Tax-free Investment Accounts (TFIA)
Maximise your tax-free returns
Looking for the most tax-efficient way to supplement your retirement nest egg? Our tax-free investment accounts (TFIA) are here to help. These products take full advantage of legislation designed to help you save and invest. This means you’ll pay zero tax on the growth or income your investments generate. You’ll also pay no tax on withdrawals and can access the money any time you need it.
Why choose 1nvest TFIAs?
Skip the tax
With a tax-free investment account (TFIA), you won’t pay a cent in tax on interest, dividends or capital gains.
Maximise the benefit
You can invest up to R46 000 per year or a total of R500 000 over your lifetime.
It's simple and transparent
We arm you with the products to tailor your tax-free investments – and there are no hidden fees or obscure terms and conditions.
We’re specialists
We’re an experienced, dedicated team with deep research capabilities – and we’re part of the Standard Bank Group.
Invest within your means
Invest with small or large sums – right up to the maximum allowed by legislation.

Ready to get started with tax-free investing?
We have both Exchange Traded Funds, and Index Tracking Unit Trusts that you can invest in tax-free.
Click on the funds below to start your investment journey.
FAQs
A tax-free investment account (TFIA) can be a unit trust investment, a JSE-listed exchange-traded fund and more. It guarantees your capital investment and is an effective way to invest for your goals because any interest, dividends or capital gains will be free of tax.
A Unit Trust refers to an investment portfolio that is managed as a Collective Investment Scheme and divided into equal parts or ‘units’. Each unit represents a portion or share in the underlying assets of the portfolio.
There are limits on the amount you can invest in a tax-free investment account. The total annual contribution in a tax year may not exceed R46 000, while the total lifetime contribution may not exceed R500 000.
There is a stiff penalty tax of 40% for contributions to your tax-free account that exceeds the limits.
Tax-free investment accounts were created to encourage saving and investing and not as a retirement product, although you may use them for retirement savings. Bear in mind that the lifetime contribution limit of R500 000 may not be enough to cover your expenses upon retirement. You can, however, use this investment to supplement your retirement investment.
Yes. There is no limit to the number of tax-free investment accounts you can have, but you must ensure the sum of your annual payments across all your investments doesn’t exceed the annual contribution limit, or you will have to pay a penalty tax.
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