We help South Africans make calmer, clearer retirement decisions.
Retirement income is one of the biggest financial decisions most people ever make, and one of the least well explained. We built PensionX to change that: guidance first, plain English always, and licensed advice when you want it.
What we believe
- Guidance should be free and honest
You should be able to understand your options without signing up, paying, or sitting through a sales pitch.
- Plain English is non-negotiable
Every term is explained where you need it. If something needs a glossary, we write it more simply.
- Neutral comparison, not a hidden recommendation
Our public tools show you how the routes compare. They never quietly steer you to one product.
- Advice is a separate, regulated step
When you want a personal recommendation, a licensed adviser runs a full advice process, clearly and on your terms.
How we are paid
The website and its tools are free. We earn through transparent advice and planning fees, agreed with you in writing before any work begins. Our advisers earn an advice fee, typically calculated as a percentage of the assets they manage for you, rather than product commission. Where any commission is unavoidable, we disclose it up front. You'll find the detail in our conflict-of-interest policy.
Authorised Financial Services Provider
PensionX (Pty) Ltd is an authorised FSP (FSP No. 53753), regulated by the Financial Sector Conduct Authority. Our full disclosures, complaints process and methodology live in the Trust Centre.