REPOSITORY
About us
Annual Reports
Our
ANNUAL REPORTS
Over the past 11 years, Sentinel has annually published an Integrated Annual Report although not required to do so in terms of the Pension Funds Act. The Fund also submits annual regulatory financial statements to the FSCA as prescribed.
To ease the Fund’s reporting obligations and associated costs, and to produce an easier to read and understand annual report focussed on members and pensioners, the Fund will from 2023 replace its Integrated Annual Report with a simplified Annual Report.
The Annual Report provides feedback and information regarding the high-level operations of the Fund, investment and financial performance, and governance matters.
2024
2023
2022
Investments
- Investment Policy Statement (“IPS”) – To view click HERE
- Portfolio Returns – To view click HERE
- Portfolio Fact Sheets
- Wealth Builder Portfolio Fact Sheet – To view click HERE
- Inflation Protector Portfolio Fact Sheet – To view click HERE
- Pension Protector Portfolio Fact Sheet – To view click HERE
- Money Market Portfolio Fact Sheet – To view click HERE
- Pensioner Portfolio Fact Sheet – To view click HERE
- 27Four Shari’ah Multi-Managed Balance Fund Monthly Report – To view click HERE
- Fees and Costs – To view click HERE
Members
Sentinel offers you a unique retirement fund solution that follows smooth and seamless transitions through all the life stages that awaits you, excellent growth opportunities in a world standard investment model, a transparent and competitive cost structure that only recovers actual expenses incurred, sensibly structured products to suit your needs and most importantly, piece of mind!
To see Member Brochure click HERE
Member Brochures
Investment Choice
The Fund provides members with two investment avenues:
- The Life Stage Model: provides for automatic switching of members’ retirement savings from one investment portfolio to the next, as they approach retirement. Three (3) investment portfolios are utilised in this model and include the Wealth Builder Portfolio (an aggressive portfolio for younger members up to 12 years before NRA), the Inflation Protector Portfolio (a moderate portfolio for members who have less than 12 but more than 5 years to NRA) and the Pension Protector Portfolio (a conservative portfolio for members who have less than 5 years to retirement).
- Individual Member Investment Choice: allows members who elect not to follow the Life Stage Model, to switch between investment portfolios daily (daily unit pricing). The three Life Stage portfolios, a Money Market portfolio and a Shari’ah portfolio are available, and splitting between portfolios is allowed.
- Member Investment Choice Election Form – To view click HERE
- Member Investment Choice Brochure – To view click HERE
- Member Investment Choice In A Nutshell – To view click HERE
- Investment Portfolio Net Returns – To view click HERE
- Investment Portfolio Fact Sheets
- Wealth Builder Portfolio Fact Sheet – To view click HERE
- Inflation Protector Portfolio Fact Sheet – To view click HERE
- Pension Protector Portfolio Fact Sheet – To view click HERE
- Money Market Portfolio Fact Sheet – To view click HERE
- Pensioner Portfolio Fact Sheet – To view click HERE
- 27Four Shari’ah Multi-Managed Balance Fund Monthly Report – To view click HERE
Benefits
- Withdrawal Benefit Brochure – To view click HERE
- Retirement: Pension Income Choice Brochure – To view click HERE
(This brochure applies to Members who elect to retire in the Fund, Members who have been awarded a disability benefit, and Spouses of deceased members) - Death of Member Brochure – To view click HERE
- Disability Benefit Brochure – To view click HERE
- Risk Benefit Cover – To view click HERE
Other Brochures & Booklets
Benefits in a Nutshell
Benefits become payable when membership ceases, and a correctly completed application for benefits has been received by the Fund. All benefits are paid in terms of the Rules of the Fund and are subject to income tax. The following benefits are provided for:
- Withdrawal Benefit
- Death of Member Benefit
- Disability Retirement Benefit
- Retirement Benefit
- Membership in a Nutshell – To view click HERE
- Member Investment Choice in a Nutshell – To view click HERE
- Disability Benefits in a Nutshell – To view click HERE
- All Benefit types in a Nutshell – To view click HERE
- Withdrawal Benefits in a Nutshell – To view click HERE
- Death of Member Benefits in a Nutshell – To view click HERE
- Pension Income Choice in a Nutshell – (1) – To view click HERE
- Pension Income Choice in a Nutshell – (2) – To view click HERE
- The importance of an up-to-date nomination form – To view click HERE
Member Forms
Member Investment Choice
For the different options available to you with regard to Member Investment Choice (MIC), please take the time to carefully read the MEMBER INVESTMENT CHOICE BROCHURE. This brochure explains the options members have regarding investment choice. You are urged to take the time to read it carefully because your decisions will have an impact on the quality of your retirement.
