A RANGE OF INVESTMENT SOLUTIONS TO MEET DIVERSE CLIENT NEEDS
|
|
|
- Bertha Parks
- 5 years ago
- Views:
Transcription
1 A RANGE OF INVESTMENT SOLUTIONS TO MEET DIVERSE CLIENT NEEDS Choose the most suitable investment solutions for your clients with the Glacier Solutions Guide.
2 You have many clients, each with their own journey. We are committed to helping you provide investment solutions that best suit the needs of you clients. Because the sheer diversity of our range of solutions could be overwhelming, we ve introduced the Glacier Solutions Guide, a tool specifically created to help you navigate through our solution set and make the most suitable choices for each one of your clients. The Glacier Solutions Guide takes into account a client s investment needs, risk tolerance, income requirements and legacy intentions. The tool covers the three main investment objectives: Saving for retirement Receiving an income during retirement Saving discretionary money for specific life goals
3 SAVING FOR RETIREMENT Saving enough for retirement is one of your clients greatest priorities, and probably also one of their biggest concerns. Help them lay the foundation for a bright future with our retirement saving solutions. Scenario One wants to: Preserve existing pension or provident fund savings Start or add to retirement savings A loyalty bonus or funds with a guarantee and market Funds or share portfolio with full market A Sanlam Cumulus Echo Preserver Scenario Two wants to: Preserve existing pension or provident fund savings Start or add to retirement savings A loyalty bonus or funds with a guarantee and market Funds or share portfolio with full market A Glacier Personal Portfolios Preservation Fund GLACIER SOLUTIONS GUIDE APRIL
4 Scenario Three wants to: Preserve existing pension or provident fund savings Start or add to retirement savings The Glacier Retirement Annuity Plan 2 GLACIER SOLUTIONS GUIDE APRIL 2018
5 INCOME DURING RETIREMENT One of the most important decisions your clients need to make when they retire, is how best to employ their retirement savings to generate an income that will meet their needs for the rest of their lives. Scenario One requires: A fixed retirement income that is fully guaranteed (no market ) Flexible retirement income and capital with full market (no guarantees) Some certainty around retirement income with some market A death benefit, and will accept a lower income Higher income without any death benefit The Sanlam Capital Protection Life Annuity OR The Sanlam Inflation-Linked Life Annuity with capital preservation GLACIER SOLUTIONS GUIDE APRIL
6 Scenario Two requires: A fixed retirement income that is fully guaranteed (no market ) Flexible retirement income and capital with full market (no guarantees) Some certainty around retirement income with some market A death benefit, and will accept a lower income Higher income without any death benefit The Sanlam Life Annuity Scenario Three requires: A fixed retirement income that is fully guaranteed (no market ) Flexible retirement income and capital with full market (no guarantees) The Glacier Investment-Linked Living Annuity (ILLA) 4 GLACIER SOLUTIONS GUIDE APRIL 2018
7 Scenario Four requires: A fixed retirement income that is fully guaranteed (no market ) Flexible retirement income and capital with full market (no guarantees) Some certainty around retirement income with some market They have: No need to leave a legacy The desire to leave some legacy The Glacier Investment-Linked Lifetime Income Plan (ILLI) Scenario Five requires: A fixed retirement income that is fully guaranteed (no market ) Flexible retirement income and capital with full market (no guarantees) Some certainty around retirement income with some market They have: No need to leave a legacy The desire to leave some legacy A guaranteed income amount with no market A guaranteed number of retirement income units (with market ) A combination of the Sanlam Life Annuity and the Glacier Investment-Linked Living Annuity (ILLA) GLACIER SOLUTIONS GUIDE APRIL
8 Scenario Six requires: A fixed retirement income that is fully guaranteed (no market ) Flexible retirement income and capital with full market (no guarantees) Some certainty around retirement income with some market They have: No need to leave a legacy The desire to leave some legacy A guaranteed income amount with no market A guaranteed number of retirement income units (with market ) A combination of the Glacier Investment- Linked Lifetime Income Plan (ILLI) and the Glacier Investment-Linked Living Annuity (ILLA) 6 GLACIER SOLUTIONS GUIDE APRIL 2018
9 DISCRETIONARY SAVINGS s want to invest in the financial markets to grow their assets whether it is to pay off debt, save for their children s education, contribute to their retirement savings, or simply to ensure financial security. Scenario One wants: To receive a regular income from savings To save for capital growth without an income To park savings and enter the market at a later stage prefer their income: To be fixed and guaranteed (no market ) To be flexible with market They are willing: To fund a higher guaranteed income with a full savings amount To have a lower guaranteed income and preserve capital The Sanlam Guaranteed Income policy GLACIER SOLUTIONS GUIDE APRIL
10 Scenario Two wants: To receive a regular income from savings To save for capital growth without an income To park savings and enter the market at a later stage prefer their income: To be fixed and guaranteed (no market ) To be flexible with market They are willing: To fund a higher guaranteed income with a full savings amount To have a lower guaranteed income and preserve capital The Sanlam Cumulus Fixed Investment plan 8 GLACIER SOLUTIONS GUIDE APRIL 2018
11 Scenario Three wants: To receive a regular income from savings To save for capital growth without an income To park savings and enter the market at a later stage prefer their income: To be fixed and guaranteed (no market ) To be flexible with market The Glacier Investment plan Scenario Four wants: To receive a regular income from savings To save for capital growth without an income To park savings and enter the market at a later stage To secure a guaranteed return (no market ) A guarantee with market Full market without any guarantee The Sanlam Cumulus Fixed Return policy GLACIER SOLUTIONS GUIDE APRIL
