How the Discovery–DWD Partnership is Empowering South Africans to Build Stronger Financial Futures

How the Discovery–DWD Partnership is Empowering South Africans to Build Stronger Financial Futures

In a world where financial security has become more important—and more challenging—than ever, the partnership between Discovery and DWD Financial Planners is helping South Africa?"> South Africans take control of their financial wellbeing. By combining Discovery’s market-leading products with DWD’s personalised financial planning approach, clients benefit from a powerful ecosystem designed to reward smart decisions, reduce risk, and build long-term wealth.

A Partnership Rooted in Shared-Value

Discovery’s shared-value philosophy is simple:
When people engage in healthier, safer, and more responsible behaviours, they should be rewarded for it.

Through products such as Discovery Life, Discovery Invest, Discovery Insure, and Vitality, individuals can earn rewards, lower premiums, and improve their financial position simply by making better lifestyle and financial choices.

At DWD Financial Planners, we integrate these Discovery solutions into our clients’ broader financial plans—ensuring that they not only benefit from the rewards, but also use them to strengthen their long-term financial strategy.

Real Impact: How Discovery Products Support DWD Clients

Take Melissa, a 52-year-old mother of two from Johannesburg South. After switching to Discovery Life and Discovery Invest with guidance from DWD:

  • She improved her long-term risk profile
  • Reduced premiums through ongoing Vitality engagement
  • Boosted her investment contributions using earned rewards
  • Strengthened her estate planning and retirement outlook

This partnership allowed her to transform everyday choices—fitness, driving behaviour, financial discipline—into measurable long-term gains.

Why This Matters

Discovery’s shared-value model aligns perfectly with DWD’s mission:
Empower individuals with tools, guidance, and strategies that reward better choices—today and for decades to come.

From retirement planning and risk cover to investment portfolios and estate structuring, DWD helps clients maximise the full value of Discovery’s innovations while maintaining independent, client-first advice.

Plan Today.

Prosper Tomorrow.
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Plan your retirement with confidence. Calculate how much you need to save to enjoy the lifestyle you want.

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In today's money (we adjust for inflation)
You Need to Save
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per month to reach your goal
Years Until Retirement 0 years
Years in Retirement 20 years
Total Needed at Retirement R 0
Current Savings Will Grow To R 0
Gap to Fill R 0
Current Monthly Contribution R 0
Additional Savings Needed R 0
You're on track!
Note: These are estimates. Consult a financial advisor for personalized advice.
Net (Take-Home) Pay
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per month
Tax Breakdown
Gross Income R 0
Income Tax (PAYE) -R 0
UIF Contribution -R 0
Additional Information
Effective Tax Rate 0%
Tax Threshold R 0
Note: Based on 2025/2026 South African tax tables. UIF capped at R 204.64/month. Results are estimates.
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Future Value
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after 10 years
Investment Summary
Total Contributions R 0
Interest Earned R 0
Return on Investment 0%
Note: Past performance doesn't guarantee future results. Consider fees, taxes, and market volatility in real investments.
Debt-to-Income Ratio
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Monthly Summary
Gross Monthly Income R 0
Total Monthly Debt R 0
Available After Debt R 0
Excellent financial health!
Debt Breakdown
Guidelines: Below 20% = Excellent • 20-35% = Good • 36-42% = Manageable • Above 43% = High Risk. Lenders typically prefer DTI below 43%.

Frequently Asked Questions

What is Discovery’s shared-value model?
It rewards people for making healthier, safer, and more responsible decisions that improve both lifestyle and financial outcomes
How does Discovery encourage better long-term habits?
Through Vitality rewards, behavioural incentives, and product structures that benefit clients who engage consistently
Why is Discovery relevant to DWD clients?
Discovery’s products align with DWD’s mission to empower clients to build sustainable, long-term financial security
Can DWD help clients who use Discovery products?
Yes, DWD provides independent financial planning that integrates and optimises Discovery Life, Invest, Insure, and Vitality