For more information on COVID-19, visit sacoronavirus.co.zaRead more

Clientèle Income Plan

Clientèle Life Investments, a division of Clientèle Life Assurance Company Limited, services the needs of niche investors, offering 100% Guarantees on Income and Growth Plans where the returns are tax free. Our platform includes a Guaranteed Income Plan and Guaranteed Growth Plan. The minimum investment amount on the Growth plan is R10,000 and the minimum amount on the income plan is R30,000. The policyholder receives a tax-free return in terms of the current legislation. The policyholder fund, administered by Clientèle Life, is liable for all taxes, including capital gains tax (CGT).

The Guaranteed Income Plan is a two-fold investment product where the initial capital is returned to the policyholder after five years and a guaranteed monthly/annual income is provided.

  • Minimum investment R30,000.
  • Investment term: 5 years.
  • Tax-free return.
  • Excellent flexibility options.

Tax Implications

The policy holder receives a tax-free return in terms of the current legislation at the end of the term. Only the non-capital portion of the monthly/annual annuity is taxable, resulting in the effective tax rate that being substantially lower than other investments where the entire income is taxed.

Underlying Financial Institutions

Clientèle Life underwrites the policy. Clientèle Life guarantees the original investment value and the yield thereon. The funds are invested in financial instruments with an A+ or better credit rating, e.g. First Rand, Nedbank, Standard Bank, Investec or ABSA.

Downloads
Clientèle Combined Product Brochure Download
Clientèle Growth Plan

Clientèle Life Investments, a division of Clientèle Life Assurance Company Limited, services the needs of niche investors, offering 100% Guarantees on Income and Growth Plans where the returns are tax free. Our platform includes a Guaranteed Income Plan and Guaranteed Growth Plan. The minimum investment amount on the Growth plan is R10,000 and the minimum amount on the income plan is R30,000. The policyholder receives a tax-free return in terms of the current legislation. The policyholder fund, administered by Clientèle Life, is liable for all taxes, including capital gains tax (CGT).

The Guaranteed Growth Plan is an endowment product where the original investment amount, plus the yield at the guaranteed rate for the investment period, is payable to the policyholder at the end of a five-year term.

  • Minimum investment R10,000.
  • Investment term: 5 years.
  • Tax-free return.
  • Excellent flexibility options.

Tax Implications

The policy holder receives a tax-free return in terms of current legislation. The policyholder fund, administered by Clientele Life, is liable for all taxes, including capital gains tax (CGT).

Underlying Financial Institutions

Clientèle Life underwrites the policy. Clientèle Life guarantees the original investment value and the yield thereon. The funds are invested in financial instruments with an A+ or better credit rating, e.g. First Rand, Nedbank, Standard Bank, Investec or ABSA.

Downloads
Clientèle Combined Product Brochure Download
Clientèle Compare Products
  Guaranteed Growth Plan Guaranteed Income Plan
Minimum investment R10,000 R30,000
Investment term 5 years 5 years
Tax-free return Yes Yes
Excellent flexibility options Yes Yes
Tax implications The policy holder receives a tax-free return in terms of current legislation. The policyholder fund, administered by Clientèle Life, is liable for all taxes, including capital gains tax (CGT). The policy holder receives a tax-free return in terms of the current legislation at the end of the term. Only the non-capital portion of the monthly/annual annuity is taxable, resulting in the effective tax rate that being substantially lower than other investments where the entire income is taxed.
Underlying Financial Institutions Clientèle Life underwrites the policy.  Clientèle Life guarantees the original investment value and the yield thereon. The funds are invested in financial instruments with an A+ or better credit rating e.g. First Rand, Nedbank, Standard Bank, Investec or ABSA.

Should you wish to obtain a broker agreement with Clientèle Life Investments, kindly complete the documentation below and return to: investments@clientele.co.za

Contact Investments

Physical Address
Clientèle Office Park
Cnr. Rivonia & Alon Road
Morningside
Johannesburg

Postal Address
PO Box 1316
Rivonia
2128

Telephone Numbers
Tel: 011 320 3000
Email: investments@clientele.co.za

Weekly Rates

Rates for the week ending Saturday, 01 May 2021:

Guaranteed Growth Plan:
Above R100,000 - 5.15%;
Above R500,000 - 5.25%;
Above R1,000,000 - 5.35%.

Guaranteed Income Plan:
Above R100,000 - 4.80%;
Above R500,000 - 4.90%;
Above R1,000,000 - 5.00%.

*Above rates are based on 3% commission and rates displayed are "After Tax". We also offer higher rates for investments above R2 million.

Investment Solutions FAQ's

The Guaranteed Income Plan and the Guaranteed Growth plan is on offer with a minimum investment amount of R 30 000 and R 10 000 respectively. The investment term is 5 years.
The Guaranteed Growth Plan: Individuals or Trusts. The Guaranteed Income Plan: Individuals or Special Trusts.
  • The policyholder receives a tax-free return in terms of current legislation;
  • Partial and full surrender options are available after 12 months should the need arise to access any funds;
  • Excellent death benefits where the beneficiary has the option to either continue with the policy or submit a death claim;
  • The investment rate is guaranteed for the 5 year term.
Clientèle Life underwrites these policies and the funds are invested in financial instruments with an A+ or better credit rating, e.g. ABSA, RMB, Standard Bank, Nedbank, etc.
Call Me Back
  • CALL ME BACK

    Complete the form below and one of our friendly consultants will call you back for a quote.

Claims