12 Scenario Five wants: To receive a regular income from savings To save for capital growth without an income To park savings and enter the market at a later stage To secure a guaranteed return (no market ) A guarantee with market Full market without any guarantee In addition they want: Full capital guarantee without access to capital in the first five years Partial capital guarantee with investment choice and restricted access to capital in the first five years The Glacier Capital Enhancer or The Glacier Return Enhancer 10 GLACIER SOLUTIONS GUIDE APRIL 2018
13 Scenario Six wants: To receive a regular income from savings To save for capital growth without an income To park savings and enter the market at a later stage To secure a guaranteed return (no market ) A guarantee with market Full market without any guarantee In addition they want: Full capital guarantee without access to capital in the first five years Partial capital guarantee with investment choice and restricted access to capital in the first five years The Sanlam Cumulus Investment plan (Endowment) GLACIER SOLUTIONS GUIDE APRIL
14 A RANGE OF INVESTMENT SOLUTIONS TO MEET DIVERSE CLIENT NEEDS Sanlam Cumulus Echo Preserver Gla Preser Fu Sanlam Capital Protection Life Annuity Sanlam Inflation- Linked Life Annuity with Capital Preservation Sanlam Guaranteed Income Policy Sanlam Cumulus Fixed Investment Gla Invest Lin Lifet Incom (IL Glacier Capital Enhancer Sanlam Cumulus Investments (Endowments) Glacier Return Enhancer Sanlam Cumulus Fixed Return Gla Van Life (End me 12 GLACIER SOLUTIONS GUIDE APRIL 2018
15 cier vation nd Glacier Retirement Annuity Plan Sanlam Life Annuity Glacier Investment- Linked Living Annuity (ILLA) cier mentked ime e Plan LI) Glacier Investment Plan Glacier International Global Collection Plan Glacier Tax-Free Investment plan Glacier International Global Life Plan cier tage Plan ownt) Glacier Cash Option 13 GLACIER SOLUTIONS GUIDE APRIL 2018 For more information, visit
16 Scenario Seven wants: To receive a regular income from savings To save for capital growth without an income To park savings and enter the market at a later stage To secure a guaranteed return (no market ) A guarantee with market Full market without any guarantee In addition they want: Tax-free investment returns, limited to a contribution of R each year To make a regular contribution over and above the monthy TFSA limit of R2 750 To save a lump sum in addition to the annual TFSA limit of R The Glacier Tax-free Investment Plan 14 GLACIER SOLUTIONS GUIDE APRIL 2018
17 Scenario Eight wants: To receive a regular income from savings To save for capital growth without an income To park savings and enter the market at a later stage To secure a guaranteed return (no market ) A guarantee with market Full market without any guarantee In addition they want: Tax-free investment returns, limited to a contribution of R each year To make a regular contribution over and above the monthy TFSA limit of R2 750 To save a lump sum in addition to the annual TFSA limit of R The Glacier Investment Plan GLACIER SOLUTIONS GUIDE APRIL
18 Scenario Nine wants: To receive a regular income from savings To save for capital growth without an income To park savings and enter the market at a later stage To secure a guaranteed return (no market ) A guarantee with market Full market without any guarantee In addition they want: Tax-free investment returns, limited to a contribution of R each year To make a regular contribution over and above the monthy TFSA limit of R2 750 To save a lump sum in addition to the annual TFSA limit of R They need: Unlimited access to capital in the first five years Full access to capital after five years The Glacier Investment Plan 16 GLACIER SOLUTIONS GUIDE APRIL 2018
19 Scenario Ten wants: To receive a regular income from savings To save for capital growth without an income To park savings and enter the market at a later stage To secure a guaranteed return (no market ) A guarantee with market ) Full market without any guarantee In addition they want: Tax-free investment returns, limited to a contribution of R each year To make a regular contribution over and above the monthy TFSA limit of R2 750 To save a lump sum in addition to the annual TFSA limit of R They need: Unlimited access to capital in the first five years Full access to capital after five years Their marginal tax rate: Is less than 30% Is greater than 30% like: To invest offshore, using foreign currency A rand-based investment The Glacier International Global Life Plan GLACIER SOLUTIONS GUIDE APRIL
20 Scenario Eleven wants: To receive a regular income from savings To save for capital growth without an income To park savings and enter the market at a later stage To secure a guaranteed return (no market ) A guarantee with market Full market without any guarantee In addition they want: Tax-free investment returns, limited to a contribution of R each year To make a regular contribution over and above the monthy TFSA limit of R2 750 To save a lump sum in addition to the annual TFSA limit of R They need: Unlimited access to capital in the first five years Full access to capital after five years Their marginal tax rate: Is less than 30% Is greater than 30% like: To invest offshore, using foreign currency A rand-based investment The Glacier International Global Collection Plan 18 GLACIER SOLUTIONS GUIDE APRIL 2018
21 Scenario Twelve wants: To receive a regular income from savings To save for capital growth without an income To park savings and enter the market at a later stage To secure a guaranteed return (no market ) A guarantee with market Full market without any guarantee In addition they want: Tax-free investment returns, limited to a contribution of R each year To make a regular contribution over and above the monthy TFSA limit of R2 750 To save a lump sum in addition to the annual TFSA limit of R They need: Unlimited access to capital in the first five years Full access to capital after five years Their marginal tax rate: Is less than 30% Is greater than 30% like: To invest offshore, using foreign currency A rand-based investment The Glacier International Global Life Plan GLACIER SOLUTIONS GUIDE APRIL
