Single Life
10 year Guarantee
0% Tax
R1 million
Monthly in arrears
Joint Life
Second Life - 1/1/1966
0% reduction on 1st death
0% Tax
R1 million
Monthly in arrears
Level income
Level Income
5% Income
Escalation
10 Year Guarantee
Nil Guarantee
Discovery Invest
Retirement Income Plan (Fixed Annuity)
R7 723.76
R4 944.80
R7 009.68
R7 013.84
Just SA
Lifetime Income 1
R8 197.58
R5 317.86
R7 374.19
R7 327.39
Liberty Life
Life Annuity
R7 699.90
R4 849.48
R7 070.15
R7 078.16
Metropolitan
Life Annuity
R8 016.66
R5 108.35
R7 063.85
R7 082.20
Momentum
Life Annuity
R7 963.96
R5 109.49
R7 119.00
R7 122.36
Old Mutual
Max Income for Life
R8 022.87
R5 197.93
R7 116.71
R7 138.26
Sanlam
Life Annuity
R7 529.36
R4 774.32
R6 687.65
R6 697.65
1: Quote based on an assumed socio-economic status. Just SA offers optional socio-economic, lifestyle and health underwriting that may result in a higher annuity rate based on a client’s unique circumstances.
Compulsory Annuity Plans - Female born 1-1-1966
Product Provider
Product Name
Single Life
10 year Guarantee
0% Tax
R1 million
Monthly in arrears
Joint Life
Second Life - 1/1/1966
0% reduction on 1st death
0% Tax
R1 million
Monthly in arrears
Level income
Level Income
5% Income
Escalation
10 Year Guarantee
Nil Guarantee
Discovery Invest
Retirement Income Plan (Fixed Annuity)
R7 355.90
R4 466.49
R7 009.68
R7 013.84
Just SA
Lifetime Income 1
R7 748.93
R4 807.79
R7 374.19
R7 327.39
Liberty Life
Life Annuity
R7 463.56
R4 544.92
R7 070.15
R7 078.16
Metropolitan
Life Annuity
R7 487.56
R4 513.08
R7 063.85
R7 082.20
Momentum
Life Annuity
R7 469.09
R4 569.86
R7 119.00
R7 122.36
Old Mutual
Max Income For Life
R7 549.45
R4 644.73
R7 116.71
R7 138.26
Sanlam
Life Annuity
R7 129.50
R4 260.50
R6 687.65
R6 697.65
1: Quote based on an assumed socio-economic status. Just SA offers optional socio-economic, lifestyle and health underwriting that may result in a higher annuity rate based on a client’s unique circumstances.
Voluntary Annuity Plans
Product Provider
Product Name
R 1 million Investment (natural persons)
Monthly annuity income
5 year term certain
0% tax applicable
Gross Income
Taxable Portion
Tax Free Portion
Just SA
Term-Certain Income
R18 625.41
R1 958.74
R16 666.67
Liberty Life
Annuity Certain
R18 193.17
R1 526.50
R16 666.67
Old Mutual
Max Income for Term
R18 857.86
R2 191.19
R16 666.67
Growth Plans - using 3.45% as the Financial Advisor Fee
Product Provider
Product Name
Guaranteed return on Investment of R100 000
for a 5 year term for a natural person
FA fees taken = 3.45% incl. VAT
Guaranteed return on Investment of
R1 000 000 for a 5 year term for a natural person
FA fees taken = 3.45% incl. VAT
Rand Amount
%
Rand Amount
%
1 Life Insurance
1Life Guaranteed Future Value Investment
R134 986.39
6.18%
R1 349 863.97
6.18%
Discovery Invest
Discovery Guaranteed Growth Plan
R124 099.46
4.41%
R1 273 342.26
4.95%
Just SA
Structured Endowment1
no rates available
0%
R1 296 862.16
5.34%
Liberty Life
Guaranteed Investment Plan 2
no rates available
0%
R1 275 864.00
4.93%
Momentum
Guaranteed Endowment Option
R122 152.00
4.08%
R1 265 494.00
4.82%
Old Mutual Wealth
Old Mutual Wealth Fixed Bond
R122 779.73
4.13%
R1 270 300.29
4.84%
Sanlam
Sanlam Fixed Return
R121 050.79
3.85%
R1 255 438.00
4.6%
1: JUST SA: This is a linked endowment. 2: The rates for the Guaranteed Investment Plan may change during the week. Please refer to Liberty Life for their latest rates.
Growth Plans - using 1.73% as the Financial Advisor fee
Product Provider
Product Name
Guaranteed return on Investment of R100 000
for a 5 year term for a natural person
FA fees taken = 1.73% incl. VAT
Guaranteed return on Investment of
R1 000 000 for a 5 year term for a natural person
FA fees taken = 1.73% incl. VAT
Rand Amount
%
Rand Amount
%
1 Life Insurance
1Life Guaranteed Future Value Investment
R137 486.14
6.57%
R1 374 861.45
6.57%
Discovery Invest
Discovery Guaranteed Growth Plan
R126 445.27
4.8%
R1 296 800.37
5.34%
Just SA
Structured Endowment1
no rates available
0%
R1 321 635.15
5.74%
Liberty Life
Guaranteed Investment Plan2
no rates available
0%
R1 298 122.04
5.29%
Momentum
Guaranteed Endowment Option
R124 867.00
4.54%
R1 292 642.00
5.27%
Old Mutual Wealth
Old Mutual Wealth Fixed Bond
R125 006.72
4.5%
R1 293 072.84
5.2%
1: JUST SA: This is a linked endowment. 2: The rates for the Guaranteed Investment Plan may change during the week. Please refer to Liberty Life for their latest rates.
Income Plans - using 3.45% as the Financial Advisor Fee
Product Provider
Product Name
R1 million Investment (natural persons)
Monthly annuity income
Capital Guaranteed
5 year term
0% tax applicable
FA fees taken = 3.45% incl. VAT
Gross Annuity Income
Taxable Portion
Discovery Invest
Discovery Guaranteed Income Plan
R4 077.72
R381.20
Just SA
Structured Endowment
R4 188.72
R396.03
Liberty Life
Guaranteed Investment Plan with Income
R4 027.11
R305.66
Momentum
Guaranteed Endowment Option and Income
R3 940.63
R458.13
Sanlam
Sanlam Fixed Return with Income
R3 847.81
R448.32
Income Plan - using 1.73% as the Financial Advisor Fee
Product Provider
Product Name
R1 million Investment (natural persons)
Monthly annuity income
Capital Guaranteed
5 year term
0% tax applicable
FA fees taken = 1.73% incl. VAT
