Tax-Free savings allow you to contribute a minimum of R500.00 a month up to a maximum of R30 000.00 a year and R500 000 over your lifetime.

All interest earned from this investment is tax free. This allows you to save for your children's education espcially university.

Should you experience temporary financial difficulties and are unable to contribute each month, the interest will continue to grow on the amount already invested.

You can save from R250.00 per month into a Retirement Annuity (RA).

A Retirement Annuity offers tax incentives , in addition there are tax free amounts available at retirement.

You can choose where to invest the money to earn maximum returns possible and there are no penalties should you be unable to continue contributing to the investment before retirement.

When leaving a company Pension or Provident Fund Fund an employee/member can elect to take their funds in cash or to transfer it to an approved pension or provident preservation fund.

This allows employees / members to defer tax. There are significant tax benefits when an employee/member retires.

The employee/member is able to select the portfolios they would like to invest their funds into.

A living annuity is bought with the funds from your retirement annuity, provident or pension fund once you retire you are then required to draw a monthly income from this investment.

It is a market-linked investment that has no guarantees attached and the value of your investment flutuates with the markets.

This is a general savings plan to create an investment portfolio that supports your circumstances, future plans and financial objectives.

This savings product allows investors to invest regularly or on an ad-hoc basis, and investors can withdraw at any time.

Discretionary savings is a market-linked investment that has no guarantees attached and the value of your investment fluctuates with the markets.

This provides the principle insured's family with funds in the event of their death either through illness, natural causes or an accident.

The cover can be selected based on the principle insured's needs for example if they have dependants they may require more cover than those without dependants.

By making regular contributions and occasional lump sum investments to one or more of our unit trusts or tax free savings plans, you can save towards your children's school and university fees and expenses.

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