To see Member Investment Choice Brochure click HERE
- Member Investment Choice (MIC) Election Form – To view click HERE
Member Nomination Form
Withdrawal Benefit
A withdrawal benefit may be claimed if you have left the service of your employer due to resignation, retrenchment or dismissal. Making decisions about what to do with your retirement savings should, therefore, be at the forefront of your mind.
To see Withdrawal Benefit Brochure click HERE
Retirement Benefit
Please read the PENSION INCOME CHOICE BROCHURE (applies to members who elect to retire in the Fund, members who have been awarded a disability benefit, and spouses of deceased members). Sentinel offers an attractive retirement solution through its sensibly structured Pension Income Choice model that allows retiring members, disability retirees, and the spouses of deceased members, to select a retirement income that best meets their future financial needs.
To see Pension Income Choice Brochure click HERE
- Request for Estimate of Benefits – To view click HERE
- Application for Retirement Benefit – To view click HERE
- Application for Flexible Retirement Benefit – To view click HERE
- Application for Retirement Benefit – Member with multiple spouses – To view click HERE
- Application for Retirement Benefit – Lump-sum only (Fully Commute) – To view click HERE
(Only if your total fund value is less than R247 500, and you qualify for retirement) - Application: Not to provide for a spouse pension in the event of my death – To view click HERE
(Where a member is currently legally married but is separated from the spouse, and is busy with divorce proceedings, the member can apply to not provide for a spouse pension in the event of the member’s death). - Application: Provision for a spouse pension in the event of my death – To view click HERE
(Where a member is in a cohabiting relationship and wants to provide for a spouse pension in the event of the member’s death.)
Disability Retirement Benefit
Please read the PENSION INCOME CHOICE BROCHURE (applies to members who elect to retire in the Fund, members who have been awarded a disability benefit, and spouses of deceased members). Sentinel offers an attractive retirement solution through its sensibly structured Pension Income Choice model that allows retiring members, disability retirees, and the spouses of deceased members, to select a retirement income that best meets their future financial needs.
To see Pension Income Choice Brochure click HERE
- Request for Estimate of Benefits – To view click HERE
- Application to be found permanently disabled – To view click HERE
- Application for Disability Retirement Guaranteed Pension Benefit – To view click HERE
- Application for Disability Retirement Guaranteed Pension & Flexible Pension – To view click HERE
- Acknowledgement: Option to not apply for a disability benefit:
- Acknowledgement: Option to not continue with Disability Application (after having applied for a Disability Benefit):
Death Benefits
In the event of a member’s death, a death benefit becomes payable when the Fund has been notified of the death.
Please read the DEATH OF MEMBER BROCHURE as in this brochure, possible beneficiaries, benefits, tax implications, and the procedures that must be followed to apply for benefits is explained.
To see Death of Member Brochure click HERE
Please read the PENSION INCOME CHOICE BROCHURE (applies to members who elect to retire in the Fund, members who have been awarded a disability benefit, and spouses of deceased members). Sentinel offers an attractive retirement solution through its sensibly structured Pension Income Choice model that allows retiring members, disability retirees, and the spouses of deceased members, to select a retirement income that best meets their future financial needs.
