Clientèle Investments

Guaranteed Income Plan

The Guaranteed Income Plan is a two-fold investment product where the initial capital is returned to the policyholder after five years and a guaranteed monthly/annual income is provided.

  • Minimum investment R30,000;
  • Investment term: 5 years;
  • Tax-free return;
  • Excellent flexibility options.

Tax Implications

The policy holder receives a tax-free return in terms of the current legislation at the end of the term. Only the non-capital portion of the monthly/annual annuity is taxable, resulting in the effective tax rate that being substantially lower than other investments where the entire income is taxed.

Underlying Financial Institutions

Clientèle Life underwrites the policy. Clientèle Life guarantees the original investment value and the yield thereon. The funds are invested in financial instruments with an A+ or better credit rating, e.g. First Rand, Nedbank, Standard Bank, Investec or ABSA.

Downloads:
Clientèle Investment Product Brochure
Clientèle Combined Product Brochure

Guaranteed Growth Plan

The Guaranteed Growth Plan is an endowment product where the original investment amount, plus the yield at the guaranteed rate for the investment period, is payable to the policyholder at the end of a five-year term.

  • Minimum investment R10,000;
  • Investment term: 5 years;
  • Tax-free return;
  • Excellent flexibility options.

Tax Implications

The policy holder receives a tax-free return in terms of current legislation. The policyholder fund, administered by Clientele Life, is liable for all taxes, including capital gains tax (CGT).

Underlying Financial Institutions

Clientèle Life underwrites the policy. Clientèle Life guarantees the original investment value and the yield thereon. The funds are invested in financial instruments with an A+ or better credit rating, e.g. First Rand, Nedbank, Standard Bank, Investec or ABSA.

Downloads:
Clientèle Investment Product Brochure
Clientèle Combined Product Brochure

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