22 Scenario Thirteen wants: To receive a regular income from savings To save for capital growth without an income To park savings and enter the market at a later stage To secure a guaranteed return (no market ) A guarantee with market Full market without any guarantee In addition they want: Tax-free investment returns, limited to a contribution of R each year To make a regular contribution over and above the monthy TFSA limit of R2 750 To save a lump sum in addition to the annual TFSA limit of R They need: Unlimited access to capital in the first five years Full access to capital after five years Their marginal tax rate: Is less than 30% Is greater than 30% like: To invest offshore, using foreign currency A rand-based investment The Glacier Vantage Life Plan (Endowment) 20 GLACIER SOLUTIONS GUIDE APRIL 2018
23 Scenario Fourteen wants: To receive a regular income from savings To save for capital growth without an income To park savings and enter the market at a later stage The Glacier Cash Option GLACIER SOLUTIONS GUIDE APRIL
24 22 GLACIER SOLUTIONS GUIDE APRIL 2018
25 YOUR EXPERTISE AND OURS: A POWERFUL COMBINATION At Glacier, we help you with effective practice management through our meticulously designed intermediary tools Glacier s Investment Hub, our state-of-the-art system available via the online portal, allows you to: -- Manage client information easily -- Create and analyse model portfolios -- Generate customised investment proposals -- Enjoy a straight-through process for paperless applications -- Manage workflow with a helpful and intuitive dashboard Our client brochures, available on the intermediary web, will help you to explain our offering to your client in a clear and understandable way. For more information visit We understand that the number of collective investment funds available makes selecting the most suitable ones for a specific client a complex process. We offer an independent consulting service with dedicated investment professionals to assist you in the creation, GLACIER SOLUTIONS GUIDE APRIL
26 implementation and reporting of wrap funds, freeing you up to focus on offering advice and building your practice. For more information visit Our Shopping List, published quarterly, is a guide to South Africa s best funds. The list is compiled by our research team after a thorough review of the entire South African collective investment scheme universe and a rigorous selection process. The latest Shopping List is available on Our Tax-saving Comparison Tool can help you decide on the most tax-efficient savings vehicle for your client. Visit the online portal for more information. The Glacier Retirement Salary Calculator can help you guide your client to the appropriate amount to save monthly towards retirement. Visit for more information. 24 GLACIER SOLUTIONS GUIDE APRIL 2018
27 GLACIER SOLUTIONS GUIDE APRIL
28 Contact us This document is intended for use by financial intermediaries. The information in this document is provided for information purposes only and should not be construed as the rendering of advice to clients. Although we have taken reasonable steps to ensure the accuracy of the information, neither Sanlam nor any of its subsidiaries accept any liability whatsoever for any direct, indirect or consequential loss arising from the use of, or reliance in any manner on the information provided in this document. Glacier Financial Solutions (Pty) Ltd. A member of the Sanlam Group Private Bag X5 Tyger Valley client.services@glacier.co.za Tel / Fax Web Reg No 1999/025360/07 Licensed Financial Services Provider Sanlam Life Insurance Ltd. life@sanlam.co.za Tel / Fax Reg No 1998/021121/06 Licensed Financial Services Provider
INTRODUCING THE SANLAM LIFE ANNUITIES
LIFE ANNUITIES Our guaranteed life annuities give your clients the certainty of a lifelong retirement income, and the opportunity to provide for their loved ones after their death. LIFE ANNUITIES BY INTRODUCING
CUMULUS ECHO PENSION AND PROVIDENT PRESERVERS
CUMULUS ECHO PENSION AND PROVIDENT PRESERVERS For your clients, leaving an employer is part of building a career. Help them preserve and grow their hard-earned retirement savings in a product which rewards
CONFIDENT INVESTMENT AROUND RETIREMENT
CONFIDENT INVESTMENT AROUND RETIREMENT Protect your clients against market volatility, especially in the crucial years leading up to, or the early years after their retirement. THINK WORLD CLASS GLACIER
GLACIER CAPITAL ENHANCER
GLACIER CAPITAL ENHANCER September 2018 Helping your clients invest in the most appropriate solution is challenging enough without the addition of severely turbulent markets. While investors usually seek
RETIREMENT INCOME CONSIDERATIONS
RETIREMENT INCOME CONSIDERATIONS Investment-Linked Lifetime Income Plan THINK WORLD CLASS WHICH TYPE OF RETIREMENT INCOME PRODUCT TO PURCHASE? No matter who we are, we all need to make certain decisions
CUMULUS FIXED RETURN INVESTMENTS
CUMULUS FIXED RETURN INVESTMENTS In uncertain times, many investors want security. We offer your cautious clients attractive investment opportunities with the Cumulus Fixed Return Plan and the Cumulus
RETIREMENT INCOME SOLUTIONS
RETIREMENT INCOME SOLUTIONS THINK WORLD CLASS GLACIER RETIREMENT INCOME SOLUTIONS INTRODUCING GLACIER Glacier by Sanlam brings together leading experts and respected financial services companies to meet
MULTI-MANAGER WRAP FUND OFFERING
MULTI-MANAGER WRAP FUND OFFERING THINK WORLD CLASS GLACIER BY SANLAM MULTI MANAGER WRAP FUND OFFERING MULTI-MANAGER WRAP FUND OFFERING Wraps funds offer many benefits to the financial intermediary and
GLACIER INTERNATIONAL GLOBAL LIFE PLAN. Offshore investment solutions to suit every investor.
