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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
5. Disability Cover
6. Think about life and disability
7. Retirement Planning
Current situation at age65 Working 31% Dependent on state pension 16% Financially independent 6% Dependent on family 47%
8. Cost of realising pension fund benefits
9. Realising pension fund benefits(continued )
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
For day-to-day contingencies
11. The advantage of investing early
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
14.
A Qualified, objective financial advice O LDMUTUALINTERMEDIARY Client Services Legal Advice Actuarial Support O ldMutual/ Associated Companies 15. Tax Advice
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 )
18. Contingency fund Income- generating investments Growth investments Life, disability and health cover C Well Structured Portfolio 19. Liquidity( Contingency fund )
20. Income
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