Investment Plan

There are many hopes and aspirations that you have for yourself and your family – whether it’s a new home, a new car, planning a wedding, providing the best education for your children or starting a small business on the side.

These goals can seem impossible if you don’t have the kind of money needed to make them a reality. And yet they are possible – it just takes time and your commitment to keep investing. Even a small investment every month can grow into a big amount over time

As with any investment, the longer you invest for, the more your investment will grow.

STEP 1

You decide how long you want to invest for. Choose between 5, 10 and 15 years.

STEP 2

You decide how much you want to invest per month. There are minimum investment amounts, depending on how long you invest for:

STEP 3

If you want, you can choose up to 8 beneficiaries who will each get a portion of your investment should you pass away before the investment term is over.

STEP 4

Complete a simple application form with your Financial Adviser or telephonically with one of our Direct Consultants.

Your investment is protected

Investing comes with its ups and downs. With the Liberty Investment Plan, we know how important it is to protect your hard-earned money. That’s why we guarantee that, if the investments your money is in do badly, you will get back all the money you invested (minus any fees).

Staying invested pays off

The investment has to be kept for the agreed-upon time in order to see the full potential of growth. This is a long-term investment and early termination will result in early termination charges.

If you really need some money urgently, you can withdraw some

We don’t recommend taking any of your investment out earlier than planned as it means you won’t see it grow enough to meet your goals. However, we understand that unplanned emergencies happen. You are allowed to withdraw a part of your investment once during the first 5 years. After the first 5 years, you can make any number of withdrawals. Remember though, this investment helps you achieve your goals and dreams, so try to let it grow as much as it can.

You can change your mind

If it becomes difficult to keep investing the amount you started with and you want to reduce your monthly investment, you can also do so. If the amount you want to invest is less than the minimum for the time period you chose, we will extend the term to match the minimum. The least you can invest per month is R200 which has to be over 15 years.

If you cannot afford to keep investing monthly at all, you can stop paying and your investment will be considered “paid up”. If you do this before the end of the first 5 years, we hold your investment and keep it growing until the 5 years are up.

At the end of your chosen investment time…

You can withdraw your investment to make the dream you planned for a reality

Or

You can keep your investment going for another 5 years, giving it time to grow even more.