To see Pension Income Choice Brochure click HERE
- Checklist of Documents Required for Death of a Member – To view click HERE
- Details of Deceased Member – To view click HERE
- Application for Death Benefits by Spouse / Life Partner – To view click HERE
- Application for Death Benefits by Other Parties – To view click HERE
- Application for Death Benefits by Spouse / Life Partner – Flexible Pension Option – To view click HERE
- Application for Death Benefits by Executor – Lump Sum Benefit and / or Unpaid Pension to the Estate – To view click HERE
Additional Death Benefits Forms
- Benefit Waiver (For dependent persons over 18 years only) – To view click HERE
- Equal Split Form for Biological / Legally Adopted Children of Deceased – To view click HERE
- Affidavit Confirming Dependants (Biological / Legally Adopted Children and Spouses of Deceased) – To view click HERE
- Confirmation of no Spouse and / or Life Partner – To view click HERE
- Statement by Police – Unnatural Deaths – To view click HERE
- Spouse Option Form (Pension Income Choice) – To view click HERE
Divorce Settlement Applications
Other Member Forms
- Consent To Obtain Information (When it is necessary for another person, other than the member to request / obtain Fund information on behalf of the member.) – To view click HERE
- Foreign/Expat members: Information Required by the Exchange Control Authorities – To view click HERE
- Australia | Western Australia | Southern Australia Banking Details – To view click HERE
- Botswana | Lesotho | Malawi | Zambia Banking Details – To view click HERE
- Brazil | China | New Zealand Banking Details – To view click HERE
- Mozambique Banking Details – To view click HERE
- The United States of America Banking Details – To view click HERE
- European Countries | UK | Israel Banking Details – To view click HERE
- Canada Banking Details – To view click HERE
- Mauritius Banking Details – To view click HERE
- Swaziland Banking Details – To view click HERE
- Namibia Banking Details – To view click HERE
- Application for a Duplicate Tax Certificate – To view click HERE
- Change of Address Form – To view click HERE
- Profile / Personal Details Update – To view click HERE
- Merging of Fund Plan Records (Members only) – To view click HERE
Member Communication
Breaking News Bulletin
- Tax Treatment for March Savings Withdrawal Applications – To view click HERE
- Online Portal New Features – To view click HERE
- Important Notice: Savings Withdrawal Benefit Applications – 16 Sept 2024 – To view click HERE
- Two-Pot Savings Withdrawals Benefit Process – 30 Aug 2024 – To view click HERE
- Update on the “Two-pot” Retirement System Proposal – 22 Aug 2024 – To view click HERE
- Retirement Savings Charges 2024/2025 – To view click HERE
- Parktown Offices Relocation from May 2024 – To view click HERE
- Latest Investment Portfolio Returns March 2025 – To view click HERE
- Update on the “Two-pot” Retirement System Proposal – May 2024 – To view click HERE
- Our New Brand – To view click HERE
- Latest Investment Portfolio Fact Sheets
- Wealth Builder Portfolio Fact Sheet – To view click HERE
- Inflation Protector Portfolio Fact Sheet – To view click HERE
- Pension Protector Portfolio Fact Sheet – To view click HERE
- Money Market Portfolio Fact Sheet – To view click HERE
- Pensioner Portfolio Fact Sheet – To view click HERE
- 27Four Shari’ah Multi-Managed Balance Fund Monthly Report – To view click HERE
- Changes to the Board of Trustees and Sub-Committees – To view click HERE
- 2025 Risk Cover & Contributions – To view click HERE
- Protection of Personal Information Act (POPIA) – To view click HERE
Two-pot Retirement System
Forms
- eForm – Application for Savings Withdrawal Benefit – To view click HERE
- Application for Savings Withdrawal Benefit – To view click HERE
- Transfers to the Retirement Component from Savings or Vested Component – To view click HERE
- Savings Withdrawal Benefit: Pending Divorce Concent and Pension Interest Liability Indemnity Form – To view click HERE
