WHAT KIND OF INVESTMENT ARE YOU LOOKING FOR?

STANDARD INVESTMENT

The Standard investment is an investment into unit trust funds
Liquidity & Flexibility

Add or withdraw funds at any point in time

Taxation

Interest, dividend and capital gains tax are applicable. Certain tax exemptions are allowed

Impact of death

The investment forms part of your estate and can be used to fund debt in the estate. Estate duty and executor's fees will apply

TAX-FREE INVESTMENT

The Tax-free investment provides tax savings on your investment returns
Liquidity & Flexibility

Invest a maximum of R 33 000 p.a. and no more than R 500 000 in your lifetime. Withdraw funds at any point in time

Taxation

Tax-Free while invested. NO capital gains, dividend withholdings or tax on interest income

Impact of death

The investment forms part of your estate and can be used to fund debt in the estate. Estate duty and executor's fees will apply

RETIREMENT ANNUITY

The Retirement Annuity is an investment providing for retirement
Liquidity & Flexibility

Invest at any time but no withdrawals before the age of 55. After 55, up to 1/3rd can be taken in cash. The rest must purchase income annuity

Taxation

Tax-free while invested. Contributions are tax deductible (up to a limit) i.e. it reduces your tax payable. Tax is applicable upon retirement

Impact of death

No estate duty or executor's fees will apply. The Fund Trustees will distribute any remaining investment to your dependants