1. Financial Planning (general) Financial Services Offered Financial Planning(Retrenchment) Money Management Capital Gains Tax Women Market Education Death & Disability Short Term Insurance Business Entities Investments Retirement(Personal) Financial Planning(General) Trust, Wills & Estates

2. Ift he deal sounds too goodt o be true it probably is . Seek objective advice BE CAREFUL! 3. Financial Planning Protection of family and estate Wealth creation Life cover Health cover Disability cover Investment planning Retirement planning 4. Life cover

We sellLIFEassurance, not death assurance

It does not interfere with financial plans, but helps to achieve them

It is money for future delivery

Its parting with todays earnings to buy rands for the future

5. Disability Cover

Two things produce income :

• People at work

• Capital at work

If people cannot work any moreanother source of income

Risk cover theonly wayto have access toalargelump sum on death,disability or severe illness

• Investments take time tobuild up

6. Think about life and disability

How will you and your dependants survive without your income?

If you think youre struggling to make ends meet on your salary, can you imagine your family trying to cope without it?

How will you cope with the ever increasing cost of living?

7. Retirement Planning

Planning for a financially independent retirement

Current situation at age65 Working 31% Dependent on state pension 16% Financially independent 6% Dependent on family 47%

REASONS :

Income gap

Infla tion

Longer life expectancy

Cost of delay

8. Cost of realising pension fund benefits

Financial peace of mind is not provided by contributions alone ,but by compounding returns on contributions over time .

Realising of pension fund benefits implies a loss of the compounding effect .

9. Realising pension fund benefits(continued )

Income gap factor should be considered :Less years of service=smaller pension

Money earned for ,retirement should be invested for that purpose

Income gap at retirement -Pension vs Salary 40% gap 60% gap 70% gap 10. Structuring your investment portfolio Investment Planning Emergency fund Income- producing Investments Growth Investment Provide or supplement income Generate capital & protect existing capital

Participation bonds

Fixed deposits

Anchor Income Plans

Shares

Endowment

Policies

Anchor

Growth Plan

Properties

Kruger rands

For day-to-day contingencies

Cash on hand

Savings acc.

Cheque acc.

Credit facilities

Short term insurance

11. The advantage of investing early

Liesl saves R10 000 p.a. forONLY10 years starting at age 30 and leaves her investment to grow for a further 25 years

David saves R 20 000 p.a. for 25 years starting at age 40

Growth rate: 10% p.a.

12. The advantage of investing early 0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 34 Year Fund Value Liesl David Illustrative Value R1,912,400 Illustrative Value R2,179,200 13. Planning to meet your needs

A Qualified financial advice

B Analysis of needs:now and in the future

C Well structured portfolio

14.

Expertise in financialplanning

Excellent support

A Qualified, objective financial advice O LDMUTUALINTERMEDIARY Client Services Legal Advice Actuarial Support O ldMutual/ Associated Companies 15. Tax Advice

Minimise tax on your benefits

Make tax-efficientinvestments

Exempt from tax Average rates Marginal rates 16. Financial Planning Protection of family and estate Wealth creation Life cover Health cover Disability cover Investment planning Retirement planning B Analysis of needs 17. Analysis ofNeeds( continued )

Professional and/or computer-based financial planning analysis

Structuring a package and adjusting it at the touch of a button

Reviewing your will

18. Contingency fund Income- generating investments Growth investments Life, disability and health cover C Well Structured Portfolio 19. Liquidity( Contingency fund )

Selling redundant assets

Realising assets

Role of your bank manager

Realising retirement fund benefitsincome tax implications

20. Income

R6 000interest exempt from tax

Maximise after-tax income

Investment ofR75 000

Monthly income Fixed deposit R906 R543 Participation bonds R953 R561 Income plan * R718 R642 Before tax After tax ( Guaranteed ) *Assuming a tax rate of40% 21. Making your money work harder for you helping you every step of the way 22. Thank you Financial Planning(Retrenchment) Money Management Capital Gains Tax Women Market Education Death & Disability Short Term Insurance Business Entities Investments Retirement(Personal) Financial Planning(General) Trust, Wills & Estates