GLACIER INTERNATIONAL GLOBAL LIFE PLAN Offshore investment solutions to suit every investor. ABOUT GLACIER INTERNATIONAL Glacier International provides South African investors with direct international
GLACIER CAPITAL ENHANCER
GLACIER CAPITAL ENHANCER Third Issue Helping your clients invest in the most appropriate solution is challenging enough without the addition of severely turbulent markets. While investors usually seek
If you re thinking about international investment... Think World Class. Glacier International
If you re thinking about international investment... Think World Class. Glacier International Contents Introduction Glacier International offers you the ultimate in flexibility: whatever your risk profile,
Stokvels: The power of a collective Written by: Thobela Mfeti, Research and Investment Analyst at Glacier by Sanlam
FUNDS ON FRIDAY b y G l a c i e r R e s e a r c h 28 J u l y 2 0 1 7 V o l u m e 9 19 Stokvels: The power of a collective Written by: Thobela Mfeti, Research and Investment Analyst at Glacier by Sanlam
GLACIER INTERNATIONAL. Offshore investment solutions to suit every investor.
GLACIER INTERNATIONAL Offshore investment solutions to suit every investor. CONTENTS INTRODUCTION BENEFITS 1. Invest in as many options as you like 2. Reallocate your funds as the market and your needs
26 M a y 2017 V o l u m e b y G l a c i e r R e s e a r c h. Inflation-linked bonds An introduction
FUNDS ON FRIDAY b y G l a c i e r R e s e a r c h 26 M a y 2017 V o l u m e 9 10 Bootstrapping the term structure of priced-in future inflation from nominal and inflation-linked bonds Written by: Andreas
Retirement Annuity & Preservation Funds
FLASH FACT February 2014 FLASH 2 Cumulus Echo Retirement Annuity & Preservation Funds NEW BUSINESS AND CONVERSIONS Conversions from Legacy to Cumulus Echo Give universal life and other old generation (Legacy)
Smart Beta: A disruptive innovation that can t be ignored A South African Case Study: Dividend Equity Strategies
FUNDS ON FRIDAY b y G l a c i e r R e s e a r c h 9 J u n e 2 0 1 7 V o l u m e 9 1 2 Smart Beta: A disruptive innovation that can t be ignored A South African Case Study: Dividend Equity Strategies Written
ABOUT PRODIGY ASSET MANAGEMENT
Postal: Postnet Suite 1, Private Bag x75, Bryanston, 2021 Physical: Broadacres Business Center Cnr Cedar & 3rd Ave Broadacres Sandton Telephone: +27 11 065 9314 Email: invest@prodigyam.co.za Web: www.prodigyam.co.za
GLACIER FINANCIAL SOLUTIONS PRODUCT SUMMARY
GLACIER FINANCIAL SOLUTIONS PRODUCT SUMMARY Glacier Investment Plan An investment plan allows the investor, together with his/her financial intermediary, to either manage his/her own portfolio of funds,
Cumulus Echo Retirement Plan start saving today for a comfortable retirement
Cumulus Echo Retirement Plan start saving today for a comfortable retirement Why Sanlam? For many years we ve been in the business of planning for tomorrow. It s a meticulous process of crafting our clients
Managing retirement income if your client has not saved enough Written by Rainier van der Nest, business development manager at Glacier by Sanlam
FUNDS ON FRIDAY b y G l a c i e r R e s e a r c h 2 6 A p r i l 2 0 1 8 V o l u m e 9 5 5 Managing retirement income if your client has not saved enough Written by Rainier van der Nest, business development
03 N o v e m b e r V o l u m e 9 33 Avoid cash-trapped investing Written by: Luke McMahon, Research & Investment Analyst at Glacier by Sanlam
FUNDS ON FRIDAY b y G l a c i e r R e s e a r c h 03 N o v e m b e r 2 0 1 7 V o l u m e 9 33 Avoid cash-trapped investing Written by: Luke McMahon, Research & Investment Analyst at Glacier by Sanlam Investing
Retirement Annuity Plan. Plan description
Retirement Annuity Plan Plan description A person who wants to receive retirement annuity benefits, must be a member of a retirement annuity fund. To provide the benefits to the member, the retirement
PAT R I C K S H E E H Y
O PTIMISING ANNUITY STRATEGIES FOR A SUSTAINABLE I NCOME IN RETIREMENT PAT R I C K S H E E H Y DECIDING ON AN OPTIMAL ANNUITY STRATEGY. THE CLIENT S PERSPECTIVE Where will I get the most long term income?
