Liberty Standard Bank Group

Do you have money lying around that you would like to invest? Liberty Standard Bank Group offer a range of Investment products that will help you grow your money. To Find out more speak to DR. O.T by clicking here.

What is an Investment Plan?

An Investment Plan is a financial product which allows you to invest in various asset classes in order for you to build your wealth or create an income from your investments.

Why should you consider investing in an Investment Plan?

An Investment Plan gives you the ability to choose to invest in a wide range of portfolios to help you achieve your goals and aspirations.

What are the benefits of investing in the Evolve Investment Plan?

The Evolve Investment Plan helps you grow your money.

Pay-on-delivery investing

We take on the risk and you share in the rewards of these returns. We promise that if your investment doesn't grow by at least the Target Return in any of the first three years, you won't ever have to pay for the costs of setting up your investment plan.

Flexibility of choice

More than one investment manager looks after your money. Liberty Multi-Manager invests your money with different investment managers for you at no additional cost.

Tax-efficient investment

An investment with no additional tax payable at the end of five years if it is still held by the original owner.

How to invest in the Evolve Investment Plan?

When you invest in the Evolve Investment plan, a portion of your investment is placed in a Capped Tracker portfolio. You can decide whether to place 60% or 40% of your investment in this portfolio. The Target Return depends on the option you choose. The Capped Tracker Portfolio gives you a return on the ALSI 40 (including dividends).

You share the investment growth in the ALSI 40 that exceeds the Target Return in the first three years with Liberty. After three years, all growth sharing ends and your investment in the Capped Tracker is automatically switched to the Top 40 Tracker.

The remaining portion of your money will be invested in your choice of portfolios. You can choose between trackers, managed solutions and any of the portfolios on the GateWay Investment Plan.

Speak to a Liberty Financial Adviser or your Broker to help you with the Evolve Investment Plan and the right solutions for your needs, including more details about benefits, definitions, guarantees, fees, tax, limitations, charges, premiums/contributions or other conditions and associated risks.

What is the minimum amount you need to invest in the Evolve Investment Plan?

The Evolve Investment Plan starts with a minimum of R150,000.

What type of product is the Evolve Investment Plan?

The Evolve Investment Plan is Liberty's pay on delivery endowment policy. Endowments are beneficial for investors in higher tax brackets as they are taxed at a fixed 30%. They have to be held for a minimum of five years.

For more details about benefits, definitions, guarantees, fees, tax, limitations, charges, premiums/contributions or other conditions and associated risks, please speak to a Liberty Financial Adviser or your Broker and request a quote.

How much does it cost to invest?

You pay portfolio management fees, platform fees, growth sharing deduction, guarantee charges (if you select one of the optional guarantees), initial commission and the agreed ongoing advice fee for your Financial Adviser. You may also receive an enhancement to your lump sum depending on the amount invested.

Disclaimer

The summary information contained herein does not constitute advice by Liberty. Any legal, technical, or product information contained on this webpage is subject to change from time to time. If there are any discrepancies between the content herein and the contractual terms and conditions or, where applicable, any fund rules, the contractual terms and conditions or fund rules will prevail. Past performance cannot be relied on as an indication of future performance. Investment performance will depend on the growth in the underlying assets, which will be influenced by prevailing market conditions. Any recommendations made by a financial adviser or broker must take into consideration clients specific needs and unique circumstances.

Liberty Group Ltd is a Licensed Insurer, the Insurer of the Evolve Investment Plan and an Authorised Financial Services Provider (no. 2409). Terms and Conditions apply.