Retire on your terms, and keep more of what you earn
A comfortable retirement comes from saving enough, investing well and using every tax benefit available along the way. We help you set a clear target, build towards it tax-efficiently, and turn your savings into a reliable income when the time comes, with Shariah-compliant options throughout.
Expert advice, more choice, personal service
Led by Dr. Shakir Jeeva. Our founder brings advanced qualifications in Islamic finance, investment management and financial governance, and decades of experience in global financial markets. He and his team personally oversee the advice you receive. We are not tied to a single provider: we compare solutions across leading investment houses, insurers and takaful providers, and show you the options side by side, with the costs and trade-offs explained, so you choose what fits.
How we can help you
Who it is for
• Employees and professionals building retirement savings
• Business owners and the self-employed with no employer fund
• People within 10 years of retirement deciding how to draw an income
• Anyone considering a two-pot withdrawal or changing jobs
What we help with
• Retirement annuities, with contributions deductible up to 27.5% of income (capped at R430,000 a year)
• Tax-free savings accounts, using your R46,000 annual and R500,000 lifetime allowances
• Two-pot advice: whether a savings-pot withdrawal makes sense and what it will really cost
• Preservation funds when you change jobs, so your savings keep growing
• Retirement income: living annuities, guaranteed annuities and how to balance them
• Year-end tax planning before 28 February each year
• Tax advisory for individuals and companies, from personal tax planning to business tax matters
How we work
1. Work out what you will need in retirement and where you stand today
2. A savings and tax plan, showing how much each option could save you
3. Implementation with Shariah-compliant or conventional products, as you prefer
4. Annual reviews, with extra attention in the years before you retire
Common questions
Sapphire Global Financial Services is an authorised financial services provider (FSP 51022). This page is general information only and does not constitute financial or tax advice. Figures are for the 2026/27 tax year. The value of investments can go down as well as up.