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

December 12, 2025 by MyDailyLink Staff
How the Discovery–DWD Partnership is Empowering South Africans to Build Stronger Financial Futures

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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.

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Prosper Tomorrow.
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Financial Calculators

Find out if you are on track for retirement — and how much more you need to save. Powered by 8% p.a. growth assumptions. Estimates only; speak to DWD for a personalised projection.

Calculate exactly how much life cover your family needs if something happens to you — including income replacement, debt clearance, and education funding.

Estimate how much SARS tax you will pay on your pension or provident lump sum using the official 2024/25 retirement fund tax tables. For amounts above R3 million, contact DWD directly.

Answer 10 quick yes/no questions to identify gaps in your estate plan — and get personalised recommendations from DWD's estate planning specialists.

35
Include RA, pension/provident fund, and other long-term investments.
Include employer and employee contributions to pension, provident, and RA.

Projected Savings at Retirement

R 0
Readiness Analysis Fair
Years to retirement 25 years
Retirement income target R 0
Monthly income in retirement R 0
Funding gap / surplus —
Additional monthly needed —

Get a personalised retirement plan from DWD's independent advisors — no obligation, no cost.

Book a Free Retirement Review Call 082 783 3369
2
Include a spouse/partner, children, and any other people dependent on your income.
Include home loan, vehicle finance, credit cards, and personal loans.
Include employer group life, personal policies, and funeral cover.

Total Life Cover Recommended

R 0
Cover Breakdown Underinsured
Income replacement (10× annual) R 0
Debt clearance R 0
Education fund for dependents R 0
Estate & executor costs (est.) R 50,000
Less: existing cover R 0
Cover gap / surplus —
Est. monthly premium range —
Recommended product type —

Get an exact life cover quote from DWD — we compare multiple providers to find you the best value.

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R 500,000
Slide to select your lump sum amount up to R3 million. Contact DWD for larger amounts.
Retirement and retrenchment attract a more favourable tax rate with a higher tax-free threshold.
SARS aggregates all lifetime retirement fund withdrawals when applying the tax tables. This reduces the tax-free portion available.
SARS 2024/25 Tax Tables Applied This estimator uses the official SARS retirement fund lump sum tax tables. Tax on retirement/retrenchment: R0–R550,000 @ 0%, R550,001–R770,000 @ 18%, R770,001–R1,155,000 @ 27%, above R1,155,000 @ 36%. Speak to DWD for a precise calculation based on your full retirement history.

Estimated Net Payout (after tax)

R 500,000
Tax Breakdown 0% rate
Gross lump sum R 500,000
Tax-free portion R 500,000
SARS tax payable R 0
Net payout R 500,000
Effective tax rate 0.0%
Marginal tax rate (top bracket) 0%

DWD can help you structure your retirement lump sum to minimise SARS tax — including preservation fund strategies.

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Your progress 0 of 10 answered

1. Do you have a valid, signed will that has been updated in the last 5 years?

2. Are your beneficiary nominations up to date on all policies and retirement funds?

3. Have you nominated an executor in your will to administer your estate?

4. Do you have life cover sufficient to cover estate duties, executor fees, and outstanding debts?

5. Have you considered the estate duty implications on your assets? (Estate duty applies above R3.5 million at 20%.)

6. If you have minor children, have you nominated a legal guardian in your will?

7. Have you considered a testamentary trust to protect assets left to minor or vulnerable beneficiaries?

8. Do you have a Tax-Free Savings Account (TFSA) or endowment policy as part of your wealth strategy?

9. Is a trusted family member aware of the location of your will, policies, and important financial documents?

10. Have you reviewed your estate plan with a qualified financial planner in the last 3 years?

— / 10
Answer to see your score

Answer all 10 questions to get your personalised estate planning readiness rating and a list of gaps DWD can help you address.

Gaps identified — DWD recommends:

Complete all 10 questions to unlock your free estate planning assessment.

Book a Free Estate Planning Review Call 082 783 3369

DWD Financial Planners Areas Served

Lethabong, South Africa , Sandton, South Africa , Alberton, South Africa , Bedfordview, South Africa , Germiston, South Africa , Roodepoort, South Africa , Johannesburg South, South Africa , Centurion, South Africa , Randburg, South Africa , Krugersdorp, South Africa , Midrand, South Africa , Benoni, South Africa , Kempton Park, South Africa , Soweto, South Africa , Phoenix, South Africa , Pretoria, South Africa , Bloemfontein, South Africa , Cape Town, South Africa , Pietermaritzburg, South Africa , Gillitts, South Africa , Berea, South Africa , Umhlanga, South Africa , East London, South Africa , Port Elizabeth, South Africa , Polokwane, South Africa

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