Financial Planning

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FINANCIAL PLANNING

Financial planning is the process of structuring and arranging your financial resources to meet your life goals. These can be as short term as saving for a car, to long term planning for retirement. Risk Planning for life changing events. Financial Planning aims to provide financial certainty and clarity on your current and future Financial Wellbeing.

SAVINGS & INVESTMENTS

Investing or saving money is key to achieving the goals you have set in life.

RETIREMENT PLANNING

Retirement planning is key if you want to enjoy your retirement.

PENSION & PROVIDENT FUNDS

COMING SOON

BENEFITS OF FINANCIAL PLANNING

Having a detailed financial plan provides a robust framework through which prudent financial decisions in all spheres of your financial life can be made.
Like with most things in life, having and sticking to a plan allows you the best possible chance of success. In this instance it means achieving your life goals and long term financial security.

RISK PLANNING

Risk Planning or life cover is a means of ensuring that your family or dependants are financially secure in the event of a death or disability. Things to consider when investing in life insurance policies:
• How much life cover do I need?
• How and when will my policy be paid out?
• Are there options of having readily available cash while my estate is being wound up?
Life insurance quotes are available from a accredited Planner to choose the life cover that suits your needs.

RETIREMENT

Retirement planning is key if you want to enjoy your retirement. Retirement planning consists of two phases: pre-retirement funding and post-retirement income. Pre-retirement funding means investing in a retirement annuity. Things to consider include how much you can currently afford to invest and how long you have until you reach retirement age.

The second phase – post-retirement income – requires investing the proceeds of your retirement annuity into a life or living annuity. Post-retirement income considerations include choosing a product that is able to sustain capital growth while you receive an income and regularity of income payments.

Retirement Funding – Pre Retirement

Retirement Income – Post Retirement

SA Retirement Annuity Fund

• Largest RA fund.
• Lump sum or per month investment.
• Flexible choice of investments.
• Online portfolio view.

Max Investments

• R250/month.
• Switch between funds.
• Access funds after age 55.
• Flexible or fixed payment options.

Units Trust Retirement Annuity

• R500/month.
• Access funds after age 55.
• Switch between funds.
• Buy direct or via adviser.

Max Income

• R10 000 minimum investment.
• Income for a term or life.
• Tax-efficient investment.
• Personalise your plan.

 

Unit Trusts Living Annuity

• R50 000 minimum investment.
• Invest in up to 5 unit trusts.
• Switch between funds.
• Online transacting.

Investment

• Min R100 000 investment.
• Cost Effective.
• Multiple award winning funds.
• Easy to understand.

SAVINGS & INVESTMENTS

Investing or saving money is key to achieving the goals you have set in life. A number of investment and savings solutions in which you can invest are available and each one is structured to meet a selection of investment needs where you are in your life stage, we can help you to find; where and at what stage you are.

Start by identifying your goal – are you investing for growth or for income?

INVESTING FOR GROWTH

Means you are willing to invest a lump sum or on a monthly basis for a select period of time.

Max Investments

• Affordable minimums.
• Flexible and/or fixed payments.
• Access to leading investment funds.

Unit Trust Investments

• R500/month minimum.
• Invest via adviser strategy
• Access to funds.
• No contractual term.

Investment

• Monthly and Single premium investments.
• Cost Effective.
• Multiple award winning funds.
• Easy to understand.

INVESTING FOR INCOME

Means you need a product that will ensure some capital growth and pay out an income on a regular basis.

Max Income Solution

• R10 000 lump sum to invest.
• Guaranteed income for term or life.
• Choose your income frequency.

Unit Trust Investments

• Invest R10000 lump sum or R500/month.
• Choice of income-generating funds.
• Access to wide range of funds.

Investment

• R100 000 investments to provide income monthly.
• Cost Effective.
• Multiple award winning funds
• Easy to understand.

COMING SOON: PENSION & PROVIDENT FUND

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