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.

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.

The Linked Growth Plan is a single premium linked policy where the initial capital plus interest at a fixed rate, is payable to the policyholder at the end of the five year term. The Linked Growth Plan invests in a Fixed Return Deposit which is purchased from one of the five top credit rated banks. The investment return of this Fixed Return Deposit is guaranteed by the relevant bank in so far as the bank continues as a going concern and provided the Fixed Deposit is held to maturity. The value of the benefits under the Linked Growth Plan is accordingly not guaranteed by Clientèle Life and the policyholder accepts the credit and investments risk of the underlying financial instruments.

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

Tax Implications

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

Underlying Financial Institutions

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

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