The suite of Corporate Selection Umbrella Funds offers a range of investment options that cater for both a member’s working life and their retirement.
Core Investment Proposition
The Core Investment Proposition is the Trustee default investment strategy. It was chosen because it is the simplest, most cost effective and suitable based on the profiles of all members within the Umbrella Fund.
There are 2 investment strategies within the Core Investment Proposition:
Retirement goals-based strategy
It is outcomes focused and aims to help members achieve their retirement goals. Members are allocated into one of three Core portfolios, based on their profile, using Liberty Corporate's framework. Members would receive annual tracking against their retirement goal and guidance on how factors such as age of retirement and changes in contribution rates affects their retirement savings and thus their retirement goal.
Absolute return strategy
This is for risk averse members; the underlying portfolio is Liberty Stable Growth Fund. It is protection-focused which means that it is designed to limit losses and smooths returns by reducing volatility over the long term.
Employers can also choose from a wide range of portfolios if the Core Investment Proposition does not suit their needs.
Preservation
Members can remain invested in the fund at institutional rates when leaving employment to better achieve their retirement goals. They can preserve their investment in one of the four Trustee default portfolios or in any of the wide range of portfolios available.
Annuitisation
Members can consolidate all their retirement savings at competitive rates to receive a regular income in retirement. They can choose to invest in one or both Trustee default annuities with their retirement savings.
The suite of Corporate Selection Umbrella Funds offers a range of investment options that cater for both a member’s working life and their retirement.
Core Investment Proposition
The Core Investment Proposition is the Trustee default investment strategy. It was chosen because it is the simplest, most cost effective and suitable based on the profiles of all members within the Umbrella Fund.
There are 2 investment strategies within the Core Investment Proposition:
Retirement goals-based strategy
It is outcomes focused and aims to help members achieve their retirement goals. Members are allocated into one of three Core portfolios, based on their profile, using Liberty Corporate's framework. Members would receive annual tracking against their retirement goal and guidance on how factors such as age of retirement and changes in contribution rates affects their retirement savings and thus their retirement goal.
Absolute return strategy
This is for risk averse members; the underlying portfolio is Liberty Stable Growth Fund. It is protection-focused which means that it is designed to limit losses and smooths returns by reducing volatility over the long term.
Employers can also choose from a wide range of portfolios if the Core Investment Proposition does not suit their needs.
Preservation
Members can remain invested in the fund at institutional rates when leaving employment to better achieve their retirement goals. They can preserve their investment in one of the four Trustee default portfolios or in any of the wide range of portfolios available.
Annuitisation
Members can consolidate all their retirement savings at competitive rates to receive a regular income in retirement. They can choose to invest in one or both Trustee default annuities with their retirement savings.
The suite of Corporate Selection Umbrella Funds offers a range of investment options that cater for both a member’s working life and their retirement.
Core Investment Proposition
The Core Investment Proposition is the Trustee default investment strategy. It was chosen because it is the simplest, most cost effective and suitable based on the profiles of all members within the Umbrella Fund.
There are 2 investment strategies within the Core Investment Proposition:
Retirement goals-based strategy
It is outcomes focused and aims to help members achieve their retirement goals. Members are allocated into one of three Core portfolios, based on their profile, using Liberty Corporate's framework. Members would receive annual tracking against their retirement goal and guidance on how factors such as age of retirement and changes in contribution rates affects their retirement savings and thus their retirement goal.
Absolute return strategy
This is for risk averse members; the underlying portfolio is Liberty Stable Growth Fund. It is protection-focused which means that it is designed to limit losses and smooths returns by reducing volatility over the long term.
Employers can also choose from a wide range of portfolios if the Core Investment Proposition does not suit their needs.
Preservation
Members can remain invested in the fund at institutional rates when leaving employment to better achieve their retirement goals. They can preserve their investment in one of the four Trustee default portfolios or in any of the wide range of portfolios available.
Annuitisation
Members can consolidate all their retirement savings at competitive rates to receive a regular income in retirement. They can choose to invest in one or both Trustee default annuities with their retirement savings.
We know that you care about your employees and their families. Our risk solutions cover a wide range of circumstances and provide for your employees when they might find themselves in financial need.
Group Life Assurance
Losing a loved one is always difficult, and can become even more so if those left behind experience financial strain as a result of this loss. If a member dies, our group life assurance benefit pays a cash lump sum to his or her loved ones.
Family Funeral Benefit
The days following the loss of a loved one are often the most trying for any family. Our family funeral benefit pays a lump sum if a member or someone in his or her immediate family dies.