Global Equity Share Portfolio. Navigate by Glacier International
Global Equity Share Portfolio Navigate by Glacier International Contents 3 Investing with Glacier International 4 What are your needs? 5 About Navigate 6 Navigate Global Equity Share Portfolio 7 Why invest
Retirement Annuity Fund
Retirement Annuity Fund Background information... 3 Purpose... 3 Benefits of investing in a RA... 5 Definitions... 5 Member... 5 Nominee... 5 Dependant... 6 Beneficiary... 6 General information... 6 Registration...
INVEST WITH NEDGROUP INVESTMENTS
INVEST WITH NEDGROUP INVESTMENTS At Nedgroup Investments we offer access to a range of South African and offshore unit trust portfolios to meet a full spectrum of investment and lifestyle and savings needs.
Sanlam Umbrella Fund Member guide to investment options in the Fund
Sanlam Umbrella Fund Member guide to investment options in the Fund Date issued January 2018 Table of Contents Overview 3 Trustee-approved investment strategies 4 1. Sanlam Lifestage 4 2. Volatility Protection
Glacier Investment-Linked Lifetime Income
Product description... 3 Product features... 3 Investor type... 3 Minimum age... 4 Product minimum... 4 Type of investments... 4 Product flexibility... 4 Source of funds... 6 Investment options... 6 Income...
Sanlam Umbrella Fund Member guide to investment options in the Fund
Sanlam Umbrella Fund Member guide to investment options in the Fund Date issued May 2018 Table of Contents Overview 3 Trustee-approved investment strategies 4 1. Sanlam Lifestage 4 2. Volatility Protection
cumulus echo retirement plan pension booster
cumulus echo retirement plan pension booster You are already a member of the Central Retirement Annuity Fund (the Fund). You apply on behalf of the Fund for the alteration of this plan with Sanlam Life
Glacier Investment-Linked Living Annuity - Personal Portfolio Living Annuity
Glacier Investment-Linked Living Annuity - Personal Portfolio Living Annuity Background information... 2 The definition in the Income Tax Act... 2 Member-owned vs fund-owned... 3 Living annuity vs conventional
/ Welcome to Sanlam Private Wealth
/ Welcome to Sanlam Private Wealth Nothing is more important to us than our relationship with you. You can be sure that we will give the product of your life s work the respect and attention it deserves.
Savings solutions by PPS Investments
Savings solutions by Investments Established in 2007, Investments is the savings and investment provider of choice for graduate professionals. Through rigorous research and analysis, Investments provides
Methods of Giving to the University of Florida
I am pleased to have been able to make this gift to the university, but I am doubly pleased to know this was a good financial choice for me and my family that will reap benefits for many years to come.
Tax Free Savings Account
nt ou cc sa ing av es Fre Ta x Tax Free Savings Account Investors looking to save for different reasons over the medium to long term, and who are looking for tax free returns with investment flexibility
Retirement Planning Update. Are you thinking of retiring?
Retirement Planning Update Are you thinking of retiring? Pensions and Retirement planning are always very topical items. In this series of Pension updates, Bank of Ireland Private Banking provides you
Satrix Retirement Plan Application Form
Satrix Retirement Plan Application Form About the structure of this product Satrix Managers RF (Pty) Ltd provides an investment management solution within the Satrix Retirement Plan. This is offered under
cumulus echo retirement plan conversion
cumulus echo retirement plan conversion Working of the plan In order to receive the retirement annuity benefits, you became a member of the Central Retirement Annuity Fund (the FUND). The FUND holds a
Sanlam Staff Umbrella Pension and Provident Funds (SSUF) Paid-up Member Guide
Sanlam Staff Umbrella Pension and Provident Funds (SSUF) Paid-up Member Guide Updated: October 2016 Paid-up Member You remain a member of the SSUF Although your employment has been terminated with your
Equity benchmarks in South Africa good reasons for 20 years of evolution Written by: Brian Thomas Co-portfolio manager and Analyst at Laurium Capital
FUNDS ON FRIDAY b y G l a c i e r R e s e a r c h 0 6 O c t o b e r 2 0 1 7 V o l u m e 9 29 Equity benchmarks in South Africa good reasons for 20 years of evolution Written by: Brian Thomas Co-portfolio
Standard Bank International Fund Solutions. Discretionary Portfolio Service
Standard Bank International Fund Solutions Discretionary Service Standard Bank International Fund Solutions International Fund Solutions (IFS) is a long standing and stable team of highly experienced investment
Wealth Switch instruction
Wealth Switch instruction number P P This instruction, together with the fee and benefit proposal, the fee schedule, the new business application and confirmation, our terms, and our guide to our business
BESMART WEALTH FOR GENERATIONS
LIFE INSURANCE - UNIVERSAL LIFE BESMART WEALTH FOR GENERATIONS Sun Life Hong Kong Limited (Incorporated in Bermuda) WEALTH FOR GENERATIONS 1 2 BESMART Wouldn t it be great if you could ensure that your
alternative investments
alternative investments contents who we are Who we are Business structure Business concept Product suite Team Investment philosophy Why invest with Momentum Alternative Investments? Contact details 3 4
PRODUCT RANGE. Effective 29 March 2018
PRODUCT RANGE Effective 29 March 2018 CONTENTS Investing with Allan Gray About Allan Gray 1 Principles and values 2 What we offer 3 Product comparison table 5 How much does it cost to invest? 9 Tax implications
Signature Life. You want stability in your legacy plan. We ll give you more.
