A Blueprint for Creating and Protecting Wealth
7 Derby Place, Derby Downs Office Park
Westville

031 275 2700
info@fmsinvestments.co.za

Mon - Fri 8.00 - 18.00
Saturday - Sunday CLOSED

Investment

Investing a lump sum

This plan doesn’t charge set-up costs or initial advice fees until we earn
you more than 13% per annum after tax. Invest from R150 000 once-off or R100 000 with recurring investments of R500 or more pm

Introduces the concept of Bundling, which allows you to purchase a plan that groups associated investments under one bundle. Invest from R250 000 or more

Invest in a select range of Unit trusts in one place and when you need
your money, you will have full access to your investment at no cost. Invest from as little as R1000 pm

Provides a guaranteed fixed return on your investment. Invest from
R50 000

This is a 5 year endowment that is open ended thereafter. Invest from R12 500
lump sum and R2 500 for adhocs.

It uses an Endowment wrapper that has already been in existence for five years, thereby allowing immediate and unlimited access to your investment. Invest from R50 000 or more.

Invest to create wealth through offshore investments by utilising your
annual offshore allowance. Invest from R25 000 or more.

+ Evolve Investment Plan

This plan doesn’t charge set-up costs or initial advice fees until we earn
you more than 13% per annum after tax. Invest from R150 000 once-off or R100 000 with recurring investments of R500 or more pm

+ The Flexible Investment Plan

Introduces the concept of Bundling, which allows you to purchase a plan that groups associated investments under one bundle. Invest from R250 000 or more

+ Gateway Investment Plan

Invest in a select range of Unit trusts in one place and when you need
your money, you will have full access to your investment at no cost. Invest from as little as R1000 pm

+ Guaranteed Investment Plan

Provides a guaranteed fixed return on your investment. Invest from
R50 000

+ Investment Plan:

This is a 5 year endowment that is open ended thereafter. Invest from R12 500
lump sum and R2 500 for adhocs.

+ Multiple Access Investment Plan

It uses an Endowment wrapper that has already been in existence for five years, thereby allowing immediate and unlimited access to your investment. Invest from R50 000 or more.

+ Offshore Investment Plan

Invest to create wealth through offshore investments by utilising your
annual offshore allowance. Invest from R25 000 or more.

Investing regularly

Enables you to save for the cost of your child’s education.

Invest in a range of unit trusts for as little as R1 000.

An endowment with a minimum premium of R500

+ Education Builder

Enables you to save for the cost of your child’s education.

+ Gateway Investment Plan

Invest in a range of unit trusts for as little as R1 000.

+ Investment Builder:

An endowment with a minimum premium of R500

Investing for retirement

Has the optional Exact income fund, a unique fund that guarantees income at retirement. Invest from R150 000.

A tax- effective retirement investment for individuals who want to save
additional amounts for retirement, outside of any pension or provident funds. Invest from R15 000 lump sum or recurring investments of at least R1 000 per month.

No set-up costs or initial advice fees until we earn you more than 14% pa. Members of existing pension or provident funds can transfer their existing
benefits as per rules. Minimum lump sum of R150 000.

Save for your retirement with minimum of R12 500 lump sum.

Save for your retirement and take advantage of the generous tax concessions currently available to retirement funds in South Africa. Invest from R400 per month.

Evolve Retirement Annuity Plan doesn’t charge set-up costs or initial advice fees until we earn you more than 14% per annum. Invest from R150 000 once off or R100 000 with recurring investments of R400 or more per month.

Preserves your existing investment with your current employer up until retirement. Invest from R12 500.

+ Liberty's Agile Pension and Provident Fund Preserver:

Has the optional Exact income fund, a unique fund that guarantees income at retirement. Invest from R150 000.

+ Agile Retirement Annuity:

A tax- effective retirement investment for individuals who want to save
additional amounts for retirement, outside of any pension or provident funds. Invest from R15 000 lump sum or recurring investments of at least R1 000 per month.

+ Evolve Retirement Annuity Plan

No set-up costs or initial advice fees until we earn you more than 14% pa. Members of existing pension or provident funds can transfer their existing
benefits as per rules. Minimum lump sum of R150 000.

+ Retirement Annuity Plan

Save for your retirement with minimum of R12 500 lump sum.

+ Retirement Annuity Builder:

Save for your retirement and take advantage of the generous tax concessions currently available to retirement funds in South Africa. Invest from R400 per month.

+ Evolve Retirement Annuity Plan

Evolve Retirement Annuity Plan doesn’t charge set-up costs or initial advice fees until we earn you more than 14% per annum. Invest from R150 000 once off or R100 000 with recurring investments of R400 or more per month.

+ Pension and Provident Fund Preserver

Preserves your existing investment with your current employer up until retirement. Invest from R12 500.

Invest to generate an Income

For investors who want income and investment flexibility after retirement. Invest
from R75 000 or more lump sum. Select between 2.5% and 17.5% income.

Guarantees a fixed, regular income for a certain period of time. Invest from R12 500 lump sum

Can be bought from monies from a compulsory or voluntary source. It transfers the risk of outliving your money to Liberty. Invest from R12 500.

+ Flexible Annuity

For investors who want income and investment flexibility after retirement. Invest
from R75 000 or more lump sum. Select between 2.5% and 17.5% income.

+ Guaranteed Income Annuity

Guarantees a fixed, regular income for a certain period of time. Invest from R12 500 lump sum

+ Life Annuity

Can be bought from monies from a compulsory or voluntary source. It transfers the risk of outliving your money to Liberty. Invest from R12 500.