Let us help protect you and your family from the financial impact of life's unexpected events such as death, disability and critical illness.
At Liberty, we offer investment solutions that can help you, as an individual, reach your investment goals.
Your family means a lot to you. What steps should you take to ensure that their current and future needs are met?
Liberty Corporate offers a wide range of risk and annuity products, tailored to an employee’s unique needs.
Liberty Corporate has a range of investment portfolios suitable as retirement funds and for businesses.
Liberty Corporate’s umbrella solutions give you the flexibility to structure employee benefits.
Liberty Corporate’s fully fledged administration team provides a comprehensive fund administration service.
Liberty Corporate provides a multitude of specialist consulting and actuarial solutions.
We know the important role you play in your employees' financial lives. We created an employee benefit solution that is simple to use and easy to understand: Liber8 Smart helps to protect their financial future so that both you, and your employees, can live life to the full.
Libert8 Smart includes a simple, cost-effective investment solution as well as life and disability cover. This allows your employees to live their lives safe in the knowledge that they are empowered to invest in their retirement and that their families are financially protected.
What makes Liber8 Smart smart?
A simple employee benefit solution that is easy to understand
An innovative life stage investment solution
A packaged risk solution that offers significant benefits at competitive rates
Cost-effective with a simple payment structure
Smart investingRetirement contributions are invested in the Liberty Life Stage investment portfolio. This solution consists of a growth phase and a preservation phase. The growth phase provides members with exposure to high growth-focused investments for as long as possible in order to maximise the long-term growth in their retirement assets. The preservation phase focuses on capital protection as members appr oach retirement.Smart risk solutionsLiber8 Smart has eliminated the complexity of selecting the appropriate mix of cover for your employees. It provides you with the opportunity to offer employees guaranteed age-related primary cover, free of medical underwriting, at a fixed rate, subject to certain conditions.It includes funeral cover as well as value-added benefits such as body repatriation, trauma counselling and legal advice.Value-added servicesLiber8 Smart offers a range of value-added services that will enhance your employee benefit offering.Joining basicsLiber8 Smart is available as either a pension or provident fund.
A minimum of five employees per employer is required.
The minimum total contribution per employer is R3 000 per month.
What makes Liber8 Smart smart?
Liberty Corporate is committed to providing our clients with a holistic range of employee benefit solutions.
The following business-related and value-added services are offered through an external professional service provider to members, their spouses and dependants under the age of 21:
Emergency medical information, advice and referral hotline
Emergency ambulance service
Trauma assistance helplineThese value-added services are free and available 24 hours per day, 365 days per year, in the member's language of choice.Value added servicesValue added service payslip AfrikaansValue added services payslip EnglishValue added services payslip SothoValue added services payslip ZuluThe above services are facilitated through Liberty Corporate but provided by Cims South Africa (Pty) Ltd.
Liber8 Smart's operating expenses comprise four main types of fees or charges:
Administration fees associated with member and employer administration
Sales-related charges levied to cover the cost of establishing the employer's participation in the retirement fund, including commission
Governance levies and statutory levies associated with ensuring governance and compliance with statutory requirements
Investment management fees levied by asset managers for investment services rendered
All Liber8 Smart contributions are invested in our innovative life stage solution, Liberty Life Stage.
This solution has a growth phase and a preservation phase. The growth phase uses the Liberty stable growth fund, which provides exposure to high growth-focused investments for as long as possible in order to maximise the long-term growth in their retirement assets. Thereafter, the preservation phase uses the Secure Fund, which focuses on capital protection as members approach retirement.
This offers the advantages of two distinct investment goals: stable returns in the short term and attractive growth over the medium to long term.
This portfolio's investment mandate aims to provide high exposure to growth assets, whilst maintaining a major focus on minimising the impact of downside market movements on the employee's investment return. It achieves this objective through the following features:
A passive balanced mandate
Actively managed layer focused on capital preservation
Smoothing overlay to reduce volatility
A targeted benchmark, CPI +5% per annum over rolling three-year periods, gross of fees
This portfolio offers members exposure to smoothed equities and bonds, unlisted property, cash and listed property. The smoothing of equities helps ensure exposure to the expected medium- to long-term growth, inherent in equities, whilst offering stable returns in the short term. The fund is also exposed to the attractive expected long-term growth of unlisted property, with the inherent short-term stability. The cash and bonds in the fund also aid in giving stability to the short-term returns.
Liber8 Smart has eliminated the complexity of selecting the appropriate mix of cover for your employees.
It offers employees guaranteed, age-related primary cover, free of medical underwriting, at a fixed rate of payroll.
Death and lump sum disability benefit
If a member should die before retirement age, his or her beneficiaries will be paid a lump-sum benefit.
A capital disability benefit is payable as a lump sum when a member becomes disabled.
The above cover is age-related and decreases as the member ages and his or her financial burdens decrease.
Family Funeral Benefit
The days following bereavement are very often the most trying for a family. The family funeral benefit provides a lump sum on the death of the member and/or his or her immediate family (spouse/s and children). This helps the family deal with urgent costs associated with funeral expenses.
This benefit includes body repatriation facilitation (within certain territories) and additional funeral-related services, including legal advice as well as bereavement and trauma counselling.
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