Signature Life You want stability in your legacy plan. We ll give you more. Your trusted partner to grow and preserve your legacy. All your life, you ve worked hard to ensure your family will be well taken
Creating Wealth. Investing with STANLIB
Creating Wealth Investing with STANLIB Investing with STANLIB STANLIB was established in 2002 through the merger of Liberty Asset Management and Standard Corporate and Merchant Bank Asset Management.
Living Annuity. Living Annuity
Living Annuity Investors looking for maximum retirement flexibility and the ability to participate in the market during retirement could benefit from the Ashburton Living Annuity. The information contained
THE DOLLAR LIFE PLAN. Protection in the most widely used global currency
THE DOLLAR LIFE PLAN Protection in the most widely used global currency 2019 OFFSHORE DOESN T HAVE TO MEAN MILES AWAY The movement of goods, services, technology and capital across international borders
INVESTMENT ANd RETIREMENT PLANNING FOR THE EXPATRIATE SOUTH AFRICAN WHO HAS RETAINED THEIR ORDINARILY RESIDENT TAX STATUS AND FUTURE SOUTH AFRICAN
INVESTMENT ANd RETIREMENT PLANNING FOR THE EXPATRIATE SOUTH AFRICAN WHO HAS RETAINED THEIR ORDINARILY RESIDENT TAX STATUS AND FUTURE SOUTH AFRICAN RESIDENTS RETIREMENT PLANNING IN SOUTH AFRICA As life
OLD MUTUAL SUPERFUND RETIREMENT GUIDE
OLD MUTUAL SUPERFUND RETIREMENT GUIDE AS AN OLD MUTUAL SUPERFUND MEMBER, YOU NOW HAVE A NUMBER OF OPTIONS IF YOU LEAVE YOUR EMPLOYER DUE TO RETIREMENT. This guide is intended to help you: 1. Understand
Sanlam Alternatives Multi-Strategy
Sanlam Alternatives Multi-Strategy THE SANLAM ALTERNATIVES PROPOSITION Provides access to a diverse range of alternative investment strategies. These include private equity, unlisted property, unlisted
Options available on retrenchment (Applicable to members leaving post March 2009) The contents of this document
Options available on retrenchment (Applicable to members leaving post March 2009) The contents of this document This document explains the different options you have available to you when you leave your
Annuity Transactions: Ensuring Suitability
Annuity Transactions: Ensuring Suitability i Contents Introduction... 1 Learning Objectives... 1 National Association of Insurance Commissioners... 1 DOL Fiduciary Standard in Retirement Accounts... 2
1 Client Initials INVESTMENT MANAGEMENT AGREEMENT
INVESTMENT MANAGEMENT AGREEMENT Between ABSA STOCKBROKERS AND PORTFOLIO MANAGEMENT (PTY) LTD Registration Number 1973/010798/07 Authorised Financial Services Provider (Licence No. 45849) (Hereinafter referred
the discerning investor The Executive Bond offers you a high-powered portfolio that puts you in the driving seat.
the discerning investor The Executive Bond offers you a high-powered portfolio that puts you in the driving seat. For Professional Investors not resident in the UK giving you ultimate investment freedom
OLD MUTUAL SUPERFUND PRESERVER
OLD MUTUAL SUPERFUND PRESERVER MEMBER GUIDE BEING A PRESERVER MEMBER SHOWS YOUR COMMITMENT TO YOUR FINANCIAL FUTURE! Preserver allows you to continue your Old Mutual SuperFund Membership, even though you
Hollard Pension Preservation Plan. Information Document. Page 1. Hollard Linked Endowment Information Document July 2015
Hollard Pension Preservation Plan Information Document Hollard Linked Endowment Information Document July 2015 Page 1 Hollard Pension Preservation Plan This document contains general information about
EMPLOYEE BENEFITS. Retirement funds and group risk solutions for your employees
EMPLOYEE BENEFITS Retirement funds and group risk solutions for your employees DISCOVERY FOR BUSINESS 01 EMPLOYEE BENEFITS The global retirement savings gap is expected to grow to $400 trillion in 2050
Performance Choice 8 Plus
Performance Choice 8 Plus Fixed Index Annuity 25371Z-43 PRT 4-17 Retirement planning starts with the Performance Choice 8 Plus Choosing the right accumulation vehicle for retirement can be difficult, especially
ETFs and Your Wealth. etfsa.co.za Investment Seminar. Nerina Visser ETF Strategist & Advisor etfsa.co.za. November 2017
ETFs and Your Wealth etfsa.co.za Investment Seminar November 2017 Nerina Visser ETF Strategist & Advisor etfsa.co.za ETFs what it is NOT Investing in ETFs is NOT Get-rich-quick scheme Trading in individual
About STANLIB STANLIB Uganda. STANLIB Uganda Money Market Fund. STANLIB Uganda Umbrella Pension Fund. STANLIB Uganda Fixed Income Fund
01 About STANLIB 04 Money Market Fund 05 Umbrella Pension Fund 06 Fixed Income Fund 07 General information Multi-specialist investment backed by 1 400* years of collective investment experience. stanlib.com/uganda
Are you thinking about international investments?
