When reality starts to matter ... It may be hard to admit, but even an independent woman such as yourself, sometimes dreams of a fairytale prince who will take care of her for the rest of her life… happily ever after of course! But reality is sometimes a little less romantic – you may remain single, lose your husband in the prime of your life, or your marriage may end in divorce. However, despite life’s uncertainties you can still make sure that your retirement is the royal encore to a life well lived! Retirement Investment Solutions Liberty Investments Choose from Liberty Investments’ flexible range of retirement investment solutions which makes the best use of the time you have left until retirement so that you can look forward to what should be a truly special time in your life. And remember, even if you belong to a pension or provident fund it is always a wise financial decision to make additional provision by means of a retirement annuity. And here’s more great news: as a retirement annuity functions independently of your employment or employer, changing jobs has no impact on your savings! It also makes retirement savings easier if you are self-employed. Tailored retirement plans Our retirement annuities will help you reach your retirement goals – whether you’re dreaming of retiring to a seaside cottage or looking forward to travelling the world – at your own pace. In addition, our preserver products enable you to safeguard any pension or provident fund payouts you may receive if you change jobs. • Liberty Investments’ Retirement Annuity Builder allows you to take advantage of the generous tax concessions currently available to retirement funds in South Africa. Your regular premiums allow you to build capital for your retirement, which you can then use to purchase an annuity when you retire. At retirement, up to one third of the proceeds of the investment may be taken as a lump sum, while the balance must be used to purchase a compulsory annuity. • The tax-efficient Retirement Annuity Plan provides access to world-class investment management and portfolios that have been constructed to meet the needs of long-term investors. It is aimed at investors who would like to make a lump sum investment, but it also offers you the flexibility to pay additional amounts into the policy at any time. At retirement, up to one-third of the proceeds of the investment may be taken as a lump sum, while the balance must be used to purchase a compulsory annuity. • Our Pension Fund Preserver and Provident Fund Preserver are both tax-efficient single premium retirement investments that enable you to preserve retirement fund payouts from your prior membership of a pension or provident fund. It’s a smart way to preserve your money as you will pay no tax on the transferred funds into the preserver policy. Your Options at Retirement With the compulsory portion of the proceeds from your retirement products you can either: • buy a Life Annuity that will provide a guaranteed regular income for life, or • invest in a Living Annuity that gives you the flexibility to change your level of income over time (but the monthly income amount is not guaranteed). Attractive extras With Liberty Investments you always get more than you expect – because that’s the way life’s supposed to be! Investment portfolios We offer you a comprehensive range of protected and unprotected investment portfolios. It is important not to only look at the numbers, but also to consider your unique needs. The selection of portfolios will allow you to tailor-make and manage your investment according to your investment objectives, risk appetite and the time left to your dream retirement. Investment guarantees We understand that you may need guarantees and the peace of mind that comes with it. An investment guarantee protects your retirement funds against the volatility of the investment markets, ensuring that you will always receive a minimum guaranteed return irrespective of market movements. Death benefit This benefit is already included in your retirement product at no extra charge. The death benefit equals the higher of the total premiums invested (less any legislative withdrawals) and the value of the retirement fund. In addition, the following benefits are also available under the Retirement Annuity Builder: Maternity leave premium holiday Mothers-to-be have the option on the Retirement Annuity Builder to suspend their premium payments for up to six months while they are on maternity leave with no early termination charges applying. Policy bonus On the Retirement Annuity Builder, you will receive 25% of the accumulated ongoing management fees deducted during the first five years as a policy bonus at the fifth policy anniversary. However, the policy bonus only applies if the total of the regular premiums during the first five years add up to R30 000 or more. Optional benefits Because we never know what awaits us around the next corner, we offer you two optional benefits under the Retirement Annuity Builder, just in case… Retrenchment cover Should you be retrenched and unable to find employment within a month, Liberty Investments will pay all the regular premiums for the next 12 months (excluding additional increases to the regular premium and automatic premium increases in the preceding 12 months). This benefit will pay for 12 months even if you find employment in the meantime. Why must you risk losing your retirement planning when you lose your job? Disability cover Should you become disabled, Liberty Investments will pay all the regular premiums due on your Retirement Annuity Builder until the end of the benefit term. The benefit excludes ad hoc increases to the regular premium and automatic premium increases in the preceding 12 months. With Liberty Investments’ clever retirement solutions you can give yourself the peace of mind that your retirement is taken care of no matter what. And if Prince Charming happens to put in an appearance, well, that’s a bonus! Phone me for further assistance - Andrè Britz 0828775650
Posted on: Thu, 18 Dec 2014 19:15:04 +0000
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