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INFOGRAPHICS

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CORPORATE

GROUP RISK STRATEGY

CURRENT POLICY PLAN

NOVEMBER 2019

SAVINGS POTENTIAL ANALYSIS

OUR SERVICES BETAPLUS SPECIALISE IN

CORPORATE GROUP RISK SOLUTIONS

DEATH/DISABILITY FUNERAL PLANS

GROUP RISK PRICING IS

COMMODITY & PRICE SENSITIVE, AND RELATIVE TO AN INSURER’S PROFIT.

BETAPLUS EXPLOITS THIS FOR THE BENEFIT OF THE EMPLOYER

INCOME DISABILITY ARE YOU ENTITLED TO

75% OF SALARY OR SCALE BENEFIT?

*LEGISLATION PASSED ON 1 MARCH 2017 WHEN DOES YOUR

INCOME DISABILITY EXPIRE? (AGE 60/65/70)

DO YOU QUALIFY FOR A

RETURN TO HEALTH BENEFIT = 3X SALARY

RETIREMENT FUND WAIVERED TO AGE 65.

BETAPLUS SINGLES OUT CHOICE, OPTIMUM

BULK PRICING PACKAGES FROM REPUTABLE INSURERS

BETAPLUS ENHANCES PEOPLE’S LIVES BY HELPING THEM TO RETIRE BETTER

ENHANCING PEOPLE’S LIVES BY HELPING THEM TO RETIRE BETTER

BETAPLUS POLICY PLAN BETAPLUS SAVINGS BENEFITS

FUNERAL POLICY

SAVINGS FROM YOUR GROUP RISK POLICY WILL BE REINVESTED IN ONE OF TWO WAYS -

RETIREMENT SAVINGS

DOES YOUR FUNERAL POLICY INCLUDE

EXTENDED FAMILY COVER? FOR JUST R22.50 YOU CAN UPGRADE YOUR FUNERAL POLICY TO

COVER IMMEDIATE FAMILY UP TO R30K FOR JUST R30.00, YOU CAN ADD EXTENDED

FAMILY MEMBERS

TO YOUR FUNERAL POLICY

INJECT THE MONEY INTO YOUR EXISTING RETIREMENT FUND AND

INCREASE THE LIFESPAN OF YOUR RETIREMENT SAVINGS OR ...

SATISFIED CLIENTS

HEALTHCARE SAVINGS UPGRADE

YOUR PRIMARY

HEALTHCARE PACKAGE

& IMPROVE BENEFITS • • • •

SAVINGS SUMMARY A BETAPLUS ANALYSIS OF YOUR CURRENT POLICY WILL PROVE THAT THE

BENEFITS YOU THINK YOU‘RE GETTING, FALL SHORT OF WHAT YOU ARE TRULY RECEIVING!

PRIMARY HEALTH CARE DAY TO DAY DENTISTRY OPTOMETRY EMERGENCY HOSPITAL PLAN

BETAPLUS INSURERS RISK CONSULTANT

R181.00*

BETAPLUS GROUP SOLUTIONS (PTY) LTD

HEALTH CONSULTANT BETAPLUS HEALTH SOLUTIONS (PTY) LTD

CAPITAL DISABILITY

BENEFIT CONSULTANT BETAPLUS GROUP SOLUTIONS (PTY) LTD

RETIREMENT FUNDS DISCOVERY UMBRELLA PROVIDENT

DOES YOU BENEFIT % REDUCE AFTER AGE 60? - 90% OF POLICIES

HEALTHCARE PROVIDER DISCOVERY HEALTH

GROUP RISK

DO!

DISCOVERY GROUP RISK

TEL: +27 21 201 1430 | UNIT 201 MASON’S PRESS | 7 RAVENSCRAIG ROAD | WOODSTOCK | CAPE TOWN | 7925 | BETA PLUS GROUP SOLUTIONS | REG NO. 2014/226811/07 | FSP NO 45655 | VAT NO. 41070269247