1 Are you thinking about international investments? FIND OUT MORE Navigate by Glacier International 2 Glacier International Glacier International offers you the opportunity to invest in a wide selection
MECH JOB INFORMATION SPECIFICATIONS NOTES
Portfolio Management A B Welcome to the Portfolio Management program. There comes a point when managing your assets can easily become a full-time job. As your life evolves, not only can your financial
When the member of an employer s fund resign from his/her employer, the member has the following option:
P E R S ONAL PORTFOLIOS P R E SERVATION FUNDS D e f i n i t i o n A preservation fund is an approved and registered pension or provident fund. Employees, who leave their employer, (whether through resignation
wealth investment series traded endowment option
wealth investment series traded endowment option wealth Traded Endowment Option The Traded Endowment Option is a traded (second-hand) endowment with no product term or liquidity constraints. It gives you
Glacier Investment Plan
Glacier Investment Plan Why should you invest in this product?... 2 General... 2 The investment... 3 Beneficiaries... 3 Underlying investment options... 3 Own funds and wrap funds... 3 Guaranteed Products...
Market Commentary. Market Indice Returns. Resources Global Equities Cash 0.6. Global Equities 6.3. Resources Global Equities 15.
Market Commentary The IMF highlighted that the world economy is plateauing as the lender cut its growth forecast for the first time in more than two years, citing escalating trade tensions and stresses
Collective Retirement Account
Key features of the Collective Retirement Account The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you
Savings & Investments
Explore each stage to see where you are in your retirement journey You are likely to be between 16 and 29 years old and possibly starting your first job after your education. You will be enjoying your
A reassuring way to invest. GlobalSelect from Old Mutual International
A reassuring way to invest GlobalSelect from Old Mutual International INVESTMENT CHOICES TO HELP MEET YOUR GOALS When choosing which investments to hold, you will have your own needs and expectations.
Sanlam Umbrella Fund In-Fund options. A smooth path from pre- to post-retirement
Sanlam Umbrella Fund In-Fund options A smooth path from pre- to post-retirement Continuous membership of the Sanlam Umbrella Fund The world of retirement is currently going through its most intense period
Discovering peace of mind on your journey from pre-to-post-retirement
Discovering peace of mind on your journey from pre-to-post-retirement Principal Officers Association seminar Twané Wessels 18, 19 September 2013 1 Contents The journey from pre-to-post retirement Today
GLACIER FIDUCIARY SERVICES
GLACIER FIDUCIARY SERVICES Introduction Estate planning, and Wills and Trust services play an increasingly important role in the financial planning process for affluent clients. Glacier Fiduciary Services
cumulus echo retirement plan
cumulus echo retirement plan Working of the plan In order to receive the retirement annuity benefits, you must become a member of the Central Retirement Annuity Fund (the FUND). The FUND will take out
ANNUITIES. demystified. Loreta Dienst 30 May 2017
ANNUITIES demystified Loreta Dienst 30 May 2017 DID YOU KNOW? that around 50% of 60 year old males live past 81 and females past 87! Don t under-estimate the importance of your retirement income planning
Brian Hammersley CFP, CRPS
WEALTH MANAGEMENT Brian Hammersley CFP, CRPS Portfolio Manager Vice President Financial Advisor 2211 York Rd., Suite 100 OAKBROOK, IL 60523 630-203-6157MAIN 800-755-9755 TOLL-FREE 630-756-4132 FAX www.morganstanley.com/fa/brian.hammersley
Hollard Pension Preservation Plan. Information Document. Page 1. Hollard Linked Endowment Information Document July 2015
Hollard Pension Preservation Plan Information Document Hollard Linked Endowment Information Document July 2015 Page 1 Hollard Pension Preservation Plan This document contains general information about
Momentum Wealth pricing review
Wealth pricing review Introducing our industry-leading platform pricing Investments is delighted to inform you that we have found additional ways to offer you better value and more choice. This time our
SOUTH AFRICAN CRICKETERS ASSOCIATION
SOUTH AFRICAN CRICKETERS ASSOCIATION PROVIDENT FUND BENEFIT STRUCTURE April 2017 Ian Tindall on behalf of WA Davidson Financial Services (Pty) Ltd Tel:+27 11 463 9336 Fax:+27 86 693 2587 ian@wadfs.co.za
delegated investment services Helping trustees make the right investment decisions for fund members
delegated investment services Helping trustees make the right investment decisions for fund members contents Introduction 03 Improve your governance framework 04 How does it work 06 Fees 08 The facts 10
STANLIB Classic Preservation Pension Plan Terms and Conditions
STANLIB Classic Preservation Pension Plan Terms and Conditions Saving for your retirement is vital. The Classic Preservation Pension Plan allows you to save the money you receive from an employer pension
About STANLIB STANLIB Namibia. Standard Bank Namibia Money Market Fund. Standard Bank Namibia CashPlus Fund. Standard Bank Namibia Income Fund
STANLIB Namibia 01 About STANLIB STANLIB Namibia 03 Standard Bank Namibia Money Market Fund 04 Standard Bank Namibia CashPlus Fund 05 Standard Bank Namibia Income Fund 06 Standard Bank Namibia Inflation
HSBC Hong Li Yue Yue Ying Annuity Insurance (Participating) - Type B Retirement Planning
This product is a participating insurance, the bonus are not guaranteed. This product is issued and managed by HSBC Life Insurance Company Limited, thus the consignment agency assumes no responsibility
THE ITC SSAS BROCHURE.
