Products

INVESTING FOR RETIREMENT

THE 7 VEHICLES FOR YOUR RETIREMENT PLAN

Retirement Planning

Agile Pension & Provident Fund Preserver

Overview

Liberty's Agile Pension and Provident Fund Preserver gives you access to the Exact income fund, a unique fund that guarantees income at retirement - no matter how the markets perform.

Allows you to split your money between the Exact Income Fund and various other investment portfolios depending on the level of certainty or growth you are looking for.

Ensures the continued growth and preservation of your retirement fund savings through two plans:

  • Agile Pension Fund Preserver
  • Agile Provident Fund Preserver

Allows members of existing pension/provident funds to transfer their existing, accumulated benefits on termination of their job (resignation, winding-up or retrenchment) into this investment tax free, thus enabling you to preserve your valuable retirement benefits.

Invest from R150 000.

Agile Retirement Annuity

Overview

Know today exactly what you will retire on.

The Agile [Retirement Annuity] gives you access to the Exact income fund, a unique fund that guarantees income at retirement - no matter what the markets do.  In addition, you will also have the ability to invest a portion of your investment in multiple portfolios according to your retirement needs.

Agile Retirement Annuity is a tax- effective retirement investment which is designed primarily for individuals who want to save additional amounts for retirement, outside of any pension or provident funds that they may participate in.

Agile Retirement Annuity will allow you to split your money between the Exact Income Fund and various other investment portfolios depending on the level of certainty or growth you are looking for.

Benefits can be accessed from age 55 as retirement benefits.

Evolve Pension & Provident Fund Preserver

Overview

Liberty's Evolve [Retirement Annuity] Plan doesn't charge set-up costs or initial advice fees until we earn you more than 14% per annum.

The pension/provident fund preserver ensures the continued growth and preservation of the retirement fund through two plans:

  • Pension Fund Preserver
  • Provident Fund Preserver

Members of existing pension or provident funds can transfer their existing, accumulated benefits on termination of their job, resignation, winding up of estate or retrenchment into this investment tax free, thus enabling them to preserve their valuable retirement benefits.

Benefits

Pay-on-delivery investing

We take on the risk, and you share in the rewards of great returns. We promise that if your investment doesn't grow by the target return in any of the first three years, you will never have to pay for the costs of setting up your investment.

Additional amounts

Additional amounts can be made to the investment, as long as the investment is from the same transferring fund.

Tax-efficient investment

Benefits from the original retirement fund are transferred tax free to the preserver and are only taxable at retirement or on withdrawal from the preserver.

There is currently no tax charged on the investment returns achieved on the underlying assets of preservers.

Evolve Retirement Annuity Plan

Overview

The Evolve [Retirement Annuity] Plan allows you to provide for your retirement or to supplement your existing retirement plan.

Liberty Evolve Retirement Annuity Plan doesn't charge set-up costs or initial advice fees until we earn you more than 14% per annum. With Evolve, we grow your money first.

Benefits can be accessed from age 55, as retirement benefits.

Invest from R150 000 once off or R100 000 with recurring investments of R400 or more per month.

Benefits

Pay-on-delivery investing

We take on the risk, and you share in the rewards of great returns. We promise that if your investment doesn't grow by the target return in any of the first three years, you will never have to pay for the costs of setting up your investment.

Now your choice is simple

Would you prefer more than one investment manager looking after your money? Let Liberty Multi-Manager Invest your money with different investment managers for you at no additional cost.

Your money is safe from most creditors

Legislation only allows certain withdrawals prior to retirement (minimum of 55 years), such as payment in terms of a divorce or maintenance order.

Pension & Provident Fund Preserver

Overview

If you are thinking of leaving your job, these products can assist in preserving your existing investment with your current employer up until retirement.

Withdrawing funds from the pension or provident fund will result in you being taxed according to legislation. By preserving funds in a preservation fund, no tax liability will arise on the transfer of the funds into the preserver.

The preserver ensures continued growth and preservation of retirement funds through two plans:

  • Pension Fund Preserver: Only transfers from a pension fund or pension fund preserver may be made to this fund.
  • Provident Fund Preserver: Only transfers from a provident fund or provident fund preserver may be made to this fund.

Invest from R12 500.

Benefits

Investment portfolios

Select up to seven professionally managed investment portfolios with optional performance guarantees in accordance with an individually identified risk profile.

Additional amounts

Additional amounts can be made to the investment, as long as the investment is from the same transferring fund.

Tax-efficient investment

Benefits from the original retirement fund are transferred tax free to the preserver and are only taxable at retirement, or on withdrawal from the preserver.

There is currently no tax charged on the investment returns achieved on the underlying assets of preservers.

Retirement Annuity Builder

Overview

Invest in a Liberty [Retirement Annuity] Builder so you can do the following:

  • Take advantage of the generous tax concessions currently available to retirement funds in South Africa.
  • Save for your retirement and only use the money when you retire.
  • Use the proceeds to buy an annuity that will provide an income when you retire.
  • Invest from as little as R400 per month.

Benefits

Investment portfolios

Select up to seven professionally managed investment portfolios with optional performance guarantees, in accordance with an individually identified risk profile.

Retrenchment premium waiver benefit

If you are retrenched, Liberty will pay the recurring investment for a full year whilst you find, and settle into, your new job. You can use this benefit up to 3 times before your 65th birthday.

Maternity premium holiday

Female members can stop paying for premiums to the fund for six months. All they need to do is request Liberty to activate this benefit on commencement of their maternity leave.

Retirement Annuity Plan

Overview

[Retirement Annuity] Plan allows you to save for your retirement or to supplement your existing retirement plan.

It provides you access to world-class investment management and portfolios that have been constructed to meet the needs of long-term investors.

The Liberty Retirement Annuity Plan is for investors who want to create wealth for a secure retirement.

Invest from R12 500 or more.

Benefits

Investment portfolios

Select up to seven professionally managed investment portfolios with optional performance guarantees in accordance with an individually identified risk profile.

Additional amounts

There is an option to inject additional amounts at any time during the term of the investment. Payments will be allocated to your elected portfolios using the elected allocation percentages.

Your money is safe from most creditors

Legislation only allows certain withdrawals prior to retirement, such as payment in terms of a divorce or maintenance order.

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