Just three simple steps to a complete solution to meet your individual investment needs without taking away the freedom to be you.
Step 1
Unsurprisingly, with Max Investments, you have the freedom of choice, as always. You can either go for a Flexible Investment Plan with complete premium payment flexibility, or alternatively, enjoy the benefits of disciplined savings using a Focussed Investment Plan. But who ever said you can't have both? Why not choose a combination of the two.
Flexible Investment Plan
This payment option affords flexibility by allowing for lump sum and scheduled contributions.
Investment Minimums:
- Lump Sum: R 10 000.00
- Scheduled: R500/month
Investment Term:
There is no contractual investment term, which means that you have complete freedom when it comes to making contributions to your investment.
Focussed Investment Plan
This means that all of your money is invested from day 1!
Note that the 100% investment allocation option does not apply for payments made via stop order and investments made into certain external (non-Old Mutual) funds.
Investment Minimums: R250/month
Step 2
Have a look at our selection of tax wrappers*:
Life Pure Investment Wrapper
This wrapper ensures that all income and capital gains** earned on the LIFE Pure Investment are taxed in the hands of the LIFE company, which essentially means that any and all money you earn on this investment is absolutely tax-free.
Linked Investment Service Provider (LISP) Wrapper
- The LISP wrapper ensures that all your interest, as well as rental income, and foreign dividends*** earned on your investment are taxed at the lowest possible tax rate applicable.
- When and if you decide to sell your investment, the money you have made on that investment (your capital gain) will be taxed at your individually appropriate tax rate.
- You can even use your yearly interest and capital gains exemptions to reduce the amount of tax that you need to pay.
Life Retirement Annuity Wrapper
- Premiums paid may be tax deductible by you (up to certain limits).
- A portion of the lump sum taken at Retirement may be tax-free.
- Once your Retirement Annuity has matured, two thirds of the funds will be taxed at your appropriate tax rate, and one third may be tax-free.
*A tax wrapper is a structured solution that reduces your tax burden and guarantees tax-efficiency.
**A capital gain is the difference between what you paid for an investment and what you will receive when and if you decide to sell that investment.
***Money paid out to you from foreign shares/equities.
Step 3
With an extensive range of up to 200 investment funds conveniently categorised into Guaranteed, Defensive and Market Growth categories, you are able to choose an investment fund that's 100% you.