Invest In An Endowment

carefully selected investment portfolios

An endowment is suitable for investors with a marginal tax rate of more than 30%. You can use an endowment policy to save for any financial goal. It has estate planning benefits; your money is paid directly to your nominated beneficiaries at death, saving executor fees on the investment.

The underlying investments in an endowment are unit trust funds. A unit trust is a flexible investment solution which enables investors to save towards any financial goal in a transparent and cost effective manner.

You are allowed to make one withdrawal from the policy during the first five years since its inception, after which withdrawals are unlimited.

  • Your money is invested in a selection of carefully selected investment portfolios
  • The death benefits are paid directly to your nominated beneficiaries
  • You can invest using a monthly debit order or a lump sum
  • You investment may be used a security or collateral at any time.
  • An endowment is a tax efficient way to save, you are taxed at 30% instead of your high marginal tax rate
  • You will receive all your money net of tax when you withdraw it.

What is an endowment?

Endowments are after-tax investment products that invest in a variety of underlying investment options, including unit trust investments. The main considerations when selecting an endowment are the tax and estate planning benefits.

Who is endowment suitable for?

If you are a higher income earner looking for an investment that will result in you paying less tax, while growing your money an endowment is the right investment option. An endowment suitable for investors whose marginal tax rate is higher than 30%, as the income tax rate applicable within the policy is 30%.

What happens if I die?

In the event of your death, your money may be paid to your nominated beneficiaries as a tax- free lump sum. However, the investment may continue in the name of the beneficiary nominated in the policy.

Is this an education policy?

No. Generally education policies are structured as an endowment and include an insurance cover. The endowment that we use is an investment product without an insurance cover or guarantees. Your investment growth is based on the performance of the model portfolio that we select for you.

Stable Portfolio
Why this portfolio?

You want a model portfolio that seeks to deliver returns above that of a money market account

You have a low risk appetite but require capital growth

You want to preserve your capital, without exposing it to capital loss over a two year period

I'm Interested
Balanced Portfolio
Why this portfolio?

You want steady growth of income and capital

You are comfortable with moderate market fluctuations and potential capital loss

You are investing for three years or longer

I'm Interested
Equity Portfolio
Why this portfolio?

You require long-term capital growth

You do not require an income from your investment

You are willing to accept short-term capital losses

You are investing for five years or longer

I'm Interested

Need help? Can't decide?

We take time to get to know you and your requirements,
creating a financial plan that suits you.

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