Wealth management and investment advisory

Our Contact Details

+27 11 268 1282

Bayswater Capital Head Office
Unit 4, Ground Floor,
Commerce Square
Rivonia Road
Sandhurst, 2194

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Living Annuity

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What is a living annuity?

Living annuities are investments linked to unit trusts, cash investments or share portfolios. The funds in a living annuity are not subject to the limits of Regulation 28 like retirement annuities are and therefore the underlying investments of an LA are more flexible.

Your underlying investment of an LA can be fully aligned with your investment objectives, risk profile and investment horizon.

How does a living annuity work?

A living annuity requires you to draw between 2.5% and 17.5% per annum. The income received from your living annuity will form part of your taxable income and you will be taxed at the marginal rate. Transfers and annuity purchases however, are not taxed.

What are the benefits of a living annuity?

LAs allow you to have the flexibility to set your annual income and control your investment strategy. Funds in an LA are not subject to CGT, dividends tax or income tax until the money is withdrawn.

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Bayswater Capital is a Living Annuity Specialist

An effective approach to invest in your future is through a living annuity. However, you must minimise expenses, maximise returns, and draw a sustainable income if you want it to maintain your lifestyle using a living annuity. Our living annuity specialists make every effort to provide for your needs.

We are a well-established living annuity specialist trusted by high-net-worth and family office clients for our client specific solutions. As your dedicated investment partner, we will work closely with you to develop bespoke living annuity solutions and innovative investment ideas that preserve your wealth and guide you to lasting financial wellbeing.

Bayswater Capital is a well-established niche player in the financial services sector. We have a strong focus on personal relationships coupled with insightful strategies enables us to help clients make the best financial decisions around living annuites to protect their wealth in the long term.

We hope to build long-lasting relationships with our clients that can add value to them across all facets of their financial lives.

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