Retirement Annuity Builder - YTFS

1 Retirement Annuity BuilderInvest in the Retirement you deserveThink about it for a a beautiful multi-coloured sunset and not a care in the world. This is what Retirement is all about relaxing, enjoying time with your family and watching the world go by. Whether you enjoy spending time in art galleries, fishing for the big one or walking hand-in-hand through the streets of your dream holiday destination, it s all within your reach with some help from Liberty Investments. With Liberty Investments, you can be certain that when the time comes for you to get out of the rat race, we will be right there, as we will be every step of the way. You work hard your whole life; you deserve the rewards of a good for your future starts today. Don t wait for a better time; the future happens to everyone and you have to be prepared.

2 You have a life journey ahead of you and at the end, you want to get the most out of it. We can help you achieve your goals along the way and give you the financial freedom to enjoy every moment. You can have enough money to take up bungee jumping classes or an exotic elephant-back holiday in India the only limit is your imagination. Live life your wayIt is as easy as it sounds. Investing with Liberty Investments can make your money grow, and if you have enough money life is easy and you do things your way. Every day you work to build a future for you and your family and perhaps to leave a lasting legacy for your children. We can help; our Retirement Annuity Builder can help you provide for a certain financial we can make your dreams come true:investment portfolios tailor-made for individualsmost comprehensive range of guaranteed portfoliosflexible premium structures six months payment holiday in the event of maternity information contained in this document does not constitute advice by Liberty.

3 Any legal, technical or product information contained in this document is subject to change from time to time. If there are any discrepancies between this document and the contractual terms or, where applicable, any fund rules, the latter will prevail. Past performance cannot be relied on as an indication of future performance. Investment performance will depend on the growth in the underlying assets, which will be influenced by inflation levels in the economy and prevailing market conditions. Any recommendations made must take into consideration your specific needs and unique Group Ltd is an Authorised Financial Services Provider in terms of the FAIS Act (no. 2409).The Builder Investment Series is underwritten by Liberty Active Ltd, a wholly owned subsidiary of Liberty Group Ltd.

4 Liberty Group 2009. All rights reserved. Take a look at our Retirement Annuity BuilderBuild capital for your Retirement it is not accessible until you retire (which can be any time after age 55).Purchase an income-generating Annuity with at least two-thirds of the capital proceeds of your from a wide range of professionally managed investment investment performance guarantees on selected portfolios give you the security of a minimum guaranteed return with uncapped upside Excelsior Lifetime portfolio provides you with a pre-determined investment strategy, structured to create and preserve wealth by automatically switching your investment from more aggressive to more conservative portfolios as you approach optional Retrenchment Premium Waiver will pay all premiums due for the next 12 months if you* are retrenched and cannot find employment within a optional Disability Premium Waiver will pay all premiums due until the end of the benefit term if you* become can make use of the Maternity Leave Premium Holiday, where you can opt to suspend your premium payments for up to six months when on maternity leave, with no early termination Retirement Annuity is safe from most creditors as it cannot be attached or used as from a policy bonus and reduction in management fees over time.

5 * You means member of the Lifestyle Retirement Annuity FundThe graph illustrates the percentage of income you need to save, starting at various ages, to be able to retire with an income of 80% of your final annual salary, assuming that you retire at age 65 and that your post- Retirement income is protected against you be throwing snowballs in Switzerland, diving with the sharks in Cape Town or having a cup of coffee in New York? The choice is yours; make the right decision today to invest with Liberty Investments. If you would like to find out more about the Retirement Annuity Builder from Liberty Investments, please speak to your Liberty Wealth Adviser or contact our call centre on 0860 456 789 or visit at which you start savingSource: Liberty InvestmentsLesoba Difference 11084 Oct 2009