*

TERMS & CONDITIONS APPLY

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SIMPL!FY

DASHBOARD SEPTEMBER 2018

CURRENT

1 2 3 4 5

DASHBOARD SUMMARY

FEE BREAKDOWN LIBERTY

CALCULATIONS BASED ON

ADMIN FEES

FROM CONTRIBUTION

ANNUAL

PAYROLL MEMBERS ASSET VALUE

R 88 261.68

MONTHLY PER MEMBER

R 7 355.14 R 71.41

1.17

LIBERTY

ASSET BASED FEES FROM INVESTMENT VALUE

ANNUAL

R 217 556.34

OR PER MEMBER

0.79% R 176.02

% OF ASSET VALUE

BROKER

R 9 249.98 R 89.81

LIBERTY

INVESTMENT MANAGEMENT FEE VAT INCLUDED

ANNUAL

OR PER MEMBER

R 165 605.27

0.60% R 133.98

LIBERTY

RISK POLICY

PAID SEPERATELY OR FROM CONTRIBUTION

ANNUAL

MONTHLY PER MEMBER

CURRENT 74.12% WHERE MONEY LASTS FOR 10.57 YEARS AFTER 65

R 110 999.76

MONTHLY PER MEMBER

MONTHLY SAVING

R 30 000.00 ANNUAL SAVING

R 365 281.82

FUNDING RATIO

COMMISSION FEES

FROM YEARLY LUMP SUM CONTRIBUTION

ANNUAL

R 2 575 114.47 103 R27 616 458.11

R 527 805.60

R 43 938.80 R 427.03

PROPOSED 95.17% WHERE MONEY LASTS FOR 15.94 YEARS AFTER 65

LIBERTY

INVESTMENT RETURNS MARCH 2018 YTD 1.19% 1 YR 6.82%

2 YRS 5.46% 3 YRS 10.46%

LIBERTY

RISK POLICY BENEFITS GLA 0.885% FUNERAL CAP DIS 0.000% R 4.72 ICB 0.803% P/MEMBER

R 1 110 228.65

ABILITY TO RETIRE

CURRENT PROPOSAL 1 PROPOSAL 2 COSTS AS % OF ASSETS

CURRENT PROPOSAL 1 PROPOSAL 2

XX.XX% XX.XX% XX.XX% EXCLUDING GROUP RISK

XX.XX% XX.XX% XX.XX%

TOTAL COSTS

1ST PROPOSAL

2ND PROPOSAL

FEE BREAKDOWN

FEE BREAKDOWN

LIBERTY & BETAPLUS

SANLAM & BETAPLUS

FROM CONTRIBUTION

FROM CONTRIBUTION

ADMIN FEES ANNUAL

R 88 261.68

MONTHLY PER MEMBER

R 7 355.14 R 71.41

ADMIN FEES ANNUAL

R 88 261.68

MONTHLY PER MEMBER

R 7 355.14 R 71.41

LIBERTY & BETAPLUS

SANLAM & BETAPLUS

FROM INVESTMENT VALUE

FROM INVESTMENT VALUE

ASSET BASED FEES ANNUAL

OR PER MEMBER

R X XX XXX.XX 0.00% R XXX.XX

BROKER

COMMISSION FEES

0%

ASSET BASED FEES ANNUAL

OR PER MEMBER

R X XX XXX.XX 0.00% R XXX.XX

BROKER

COMMISSION FEES

0%

BETAPLUS FEES % OF ASSET VALUE 0.50% PER ANNUM R 80 000.00

BETAPLUS FEES % OF ASSET VALUE 0.50% PER ANNUM R 80 000.00

LIBERTY & BETAPLUS

SANLAM & BETAPLUS

VAT INCLUDED

VAT INCLUDED

INVESTMENT MANAGEMENT FEE ANNUAL

OR PER MEMBER

R X XX XXX.XX 0.00% R XXX.XX

INVESTMENT MANAGEMENT FEE ANNUAL

OR PER MEMBER

R X XX XXX.XX 0.00% R XXX.XX

LIBERTY & BETAPLUS

SANLAM & BETAPLUS

PAID SEPERATELY OR FROM CONTRIBUTION

PAID SEPERATELY OR FROM CONTRIBUTION

RISK POLICY ANNUAL

MONTHLY PER MEMBER

R X XX XXX.XX R XX XXX.XX R XXX.XX

R X XXX XXX.XX

RISK POLICY ANNUAL

MONTHLY PER MEMBER

R X XX XXX.XX R XX XXX.XX R XXX.XX

R X XXX XXX.XX

| BETA PLUS GROUP SOLUTIONS | TEL: +27 21 201 1430 | UNIT 201 MASON’S PRESS | 7 RAVENSCRAIG ROAD | WOODSTOCK | CAPE TOWN | 7925 | REG NO. 2014/226811/07 | FSP NO 45655 | VAT NO. 41070269247

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SIMPL!FY

INVESTMENT LIFECYCLE

RETIREMENT CAPITAL

MONITOR / AUGUST 2018

R 159 332 493.00 DISCOVERY

R 124 229 527.00 CURRENT

MEDIAN AGE

R 181 965 880.00 NEW - LIBERTY

30

CONTRIBUTIONS

R 174 838 329.00 SANLAM

30

35

40

45

50

55

R 6 907 374.50

60

6%

65

66

68

9% 70

72

12% 74

RETIREMENT AGE

CURRENT CAPITAL AS OF 31 OCT 2018

76

78

78 AVERAGE MORTALITY AGE

SALARY WITHDRAWALS

ABILITY TO RETIRE

NET CONTRIBUTIONS

YEARS TO NRA

INVESTMENT RETURN

BETAPLUS

61%

13.2%

27 YEARS

12%

RULE

75%

15%

27 YEARS

12%

REALITY

42%

11.1%

27 YEARS

6.8%

FINAL CAPITAL AT MORTALITY

R 6 907 374.50

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