|||||||” header_text_color=”#FFFFFF” body_font_size=”17px” background_enable_color=”off” text_orientation=”center” background_layout=”dark” custom_padding=”30px|30px|30px|30px|true|true” border_radii_image=”on|30px|30px|30px|30px”]<\/p>\n
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.<\/p>\n
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[\/et_pb_text][et_pb_text _builder_version=”4.9.10″ _module_preset=”default”]<\/p>\n
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.<\/p>\n
The composition of the Growth Portfolio allocation as at 31 December 2024 was as follows:<\/p>\n
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[\/et_pb_text][et_pb_image src=”https:\/\/surf.sun.ac.za\/files\/2025\/03\/GP-Assets-1024×601.png” title_text=”GP-Assets” align=”center” _builder_version=”4.9.10″ _module_preset=”default”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_text _builder_version=”4.9.10″ _module_preset=”default”]<\/p>\n
[\/et_pb_text][et_pb_image src=”https:\/\/surf.sun.ac.za\/files\/2025\/03\/GP-Assets2-1024×419.png” title_text=”GP-Assets2″ align=”center” _builder_version=”4.9.10″ _module_preset=”default”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>","protected":false},"excerpt":{"rendered":"
Find out what benefits you qualify for?Retirement Fund Scheme for Spouse\u2019s Cover Disability Benefits Group Life Insurance Scheme Funeral CoverQuick LinksHow do I access my Fund information?Forms and DocumentsMore About the FundLife Stage ModelWhat investment options does SURF offer me?From age 53, USRF offers members investment options outside the default investment strategy.If you opt for […]<\/p>","protected":false},"author":11016,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"folder":[],"class_list":["post-20","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/surf.sun.ac.za\/af\/wp-json\/wp\/v2\/pages\/20","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/surf.sun.ac.za\/af\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/surf.sun.ac.za\/af\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/surf.sun.ac.za\/af\/wp-json\/wp\/v2\/users\/11016"}],"replies":[{"embeddable":true,"href":"https:\/\/surf.sun.ac.za\/af\/wp-json\/wp\/v2\/comments?post=20"}],"version-history":[{"count":80,"href":"https:\/\/surf.sun.ac.za\/af\/wp-json\/wp\/v2\/pages\/20\/revisions"}],"predecessor-version":[{"id":3590,"href":"https:\/\/surf.sun.ac.za\/af\/wp-json\/wp\/v2\/pages\/20\/revisions\/3590"}],"wp:attachment":[{"href":"https:\/\/surf.sun.ac.za\/af\/wp-json\/wp\/v2\/media?parent=20"}],"wp:term":[{"taxonomy":"folder","embeddable":true,"href":"https:\/\/surf.sun.ac.za\/af\/wp-json\/wp\/v2\/folder?post=20"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}