This lump sum can help members and their families pay for funeral costs and any other immediate expenses.
Capital Disability and Impairment
This benefit is designed to provide financial security for members and their loved ones. It pays a lump sum in cash if a member becomes physically disabled or impaired due to an accident or illness. This financial security can help a member and his or her family adjust to a new way of life.
Dread Disease
Recovering from a chronic disease has a significant financial and emotional impact on any family. Our dread disease benefit pays out a lump sum in cash to help cover the costs associated with members' illnesses, giving them and their families the opportunity to adjust to a new way of life.
Income Protection Plan
Our income protection plan provides members and their families with reliable financial security if they are unable to work due to serious illness or injury by providing them with a monthly income over a certain period of time.
Spouse's and Children's Pension
Losing a loved one is always difficult, and can become even more so if those left behind experience financial strain as a result of this loss. Our spouse's and children's pension benefit provides life cover that pays out in the form of an annuity to loved ones in the event of a member's death.
Educator
Our Educator benefit is designed to help cover the cost of a member's children's education should he or she die, or become totally and permanently disabled, whilst employed. This benefit is payable even if the member was not the school-fee paying parent.
We know that you care about your employees and their families. Our risk solutions cover a wide range of circumstances and provide for your employees when they might find themselves in financial need.
Group Life Assurance
Losing a loved one is always difficult, and can become even more so if those left behind experience financial strain as a result of this loss. If a member dies, our group life assurance benefit pays a cash lump sum to his or her loved ones.
Family Funeral Benefit
The days following the loss of a loved one are often the most trying for any family. Our family funeral benefit pays a lump sum if a member or someone in his or her immediate family dies.
This lump sum can help members and their families pay for funeral costs and any other immediate expenses.
Capital Disability and Impairment
This benefit is designed to provide financial security for members and their loved ones. It pays a lump sum in cash if a member becomes physically disabled or impaired due to an accident or illness. This financial security can help a member and his or her family adjust to a new way of life.
Dread Disease
Recovering from a chronic disease has a significant financial and emotional impact on any family. Our dread disease benefit pays out a lump sum in cash to help cover the costs associated with members' illnesses, giving them and their families the opportunity to adjust to a new way of life.
Income Protection Plan
Our income protection plan provides members and their families with reliable financial security if they are unable to work due to serious illness or injury by providing them with a monthly income over a certain period of time.
Spouse's and Children's Pension
Losing a loved one is always difficult, and can become even more so if those left behind experience financial strain as a result of this loss. Our spouse's and children's pension benefit provides life cover that pays out in the form of an annuity to loved ones in the event of a member's death.
Educator
Our Educator benefit is designed to help cover the cost of a member's children's education should he or she die, or become totally and permanently disabled, whilst employed. This benefit is payable even if the member was not the school-fee paying parent.
We know that you care about your employees and their families. Our risk solutions cover a wide range of circumstances and provide for your employees when they might find themselves in financial need.
Group Life Assurance
Losing a loved one is always difficult, and can become even more so if those left behind experience financial strain as a result of this loss. If a member dies, our group life assurance benefit pays a cash lump sum to his or her loved ones.
Family Funeral Benefit
The days following the loss of a loved one are often the most trying for any family. Our family funeral benefit pays a lump sum if a member or someone in his or her immediate family dies.
This lump sum can help members and their families pay for funeral costs and any other immediate expenses.
Capital Disability and Impairment
This benefit is designed to provide financial security for members and their loved ones. It pays a lump sum in cash if a member becomes physically disabled or impaired due to an accident or illness. This financial security can help a member and his or her family adjust to a new way of life.
Dread Disease
Recovering from a chronic disease has a significant financial and emotional impact on any family. Our dread disease benefit pays out a lump sum in cash to help cover the costs associated with members' illnesses, giving them and their families the opportunity to adjust to a new way of life.
Income Protection Plan
Our income protection plan provides members and their families with reliable financial security if they are unable to work due to serious illness or injury by providing them with a monthly income over a certain period of time.
Spouse's and Children's Pension
Losing a loved one is always difficult, and can become even more so if those left behind experience financial strain as a result of this loss. Our spouse's and children's pension benefit provides life cover that pays out in the form of an annuity to loved ones in the event of a member's death.
Educator
Our Educator benefit is designed to help cover the cost of a member's children's education should he or she die, or become totally and permanently disabled, whilst employed. This benefit is payable even if the member was not the school-fee paying parent.