Brochures
Communication
- Tax Treatment for March Savings Withdrawal Applications – To view click HERE
- Important Notice: Savings Withdrawal Benefit Applications – 16 Sept 2024 – To view click HERE
- Two-Pot Savings Withdrawals Benefit Process – 30 Aug 2024 – To view click HERE
- Update on the “Two-pot” Retirement System Proposal – 22 Aug 2024 – To view click HERE
- Update on the “Two-pot” Retirement System Proposal – 10 May 2024 – To view click HERE
- Update on the “Two-pot” Retirement System Proposal – 1 February 2024 – To view click HERE
- Update on the “Two-pot” Retirement System Proposal – 22 November 2023 – To view click HERE
- Update on the “Two-pot” Retirement System Proposal – 15 February 2023 – To view click HERE
- Update on the “Two-pot” Retirement System Proposal – 3 August 2022 – To view click HERE
System Upgrade Communication
- Online Portal New Features – To view click HERE
- New Secure Online Portal Available – 02 July 2024 – To view click HERE
- System Migration General Reminder – 14 June 2024 – To view click HERE
- System Migration General Reminder – 5 June 2024 – To view click HERE
- New System Implementation – To view click HERE
- New Systems Implementation – Member Investment Choice – To view click HERE
Pensioners
Pensioner Brochures
- Pension Income Choice Brochure (This brochure applies to Members who elect to retire in the Fund, Members who have been awarded a disability benefit, and Spouses of deceased members.) – To view click HERE
- Investment Choice Brochure – To view click HERE
- Taxation in South Africa 2026 Tax Year – To view click HERE
- Pensioner Benefit Statement Brochure – To view click HERE
- Pensioners Death Benefit Lump Sums and Spouse Pensions In a Nutshell – To view click HERE
- Pension Income Choice In a Nutshell (1) – To view click HERE
- Pension Income Choice In a Nutshell (2) – To view click HERE
Pensioner Forms
Income Tax
- eForm – Tax Deduction Options – To view click HERE
- Tax deduction (PAYE) options for pensioners
Multiple sources of remuneration. This only applies to pensioners who, in addition to a Sentinel pension, also receive another pension, annuity income and/or salary, from a different source, and for whom SARS has issued a Tax Directive – To view click HERE - Additional Tax Deductions
This only applies to pensioners who do not receive another pension, annuity income and/or salary, from a different source, but who want additional income tax deducted from their monthly pension – To view click HERE - Application for A Duplicate Payslip / Tax Certificate – To view click HERE
Personal Information Updates
- Change of Address Form – To view click HERE
- Change of Banking Details Form – To view click HERE
- Profile Detail Update – To view click HERE
- Consent To Obtain Information. When it is necessary for another person, other than the pensioner, to request / collect Fund information on behalf of the pensioner – To view click HERE
- Pensioner Nomination Form – To view click HERE
- Foreign / Expat Pensioners: Foreign Pensioner Banking Details – To view click HERE
- Foreign / Expat Pensioners: Information Required by the Exchange Control Authorities – To view click HERE
- Australia | Western Australia | Southern Australia Banking Details – To view click HERE
- Botswana | Lesotho | Malawi | Zambia Banking Details – To view click HERE
- Brazil | China | New Zealand Banking Details – To view click HERE
- Mozambique Banking Details – To view click HERE
- The United States of America Banking Details – To view click HERE
- European Countries | UK | Israel Banking Details – To view click HERE
- Canada Banking Details – To view click HERE
- Mauritius Banking Details – To view click HERE
- Swaziland Banking Details – To view click HERE
- Namibia Banking Details – To view click HERE
Death Benefits
- Pensioner Death Benefit Lump Sums and Spouse Pensions In A Nutshell – To view click HERE
