Investment Solutions
A comprehensive suite of investment plans designed to help you build wealth, protect your capital, and achieve your financial aspirations.
Retirement & Preserver Plans
Retirement Plans
Our Retirement Annuity Plans are designed to help you reach your retirement aspirations.
You can save each month or you can invest a lump-sum amount. If you choose to make a lump-sum contribution to a Retirement Annuity, you may qualify for the Investment Boost, an additional allocation of up to 20% which is based on your term to retirement. If you choose to make recurring monthly contributions to a Retirement Annuity, you may qualify for the recurring Contribution Boost.
Retirement Income Plans
Retirement Income Plans are designed to provide you with a regular income throughout your retirement (known as annuity income or a pension). The amount you receive depends on the Retirement Income Plan you choose and your applicable tax rate.
A Fixed Annuity
With the Fixed Annuity, you’ll receive an income for the rest of your life. You can also choose to have the income payments continue until the last of your or your spouse’s life, or until the end of a minimum guarantee term. If you die before the end of this guarantee term, we’ll keep paying the income payments to your beneficiaries until the end of that term. Thereafter, the income payments will stop with no remaining amounts to be distributed to your beneficiaries.
A Closer Look: Retirement Income Plans
With the Living Annuity, you decide how to invest your retirement savings within our range of investment funds. The Living Annuity also gives you flexibility to choose your income each year (within regulatory limits). Your remaining investment in the Living Annuity is paid to your beneficiaries or your estate on your death. With the Living Annuity, we reward you for managing how much you withdraw and managing your health in retirement. You can receive boosts of up to 50% to your retirement income through these behaviours.
Your investment consists of a Living Annuity and a specially designed Fixed Annuity, providing you a guaranteed income.
Our Secured Capital Annuity is designed to give you peace of mind in retirement. Your income is guaranteed to be paid for the rest of your life, and you could leave a capital legacy to your loved ones.
The Preserver Plans are suited to you if you are leaving or retiring from the services of an employer and want to preserve the benefits of your pension or provident fund membership with your previous employer until you choose to retire. This can be as a result of resignation, dismissal, retrenchment, retirement from the employer or if the pension or provident fund is wound up.
Global & Flexible Investments
Global Investment Options
Lump-sum Global Endowment
Our Lump-sum Global Endowment is a medium- to long-term investment that gives you access to a wide range of international investment options. It allows for more than one investor, which is an advantage for estate planning. You can withdraw from the investment more than once over the investment term, giving you optimal liquidity. This investment offers unique features allowing you to invest your money below the prevailing exchange rate and discounts on the costs of an international trust.
You can invest in US dollars, British pounds or euros at the start of the investment.
Recurring Global Endowment
The Recurring Global Endowment is an investment policy where you pay in monthly contributions. It is an open-ended investment with no fixed end date. This means you can continue to pay contributions for as long as you like. However, there are restrictions on when you can withdraw your investment.
Flexible Investment Plans
This investment offers a flexible way for you to save for your short-term or long-term goals and gives you access to a broad range of investments offered by a range of asset managers, including Discovery funds, as well as complete access to all of your money.
Tax-free Flexible Investment Plan
This investment allows you to save for your short-term or long-term goals without paying any tax on any income or growth. You can choose from a range of funds and you have complete access to your money at any time.
Local Endowment Plans
An endowment is a tax-efficient structure where investment growth (interest, rental income and foreign dividends) within your Endowment is taxed at 30% while capital gains are taxed at 12% for individual investors.
We offer a lump-sum and a monthly recurring endowment. On our lump-sum offering clients may enjoy boosts of up to 20%.
Guaranteed Return Plans
Guaranteed Growth Plan
The Guaranteed Growth Plan is an endowment policy that provides a guaranteed return on your lump-sum contribution at the end of a five-year term.
Guaranteed Income Plan
The Guaranteed Income Plan is a combination of an endowment and a voluntary annuity.
The endowment provides a guaranteed return on your chosen percentage of your lump-sum contribution at the end of the five-year term. The percentage of the lump-sum contribution you receive at the end of the term will be paid as a lump-sum amount. You must remain invested for the full five years to receive this guaranteed amount at the end of the term. The voluntary annuity is used to provide a monthly or annual income throughout the five-year term.
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