View up-to-date annuity and investment rates from some of South Africa’s leading financial services providers.
This tool is your central hub for current market rates to support retirement planning, investment comparisons, and informed financial decision-making. You’ll find rates from a range of trusted South African insurers and product providers, giving you a comprehensive view of what’s available in the market.
Use our interactive Annuity Rates tool to:
Filter rates by product provider
Select custom date ranges
Download the latest data
This makes it simple to compare options and monitor rate changes over time – all in one place.
Need Help?
Read our quick How-To Guide for tips on filtering, downloading, and getting the most from this tool.
Partner With Us
If you’re a product provider and would like your annuity rates featured on this site – or if you’re interested in advertising to a targeted audience of financial advisors and professionals – we would love to hear from you. Email: annuityrates@masthead.co.za
Please note:
The rates are provided for information purposes only. Kindly ensure a quotation is obtained from the relevant financial services provider and the exact nature and type of guarantee underpinning the investment are determined before advising a client.
The information contained in this site is compiled in good faith and based on information received directly from the financial services providers in respect of their products. Masthead believes this information to be reliable, accurate and up to date. However, Masthead does not make any representations or warranties, express or implied, as to the accuracy, completeness or suitability of the information. Masthead does not accept responsibility or liability for any loss, damage or expense that may be incurred as a direct or indirect consequence of reliance placed on information contained in this site. In addition, before recommending any of these products and as part of their responsibilities, advisors should ensure the suitability of any of these product solutions to the needs of their clients.
WHO ARE WE
Established in 2004, Masthead (Pty) Ltd offers nationwide compliance and business support to independent financial advisors, corporate FSPs, credit providers, legal and property practitioners, and others. We help our clients navigate key regulations like FAIS, FICA, POPIA, and the National Credit Act. With a team of experts, we provide practical solutions across compliance, practice management, and business development to help businesses stay compliant and thrive.
Masthead (Pty) Ltd is part of the Masthead Group, alongside Masthead Financial Planning (Pty) Ltd – a licensed FSP dedicated to supporting financial advisors with streamlined operational and regulatory solutions.
Known for her strategic thinking and pragmatic leadership style, Joleen brings more than 22 years of experience across financial services, strategy, adviser distribution and business transformation. She leads the Masthead Group, a leading South African advisory, compliance and practice management businesses serving the financial services industry. Her career spans senior leadership roles at Discovery, Old Mutual and Masthead, where she has built a reputation for helping businesses navigate regulatory change, drive sustainable growth and deliver meaningful outcomes.
Her leadership philosophy is that lasting success is achieved by aligning strategy, people and purpose.
Joleen holds a BCom (Accounting) from the University of the Witwatersrand (Wits) and an MBA from the University of Cape Town Graduate School of Business.
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LAURENCE MULLER
Finance Director & Chief Operating Officer
Laurence joined Masthead as Head of Finance in 2007. Two years later he was appointed to his current position as Financial Director and has since served as a director on the Masthead board. During 2021 he was also appointed as COO.
Laurence has a BAcc and BCompt Honours degree and is a Chartered Accountant (CA(SA)). He holds a Post Graduate Diploma in Financial Planning through the University of Stellenbosch Business School and is a Certified Financial Planner (CFP) and member of the Financial Planning Institute (FPI). He has also successfully completed the FSCA’s RE 1 and 5 Examinations.
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ANRI DIPPENAAR
Head of Compliance
Anri Dippenaar is the Head of Compliance at Masthead, where she leads Masthead’s compliance offering across a broad range of regulated industries. She has extensive experience in financial services compliance and is recognised for her ability to translate complex regulatory frameworks into practical, scalable compliance solutions that strengthen governance and operational resilience. Under her leadership, Masthead supports a wide range of regulated businesses, including independent and corporate financial services providers (FSPs), insurers, UMAs, binder holders, crypto asset service providers (CASPs), as well as accountable institutions such as legal practitioners, property practitioners and high-value goods dealers.
Anri is actively involved in industry forums and regulatory workstreams relating to COFI and broader regulatory reform, and is a regular speaker at national conferences, where she is known for delivering pragmatic, implementation-focused insights on regulatory change and compliance best practice.
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SHERLENE NEETHLING
Head of Operations
Sherlene has more than 25 years’ experience in Financial Services having worked in the Employee Benefits, Linked Product and Life Assurance environments prior to joining Masthead in 2006.
Sherlene has a wealth of experience having worked in many areas including, product marketing, traditional marketing, and operations. As Head of Operations at Masthead, she leads the IT, marketing, operations and learning centre teams.
Sherlene has a marketing qualification and a Certificate in Journalism.
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ANDRIA HIBBERT
Head of Corporate Accounts and Regional Manager
Andria has been in the financial industry for more than 33 years having worked in banks and insurance companies. She joined Old Mutual Broker Distribution in 1995 as an Admin Manager in Durban and later joined Masthead when they opened their doors in October 2004 as the Regional Services Manager for KwaZulu-Natal. Five years later she was appointed as the Regional Manager in KwaZulu-Natal and in 2014 she was transferred to Johannesburg as the Regional Manager.
In 2020, she took on the additional role of National Key Account Manager and was responsible for managing all Corporate Accounts. In 2022, Andria was promoted to Head of Corporate Accounts and transferred to the Western Cape as Regional Manager.
Andria has a BCom in Industrial Psychology degree. She is also a registered Compliance Officer with the FSCA for CAT I, II, IIA, and IV and has successfully completed the FSCA’s RE 1 and RE 3 Examinations.
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MAQBOOL SONDAY
Head of Finance
Maqbool joined Masthead as a Financial Accountant in 2008. Seven years later he was appointed as Finance Manager and then appointed to his current position as Head of Finance in 2022.
Maqbool has a BCom Accounting degree from the University of the Western Cape. From 2003 and 2005, he completed his articles at SizweNtsalubaVSP and in 2006 he went on to complete his BCom Honours degree from the University of KwaZulu-Natal.
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HEIDI DE LANGE
Regional Manager and Compliance Officer
Heidi has more than 33 years’ experience in the financial services industry. In 2004, she moved from Old Mutual to Masthead as a Regional Service Manager. Nine years later she was appointed as Regional Manager of the Gauteng North, Limpopo and Mpumalanga region and went on to become a Compliance Officer to complement the management offering.
Heidi has a BCom Entrepreneurs degree from Unisa and she is approved as a CAT I and CAT II Compliance Officer. She has also successfully passed all the FSCA’s Regulatory Examinations.
