Overview

Your life goals made real

A goal without a plan is just a dream. That's where Metropolitan Savings Plans come in. They offer a simple way to grow your money for your long-term life goals. Whether you're saving for an education, a special event like a wedding or even buying a house, we've got plans that can make your goals a reality.

If you're a South African citizen and over the age of 18, use our savings plans to:

Save a little bit every month or save a large amount when you can.

Add more money as your circumstances improve.

Invest your money into funds that grow your savings over time. Save in a way that’s convenient and still have access to your money in case of an emergency.

SAVINGS PLANS

Match with the savings plan for you

Compare our savings plan options and chat to an adviser to find out more.
TAX-FREE SAVINGS
OTHER SAVINGS PLANS
Tax-Free Savings (MAIN)
A long-term savings plan where you can save up to R500 000 tax free and you also pay no tax on the growth of your money.
5 - 20 Years
Term
Got it
Contributions optional?
You must contribute to this plan on a monthly basis.
Got it
Can this plan exist on its own?
We automatically open a Money Market Fund for you when you open a TFSA with us. You can use it if you need to.
Got it
Manage the rising cost of living
As the cost of living goes up, your premium increases so you stay ahead of inflation.
Got it
Are withdrawals limited?
You must however leave R1 000 in your plan if your plan payment is paused and you’re not making a regular payment.
Got it
Transaction fees on withdrawals?
You pay R250 per transaction with the TFSA
Got it
Can you name beneficiaries for this plan?
We’ll pass money to your estate if you don’t or can’t name a beneficiary.
Got it
Pause your premiums if you need to
You don’t need to catch up on missed payments if something happens and you miss a payment – just carry on saving.
Got it
From
R350
pm
Call me back
Money Market (RIDER)
A short-term savings plan that you can add to your tax-free savings plan to give you easy access to your money for emergencies and you pay no transaction fees.
0 -5 years
Term
Got it
Contributions optional?
It’s not compulsory to make contributions to the Money Market if there are no short-term needs.
Got it
Can this plan exist on its own?
We automatically open a Money Market Fund for you when you open a TFSA with us. You can use it if you need to.
Got it
Manage the rising cost of living
As the cost of living goes up, your premium increases so you stay ahead of inflation.
Got it
Are withdrawals limited?
You don’t have to keep a minimum amount in your plan if your plan is paused (when you’re not making the regular payment.
Got it
Transaction fees on withdrawals?
Transaction fees on withdrawals?
Got it
Can you name beneficiaries for this plan?
We’ll pass money to your estate if you don’t or can’t name a beneficiary.
Got it
Pause your premiums if you need to
You don’t need to catch up on missed payments if something happens and you miss a payment – just carry on saving.
Got it
From
R100
pm
Call me back
FutureBuilder Savings Plan**
A savings plan invested in the Smooth Bonus Fund
Invest in the Smooth Bonus Fund (only)
The Smooth Bonus Fund gives you stable returns, even as the market changes.
Got it
One plan. Five funds to choose from
An adviser will guide your choice, depending on the investment risk you want to take. The Smooth Bonus Fund is one of your options.
Got it
Fund switching
Fund switching
Got it
Skip a premium if you need to
Manage the rising cost of living
As the cost of living goes up, your premium increases with Automatic Inflation Management (AIM) so you stay ahead of inflation.
Got it
Premium Waiver on Death
If the premium payer passes away, we will pay your premiums.
Got it
Premium Waiver on Disability
If you become disabled and unable to work due illness or accident, we will pay your premiums.
Got it
From
R220*
pm
*Estimated premium subject to quote
Call me back
FutureBuilder MultiCash Plan**
A savings plan invested in the Smooth Bonus Fund with penalty free yearly cash withdrawal options after 5 years
Invest in the Smooth Bonus Fund (only)
The Smooth Bonus Fund gives you stable returns, even as the market changes.
Got it
One plan. Five funds to choose from
An adviser will guide your choice, depending on the investment risk you want to take. The Smooth Bonus Fund is one of your options.
Got it
Fund switching
Fund switching
Got it
Skip a premium if you need to
Manage the rising cost of living
As the cost of living goes up, your premium increases with Automatic Inflation Management (AIM) so you stay ahead of inflation.
Got it
Premium Waiver on Death
If the premium payer passes away, we will pay your premiums.
Got it
Premium Waiver on Disability
If you become disabled and unable to work due illness or accident, we will pay your premiums.
Got it
From
R270*
pm
*Estimated premium subject to quote
Call me back
FutureChoice Endowment
Invest in one of five different funds to suit your needs
Invest in the Smooth Bonus Fund (only)
The Smooth Bonus Fund gives you stable returns, even as the market changes.
Got it
One plan. Five funds to choose from
An adviser will guide your choice, depending on the investment risk you want to take. The Smooth Bonus Fund is one of your options.
Got it
Fund switching
Fund switching
Got it
Skip a premium if you need to
Manage the rising cost of living
As the cost of living goes up, your premium increases with Automatic Inflation Management (AIM) so you stay ahead of inflation.
Got it
Premium Waiver on Death
If the premium payer passes away, we will pay your premiums.
Got it
Premium Waiver on Disability
If you become disabled and unable to work due illness or accident, we will pay your premiums.
Got it
From
R300*
pm
*Estimated premium subject to quote
Call me back
FutureChoice Sinking Fund
A flexible investment product designed to provide tax-efficient investment growth for the corporate investor
Invest in the Smooth Bonus Fund (only)
The Smooth Bonus Fund gives you stable returns, even as the market changes.
Got it
One plan. Five funds to choose from
An adviser will guide your choice, depending on the investment risk you want to take. The Smooth Bonus Fund is one of your options.
Got it
Fund switching
Fund switching
Got it
Skip a premium if you need to
Manage the rising cost of living
As the cost of living goes up, your premium increases with Automatic Inflation Management (AIM) so you stay ahead of inflation.
Got it
Premium Waiver on Death
If the premium payer passes away, we will pay your premiums.
Got it
Premium Waiver on Disability
If you become disabled and unable to work due illness or accident, we will pay your premiums.
Got it
From
R300
pm
Call me back

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Frequently Asked Questions
Your questions answered.
VIsit our FAQ page
Not finding what you’re looking for?
Speak to one of our advisers.
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