By Ayanda Dlamini
For years, retirement savings in Eswatini have largely been the domain of big corporations, leaving small business owners and their employees without structured financial protection for the future.
‘The Bizz Solution’, a retirement solution for the modern day employer who is concerned about employee wellness is changing that narrative; offering an accessible, tax-efficient, and reward-based savings plan designed specifically for the nation’s most dynamic business segment.
“The Bizz Solution ensures that even the smallest enterprises whether it’s a salon, bakery, or construction firm, can now provide their employees with a secure and sustainable retirement plan,” said Samkelo Ginindza, Head of Design at Oracle Life at the entity’s Annual General Meeting.
The initiative represents a growing commitment to supporting entrepreneurs who form the backbone of Eswatini’s economy.
Complementing The Bizz Solution is the Rewarder Programme, an innovative benefit that offers instant discounts and give-backs at selected retail outlets nationwide.
Members of The Bizz Solution begin enjoying these rewards from the day they join the scheme.
According to Lungile Tessa Simelane, Senior Employee Benefits Administrator at Oracle Group, the dual approach of long-term savings and short-term incentives is designed to encourage participation and improve financial habits among small business owners.
“Oracle Life has now created a tax-efficient local solution that keeps funds in the country while rewarding members for every step they take toward their financial security.”
Through the Oracle Umbrella Provident Fund, which manages over E400 million across 80 employers, The Bizz Solution enables both business owners and employees to contribute as little as five per cent of monthly earnings.
Oracle Life then manages and grows these funds through carefully structured portfolios that have demonstrated impressive performance 16.42 per cent for the Accelerator Investment Portfolio and 15.18 per cent for the Guaranteed Capital Portfolio over the 12 months ending 30 September 2025.
The simplicity of the product is one of its biggest advantages.
With minimal KYC requirements, flexible contributions, and digital onboarding, even informal and micro-enterprises can participate with ease. Upon retirement, members receive their accumulated benefits tax-free, ensuring peace of mind and dignity in later years.
As Oracle Life celebrates over ten years of success, the introduction of The Bizz Solution underscores its reputation as one of Eswatini’s most forward-thinking financial institutions.
From digitizing medical underwriting to launching self-service member portals, the company continues to modernize the way retirement funds are managed and experienced.
“By bringing MSMEs into the fold, we’re ensuring that the entire spectrum of our economy, large or small, has access to sustainable, professionally managed retirement solutions,” Ginindza added.
Oracle Life’s Bizz Solution and Rewarder Programme together symbolize a new chapter in Eswatini’s financial landscape one where entrepreneurship, security, and innovation work hand in hand.
For the nation’s small business owners, this is more than just a retirement plan; it’s a step toward lasting empowerment and financial independence.