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)
R8 013.23
R5 219.93
R7 322.44
R7 326.98
Just SA
Lifetime Income 1
R8 447.51
R5 554.18
R7 600.28
R7 648.38
Liberty Life
Life Annuity
R8 066.78
R5 161.21
R7 440.33
R7 444.99
Metropolitan
Life Annuity
R8 350.77
R5 427.35
R7 418.84
R7 438.49
Momentum
Life Annuity
R8 204.95
R5 318.99
R7 375.08
R7 378.60
Old Mutual
Max Income for Life
R8 326.16
R5 468.36
R7 437.17
R7 460.00
Sanlam
Life Annuity
R7 773.27
R5 010.24
R6 950.56
R6 960.56
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 657.82
R4 748.13
R7 322.44
R7 326.98
Just SA
Lifetime Income 1
R8 014.25
R5 057.87
R7 600.28
R7 648.38
Liberty Life
Life Annuity
R7 756.64
R4 807.02
R7 440.33
R7 444.99
Metropolitan
Life Annuity
R7 832.16
R4 832.87
R7 418.84
R7 438.49
Momentum
Life Annuity
R7 720.34
R4 782.04
R7 375.08
R7 378.60
Old Mutual
Max Income For Life
R7 863.96
R4 919.05
R7 437.17
R7 460.00
Sanlam
Life Annuity
R7 386.41
R4 498.42
R6 950.56
R6 960.56
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
R19 179.48
R2 512.82
R16 666.67
Liberty Life
Annuity Certain
R18 556.23
R1 889.56
R16 666.67
Old Mutual
Max Income for Term
R19 096.40
R2 429.73
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 115.07
6.05%
R1 341 150.66
6.05%
Discovery Invest
Discovery Guaranteed Growth Plan
R122 607.10
4.16%
R1 258 029.69
4.7%
Just SA
Structured Endowment1
no rates available
0%
R1 305 420.49
5.48%
Liberty Life
Guaranteed Investment Plan 2
no rates available
0%
R1 298 993.84
5.32%
Momentum
Guaranteed Endowment Option
R123 861.00
4.37%
R1 283 202.00
5.11%
Old Mutual Wealth
Old Mutual Wealth Fixed Bond
R125 443.60
4.59%
R1 297 549.98
5.29%
Sanlam
Sanlam Fixed Return
R122 531.41
4.1%
R1 270 793.70
4.85%
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
R136 598.68
6.44%
R1 365 986.78
6.44%
Discovery Invest
Discovery Guaranteed Growth Plan
R124 924.70
4.55%
R1 281 205.68
5.08%
Just SA
Structured Endowment1
no rates available
0%
R1 330 752.89
5.88%
Liberty Life
Guaranteed Investment Plan2
no rates available
0%
R1 321 667.41
5.68%
Momentum
Guaranteed Endowment Option
R126 614.00
4.83%
R1 310 854.00
5.56%
Old Mutual Wealth
Old Mutual Wealth Fixed Bond
R127 718.67
4.96%
R1 320 810.48
5.66%
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
R3 929.64
R389.49
Just SA
Structured Endowment
R4 411.20
R534.88
Liberty Life
Guaranteed Investment Plan with Income
R4 365.37
R413.35
Momentum
Guaranteed Endowment Option and Income
R4 187.47
R523.03
Sanlam
Sanlam Fixed Return with Income
R4 070.44
R508.35
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
