Innovative Products

Products designed to help unlock uncapped employee contentment
Health, happiness, freedom, security – these are the things that people want most of all, and we want to help people get them. That’s why we’ve been providing versatile, smart employee benefits products since 1992.
NMG Umbrella SmartFund

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NMG Umbrella SmartFund
This multi-employer umbrella retirement fund is our flagship fund. By combining the contributions of many employers and members together, the fund drives down costs for employers while delivering stronger returns for our employee retirement benefits members.

Employers can choose their level of involvement in managing the fund, as well as the most appropriate investment strategy from the range offered by the fund, which includes NMG’s SmartAssets and third-party fund managers.
NMG Benefits Diagnostic Tool

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NMG Benefits Diagnostic Tool
This is a unique employer benefits diagnostic tool in the form of a web-based application that enables employers to measure the effectiveness of their holistic employee benefits programme.
It features three assessments: ‘Health and Wellness’, ‘Remuneration and Engagement’ and ‘Retirement and Insurance’.
NMG SmartAlec

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NMG SmartAlec
This easy-to-use AI tool powered by FinEazy bridges the gap between financial products and people with an ultra-intuitive WhatsApp chatbot.

Influenced by gamification design principles, NMG SmartAlec supports financial literacy through storytelling, engagement and conversational learning. The Whatsapp chat experience is designed to offer a range of educational financial courses: Basic Finance 1 and 2, Retirement, Insurance, Healthcare and Advanced Retirement Fund.
NMG SmartAid

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NMG SmartAid
This allows a member or employee to invest in a retirement annuity separately from their pension or provident fund for enhanced quality of life in retirement.

To cater for the high cost of healthcare post retirement, we have launched NMG SmartAid in partnership with Colourfield.

SmartAid takes your actual circumstances into account to determine if you are on track to meet your goal. An investment strategy is set for you and your personal investment. It is reviewed once a year and adjusted to meet your own needs. A personalised statement will be sent annually to show whether you are on track to achieve your long-term goal.
NMG Essentials

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NMG Essentials
This innovative solution is designed to elevate the medical cover of the employees that are often reliant on limited government healthcare service providers.

Our expertise and insight extend across the entire financial industry, and it is our mission to ensure that all members receive the best financial advice for their circumstances.
We have conducted consumer research to understand the priorities and drivers for lower income earning employees. As a result, we have packaged three levels of cover, namely NMG Essentials 250 (for a total cost of R250 per member, per month), Essentials 500, and Essentials 1,000, offering funeral, medical and savings in one package.
NMG SmartGate

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NMG SmartGate
This smart web portal gives both employers and members access to their benefits information, planning and predictive capabilities to enhance financial futures.

Members are encouraged to make better financial decisions when they understand their overall financial position. The portal allows members to better understand how their current and future savings will determine the income they can expect at retirement.
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