R e t i r e m e n t
 
We make it easy to retire
 
 
 


  
 
I am Retireing !!
 
 
3 Options to invest my funds in, when I retire from my Pension - Provident- or retirement annuity Fund
 
 
 
 
 Standard Living Annuity
 
 
Your income is set on a yearly basis according to the fund value and income level chosen.
There is a Beneficiary on death
 
 
 
 
Life Annuity
 
 
You receive an income for life at a set percentage and a set yearly increase
with or without a Beneficiary on death
 
 
 
Fixed / Guaranteed Annuity
 
 
Your income is set for a period and there after it can change according to the fund value.
There is no beneficiary on death
 
 
 
 
 
 
 
 
What to do when I retire?
 
1. Prepare an expense budget.
2. Prioritize the expenses.
3. Request a quote and let us determine if your pension fund can  pay for all the expenses.
4. We will contact you to discuss the best option.
 
Complete our form below and after a complete assessment of your situation and the products you have we will provide you with a solution that will suite you the best
 
 
 

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Thank you for your Annuity Quote Request
 


 

 

 
Frequently asked questions
 
Goals of a Pension fund

The primary goals  is to maintain your standard of living.
 
With over 90% of people not able to retire with the same income as there last salary, sufficient fund management and growth is required to maintain an income that will provide the minimum required income per month to survive on. Capital growth is important to keep up with inflation.
Unfortunately a lower income is the result of poor or neglected savings strategies.
 
 
How much tax am I going to pay when I retire.
 
Your monthly tax is determined by the total income you receive.
 
The tax you are going to pay when you take a lump sum can be seen on the
 
 
(Always do your taxes even if your income is below the minimum threshold)
 
 
How do we invest your money
 
 
On a living annuity growth on your funds depend on the funds that we use at the investment house.
 
The FACT SHEETS or details about the funds can be seen by following the link.
 
 
Explaining the market
(if you have questions contact us)
 
Why does my fund value fluctuate
 
 

 
 
 
 
 
 
 
 
 
What about fees
 
There are different fees on a annuity
 
1. Fees charged by the fund manager
2. Performance fees
3. Platform fees
4. Financial Advisor fees.
 
Fact about fees: It does not matter what the fees are but it it has been proven that the experience of your advisor is more important than the fees they charge.
Market conditions cannot be influenced by your advisor, but he can assist you in correctly handling those conditions.
 
 Who is our supporting product suppliers
 
Liberty Life
Stanlib
Allan Gray
Momentum
Discovery
Old Mutual
Coronation Funds
Sanlam
 
 
 
GET YOU QUOTE TODAY
 
or
 
ASK A QUESTION
 


 
 
 


 
 
Liberty Life, Discovery Life, Momentum Life, Sanlam, Hollard, Allan Gray, Coronation, Brigde Fund Managers
Discovery Insure, Momentum Insure, Sanlam, Hollard Insure, Mutual and Federal, Verseker, First for Women, Auto and General
Multiply, Vitality, Reality
 
 

 
 
 We make retirement decisions easy
 
 
 
 
 What we offer
 
Financial Advice
 
Pension Products
 
Retirement Annuities
 
Endowments
 
Unit Trust
 
Life Insurance
 
Care Insurance
 
Medical Aids
 
 
About Us
 
16 years experience
 
Registers FSB: 25405
 
Long Term Insurance
 
Short Term Insurance
 
 
Contact us
 
Cell: 082 494 5624
 
Landline: 012 547 37 69
 
email: info@bluecare.co.za