LUMP SUM INVESTMENTS

Overview 

Invest in a world-class investment solution with exceptional flexibility. You will have the freedom to select a combination of investments tailored to your unique financial goals.

The Flexible Investment Plan introduces the concept of Bundling, which allows you to purchase a plan that groups associated investments under one bundle.

Investing in this product allows you to structure your investment according to your unique financial plan, while providing you access to your money as well as protection against unforeseen events, emergencies and financial circumstances.

Invest from R250 000 or more.

Benefits

Investment portfolios

For more confident investors who prefer to do their own selection by region, asset class, sector and investment approach, a selection of specialist local and offshore funds are available. Up to seven portfolios can be selected.

Concept of bundling

Bundling allows you to structure your investment to suit your unique needs. You can take an advance or cash in on individual investments at no additional cost, and you can pay additional amounts into the investment (within legislative limits).

Flexibility

Within a bundle, each investment is treated individually and can be separately ceded. Each investment can have different nominated beneficiaries, lives assured and portfolios.

Overview 

Invest in a select range of Unit trusts in one place and when you need your money, you will have full access to your investment at no cost.

Investing more is as simple as making a direct payment.

Invest from as little as R1000 pm

Benefits

Flexibility of choice

Access over 70 unit trusts from over 16 asset management companies both locally and offshore.

Easy access

Your money will be available whenever you need it.

Tax requirements

You pay tax yourself via your annual tax return process. Once you purchase an investment with Liberty, you will receive the relevant tax certificates.

Overview

It’s refreshing to know that you can still invest with confidence and that your investment options are varied to suit your needs. You can either choose an investment plan with a guarantee that provides you certainty and no risk, or select to invest through investment portfolios based on your risk profile.

 The Guaranteed Investment Plan provides a guaranteed fixed return on your investment. This product is the ideal investment if you:

Are looking for a safe haven in which to invest your money

Require a guaranteed amount at the end of five years that is not subject to market volatility or

Invest from R50 000 or R75 000 where an income option is selected in addition to your guaranteed investment.

Alternatively, you can invest once off in an investment to create long-term wealth in a tax-efficient way:

The Guaranteed Investment Plan provides you with the flexibility to pay in additional investments later, so that the efficiency of your investment can be maximised.

Invest from R12 500 or R17 500 where an income option is selected in addition to your investment.

Benefits

The guaranteed benefit 

The amount payable at the end of five years will be calculated based on the underlying fixed asset yields that apply at the time of purchase of the investment.

A tax-efficient investment

An investment with no additional tax payable at the end of five years, only if it is still held by the original owner.

Optional income option

Couple your investment with an income option that provides you with regular income during the initial five-year period, whilst creating long-term wealth at the same time. No tax is payable on any capital portion of the income payments you receive during the initial five years on the income option.

Investment portfolios

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

Overview

To reach the many aspirations and goals that you have for yourself, Liberty’s Endowment Investment Plan pays you a loyalty bonus. You benefit by receiving the greater of your fund value or your premiums back (less any charges or withdrawals).

Overview

The Flexible Investment Plan introduces the concept of Bundling, which allows you to purchase a plan that groups associated investments under one bundle.

Investing in this product allows you to structure your investment according to your unique financial plan, whilst providing you with access to your money as well as protection against unforeseen circumstances. Invest from R250 000.

Benefits

Investment portfolios

For the more sophisticated investors who prefer to do their own selection by region, asset class, sector and investment approach, a selection of specialist local and offshore funds are available. Up to seven portfolios can be selected.

Concept of bundling

Bundling allows you to structure your investment to suit you and your unique needs: you can take an advance or cash in on individual investments at no additional cost, and you can pay additional amounts into the investment (within legislative limits).

Flexibility

Within a bundle, each investment is treated individually and can be separately ceded. Each investment can have different nominated beneficiaries, different lives assured and different portfolios.

Fees

There are initial advice fees, on-going fees and a platform fee. Fees can be negotiated with your adviser. The more you invest, the less you will pay.

Invest Options

Investment portfolios

For the more sophisticated investors who prefer to do their own selection by region, asset class, sector and investment approach, a selection of

specialist local and offshore funds are available. Up to seven portfolios can be selected.

Concept of bundling 

Bundling allows you to structure your investment to suit you and your unique needs: you can take an advance or cash in on individual investments at no additional cost, and you can pay additional amounts into the investment (within legislative limits).

Flexibility

Within a bundle, each investment is treated individually and can be separately ceded. Each investment can have different nominated beneficiaries, different lives assured and different portfolios.

Overview

Invest to create wealth through offshore investments by utilizing your annual offshore allowance of R11 million. 

Invest your money in a variety of offshore portfolios.

Additional investments can be added to your original investment (within legislative limits) with a minimum of R10 000 per additional investment. Invest from R25 000 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.

A tax-efficient investment

It uses an endowment wrapper, so no additional tax is payable at the end of five years if it is still held by the original owner.

Protection against market volatility

You have the option to phase in your investment via a US dollar money market portfolio.

Overview

The Multiple Access Investment Plan allows you to enjoy liquidity with immediate and unrestricted access to your investment, as and when required.

It uses once-off investing and an Endowment wrapper that has already been in existence for five years, thereby allowing immediate and unlimited access to your investment. At the same time, the money can be left to grow in the portfolios of your choice until needed.

Should you make any withdrawals, the investment value will reduce by the amount withdrawn.

Invest from R50 000 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.

Tax implications

Withdrawals made from the Multiple Access Investment Plan are subject to capital gains tax in your, the owner’s, hands. Depending on your personal circumstances and investments, you may not be liable to pay any additional tax, but please discuss this with your financial adviser.

Guarantee options

The capital protection guarantee lets you preserve your investment should the returns be negative. At the guarantee date, you will get back at least your initial amount (less advice fees and withdrawals) invested.