|
 |
Retirement Options |
Our retirement products for individuals are totally transparent, cost-effective and easy to understand. They use our top-performing unit trusts as the underlying investment structure, so you always know where your money is invested.
With a maximum of 480 pay days in a typical career, it is vital to start saving early and to preserve built-up retirement capital when changing jobs. Or maybe you've already built up a retirement nest egg that you wish to invest? |
 
| | Retirement Annuity | | | - Flexible to change in needs
- Tax efficient: tax deductible contributions, tax free build-up
- Unit trusts are the underlying investment structure
- No initial fees, exit penalties or admin fees
| - You can only access your investment at the age of 55
- Needs to comply with Prudential Investment Guidelines. Invest in Balanced Plus or Capital Plus, both of which offer a tailored solution for retirement savings. To make an alternative selection use our calculator
| | |
| | |
|
|
|
| | Living Annuity | | | - Provides post retirement income
- Flexible to income needs
- Unused capital is heritable
- Tax efficient
- No initial or admin fees
| - Income is not guaranteed for life. Setting a low drawdown rate and investing in Capital Plus or Balanced Defensive offers tailored solutions for post-retirement income investors.
- Drawdown of between 2.5% and 17.5% required
| | |
| | |
|
| | Preservation Fund - Provident or Pension | | | - Avoid paying tax upon receipt of a lump sum from a pension/provident fund
- Grows your capital tax free
- Unit trusts are the underlying investment structure
- Allows one pre-retirement withdrawal
- No initial fees, exit penalties or admin fees
| - Needs to comply with Prudential Investment Guidelines. Invest in Balanced Plus or Capital Plus, both of which offer a tailored solution for retirement savings. To make an alternative selection use our calculator
| | |
| |
|
Investing for retirement is an extremely important and vital decision that can greatly impact your lifestyle and that of your family. If you are at all uncertain as to which is the right investment for you, contact your financial advisor or speak to one of our client service consultants.
We cannot give financial advice but we may be able to provide some guidance, or refer you to a financial advisor. |
|
)