THE ITC SSAS BROCHURE www.independent-trustee.com ITC SSAS If you are in business you know that the road is seldom smooth. It can be difficult to plan for a far-off retirement when you have immediate and
Hollard Living Annuity. Information Document. Page 1. Hollard Linked Endowment Information Document July 2015
Hollard Living Annuity Information Document Hollard Linked Endowment Information Document July 2015 Page 1 Hollard Living Annuity This document contains general information about the Hollard Living Annuity.
About STANLIB STANLIB Uganda. STANLIB Uganda Money Market Fund. STANLIB Uganda Umbrella Pension Fund. STANLIB Uganda Fixed Income Fund
STANLIB Uganda 01 About STANLIB STANLIB Uganda 04 STANLIB Uganda Money Market Fund 05 STANLIB Uganda Umbrella Pension Fund 06 STANLIB Uganda Fixed Income Fund 07 General Information Multi-specialist investment
SANLAM STAFF UMBRELLA PENSION AND PROVIDENT FUNDS (SSUF) AND RELATED GROUP LIFE INSURANCE
SANLAM STAFF UMBRELLA PENSION AND PROVIDENT FUNDS (SSUF) AND RELATED GROUP LIFE INSURANCE Brochure on exclusions / limitations / waiting periods Type of cover Proof-free limit General exclusions SANLAM
HOUSE OF FINANCE PENSIONS INVESTMENTS PROTECTION. A Guide to Annuities
HOUSE OF FINANCE PENSIONS INVESTMENTS PROTECTION Contents I m approaching retirement, what are my financial options? What is a Financial Broker? Why would I need to use a Financial Broker? What is an annuity?
IN-FUND LIVING ANNUITY QUESTIONS & ANSWERS
IN-FUND LIVING ANNUITY QUESTIONS & ANSWERS In July 2015 the National Treasury issued draft regulations on default strategies to be implemented by all funds. Once effected, all retirement funds will, amongst
FundsAtWork Umbrella Fund
FundsAtWork Umbrella Fund A summary corporate Engaged and productive employees influence a business journey to success. Having employees that feel cared for means they are more productive and more likely
Users Guide for SA expats Saving and investing in the UK
Users Guide for SA expats Saving and investing in the UK The decision to move to the UK is not an easy one, and as we explained in our previous Users Guide for SA expats expat money matters sorted, the
Detailed Client Information (DCI) transaction manual
Detailed Client Information (DCI) transaction manual The client information or data can be used as a Marketing opportunity to identify new business prospects. Why DCI clients? In addition, this transaction
BRIGHT PAPER LIFE INSURANCE. for the WEALTHY: the myth-busting benefits KEY INSIGHTS:
BRIGHT PAPER APRIL 2014 LIFE INSURANCE for the WEALTHY: the myth-busting benefits KEY INSIGHTS: 1. Insurance can help preserve affluent lifestyles 2. Permanent life insurance can protect or enhance financial
Application Form etfsa Living Annuity
Application Form etfsa Living Annuity How to Invest 1. Read the Terms and Conditions of this Policy (attached hereto). 2. Access the Investment Product Range and make an informed decision on which portfolio
Hollard Retirement Annuity Plan. Information Document. Page 1. Hollard Linked Endowment Information Document July 2015
Hollard Retirement Annuity Plan Information Document Hollard Linked Endowment Information Document July 2015 Page 1 Hollard Retirement Annuity Plan This document contains general information about the
Market Commentary. Market Indice Returns. Resources Global Equities Cash 0.6. Global Equities 6.3. Resources Global Equities 15.
Market Commentary The IMF highlighted that the world economy is plateauing as the lender cut its growth forecast for the first time in more than two years, citing escalating trade tensions and stresses
ON THE SCALES 8 OF 2012
ON THE SCALES 8 OF 2012 Strengthening Retirement Savings in SA latest document from National Treasury On 14 May 2012 National Treasury (NT) released a discussion document containing an overview of government
Hollard Linked Endowment. Information Document
Hollard Linked Endowment Information Document Hollard Linked Endowment This document contains general information about the Hollard Linked Endowment. The content of this document is factual and it should
TAXATION IN SOUTH AFRICA 2016/7
Retirement Fund March 2016 TAXATION IN SOUTH AFRICA 2016/7 Your Retirement - Our Passion Sentinel Retirement Fund Reg No 12/8/1215 Sentinel House 1 Sunnyside Drive Sunnyside Park PARKTOWN 2193 P O Box