Through all the stages of your life you should have one-stop access to all the investment solutions you need. At Contego we take a holistic approach to managing your retirement investments by connecting all the financial areas of your life into one comprehensive plan based on your unique situation and needs, which do not only include your growth and income requirements, but also your risk tolerance and time frame.
Our retirement investment and pension fund strategies consist of three primary parts: comprehensive financial planning, correct product and ongoing management. To Read more…
Comprehensive Financial Planning
Replacing random financial choices with a well-balanced plan, ensures that all the elements comprising your financial life will be properly aligned. We’ll work with you to develop a personalised financial plan that is easy to understand and provides a way to track goals and measure the progress.
Products
Using traditional retirement annuities, preservation and provident pension plans and living annuities, a team of investment, estate and retirement planning specialists will work with Contego to customise a solution that controls the variables and meets your needs in a dependable fashion.
Retirement Annuities
A retirement annuity, as the name implies, is an investment policy which is used to save for your retirement. The policy can be funded by way of a single lump sum or regular contributions. A retirement annuity runs until the day you retire and cannot be accessed until then. Again, there are several tax advantages attached to the retirement annuity, with the added advantage that all of Contego’s funds could be used within this policy, making it an attractive retirement savings vehicle.
Preservation and Provident Pension
A preservation fund is an "extension" of your employer's pension or provident fund. When resigning from one employer or in the event of your retrenchment, your pension or provident fund savings are transferred to a preservation fund. The rules of a preservation fund do not permit you to top up the investment. All new pension or provident fund savings must be added to your new employer's pension or provident fund. The preservation fund preserves the tax benefits associated with a pension or provident fund until you reach retirement age. On retirement, the policy value has a favourable tax treatment. All of Contego’s funds could be used within a preservation or provident pension for extra security and peace of mind.
Living Annuities
Living annuities are only purchased once you retire. Your retirement annuity or preservation pension or preservation provident fund is used for funding a monthly pension (or annuity) for the rest of your life (hence the name "living annuity"). All of Contego’s funds could be used within a living annuity for extra security and peace of mind.
Ongoing Management
Finding the right mix of risk and reward, we’ll create a diversified investment plan (using direct investments, Contego Unit Trusts and other approved available funds) for managing your assets in accordance with your financial plan. Unlike brokers, bankers or insurance sales people, our financial advisors are not limited by a narrow field of investment choices or motivated to sell “in-house” financial products. Our fee-based approach to services places our focus solely on serving your best interests.
In any market, there are always smart places for your money. We’ll help keep you on course and give you the guidance and support to avoid expensive emotional reactions to unexpected market swings.
From accumulation to conservation to distribution, we’ll guide you every step of the way, helping you reach your goals before and after retirement while accommodating those unexpected bumps along the way.