- Checklist of Documents Required for Death of a Pensioner – To view click HERE
- Details of Deceased Pensioner – To view click HERE
- Application for Death Benefits by Spouse / Life Partner where the Deceased Retired Prior 01/03/2001 (MOPF) and 01/03/2003 (MEPF) – To view click HERE
- Application for the Death Benefits by Spouse /Life Partner where the Deceased Retired After 01/03/2001 (MOPF) and 01/03/2003 (MEPF) – To view click HERE
- Application for Death Benefits by Other Parties – To view click HERE
- Flexible Pension Option (Spouse / Life Partner) – Where The Deceased Was a Flexible Pensioner – To view click HERE
- Application for Death Benefits by Executor – Lump Sum Benefit and/or Unpaid Pension To The Estate – To view click HERE
Additional Death Benefits Forms
- Benefit Waiver (Only for beneficiaries over the age of 18 years) – To view click HERE
- Equal Split Form for Biological / Legally Adopted Children of the Deceased – To view click HERE
- Affidavit confirming Dependants (Biological / Legally Adopted Children and Spouses of Deceased) – To view click HERE
- Confirmation of no Spouse and / or Life Partner – To view click HERE
- Statement by Police – Unnatural Deaths – To view click HERE
Flexible Annuity Pensioners
Continuation of Pension Payments (Proof of Life)
Death Benefit Scheme Form (Only for qualifying pensioners)
The election to convert the death benefit lump sum into an additional monthly pension applies only to Pensioners who retired prior to 1/3/2001 (Sentinel Mining Industry Retirement Fund) and 1/3/2003 (Mine Employees’ Pension Fund).
Note: the election to convert only provides an additional monthly pension and after the conversion no lump sum is payable in the event of the pensioner’s death. No lump sum is payable from the Death Benefit Scheme before the pensioner’s death.
- Election to convert Death Benefit to Pension – To view click HERE
Pensioner Communication
Breaking News Informant
- Budget 2025 Postponement and Tax Deductions – To view click HERE
- Online Portal New Features – To view click HERE
- Retirement Savings Charges 2024/2025 – To view click HERE
- Parktown Offices Relocation from May 2024 – To view click HERE
- Latest Investment Portfolio Returns March 2025 – To view click HERE
- Our New Brand – To view click HERE
- Latest Investment Portfolio Fact Sheets
- Wealth Builder Portfolio Fact Sheet – To view click HERE
- Inflation Protector Portfolio Fact Sheet – To view click HERE
- Pension Protector Portfolio Fact Sheet – To view click HERE
- Money Market Portfolio Fact Sheet – To view click HERE
- Pensioner Portfolio Fact Sheet – To view click HERE
- 27Four Shari’ah Multi-Managed Balance Fund Monthly Report – To view click HERE
- Income Tax Deduction Directives for Pensioners 1 March 2024 – 28 February 2025 – To view click HERE
- Pension Increase 2024 – To view click HERE
- Changes to the Board of Trustees and Sub-Committees – To view click HERE
- Protection of Personal Information Act (POPIA) – To view click HERE
Pensioner Tax Directives
- Income Tax Deduction Directives for Pensioners 1 March 2024 – 28 February 2025 – To view click HERE
- Tax deduction (PAYE) options for pensioners
Multiple sources of remuneration. This only applies to pensioners who, in addition to a Sentinel pension, also receive another pension, annuity income and/or salary, from a different source, and for whom SARS has issued a Tax Directive – To view click HERE
System Upgrade Communication
- Online Portal New Features – To view click HERE
- New Secure Online Portal Available – 02 July 2024 – To view click HERE
- System Migration General Reminder – 14 June 2024 – To view click HERE
- System Migration General Reminder – 5 June 2024 – To view click HERE
- New System Implementation – To view click HERE
- New Systems Implementation – Member Investment Choice – To view click HERE
Employers
Contribution Data Uploads
Only use this login panel if you are an existing employer with Sentinel Retirement Fund – LOGIN
