Marriott Brochure
Transcript of Marriott Brochure
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Soutions or RetirementReducing Financial Anxiety
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Soutions or Retirement
Capital Growth or Future Income
F u
t u r e I n c o m e
No tax implications
Reliable Income or Retirement
M o n t h l y I n c o m e
Retirement Savings Retirement Savings
OverviewSolutions or Retirement provide or both your current and uture income needs and can be used
throughout all lie stages. They are designed to provide:
• A reliable monthly income.• A reasonable expectation o income growth and thereore an expectation o uture monthly
income.
• A reasonable expectation o your capital value ater ten years.
An online investment tool is provided to guide you in the construction o a personalised portolio
o investments to meet your current and uture income needs. Visit www.marriott.co.za
The Income Preservation Fund
Unique Features•Preserves existing provident and pension und retirement savings.•Personalinvestmentchoiceoramanagedinvestmentportfolio.•Preservestaxbenetspreviouslygrantedonretirementfundcontributions.•Onceofftaxablewithdrawalpermittedpriortoretirement.•Capitallefttobeneciariesupondeath.
•Maximumannualmanagementfeeof1.75%.•Personalisedfeedeterminedbyportfoliochoice.
The Perpetua Annuity
Unique Features•An investment inked ie annuity that provides reiabe monthy income or ie.•Units(capital)arenotsoldtoprovidethemonthlyincome.
•Incometailoredtomeettheinvestorscurrentandfutureneeds(withinregulatorylimits).•Monthlyincomemayberevisedannuallyonanniversary.
•Capitallefttobeneciariesupondeath.•Maximumannualmanagementfeeof1.75%.
Transer at no costwhen a monthly income is required at
retirement(afterage55)
Cont...
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Soutions or Retirement
Capital Growth or Future Income
F u t ur eI n c o
m e
Will trigger a Capital Gains Tax event
M on t h l yI n c
om e
Reliable Income or Retirement
Personal Savings Persona Savings
Standard Features•Personalisedportfolioandreporting.
•Providingcapitalvaluegrowthfromincomegrowth.
•Providingcapitalaccumulationfromincomereinvested.• Reasonable expectation o uture monthly income ater ten years.
• Reasonable expectation o uture capital value.
•PortfolioconstructionutilisingMarriottUnitTrustFunds.
• A selection o local and international investments.
The Persona Portoio
Unique Features•Personaised portoio o investments that accumuates and grows capita vaue.•Personalinvestmentchoiceoramanagedinvestmentportfolio.•Accesstocapitalatanytime.•Maximumannualmanagementfeeof1.75%.
•Personalisedfeedeterminedbyportfoliochoice.
The Income Soution
Unique Features•A personaised portoio that provides a reiabe monthy income.•Units(capital)arenotsoldtoprovidethemonthlyincome.
•Incometailoredtomeettheinvestorscurrentandfutureneeds.•Monthlyincomemayberevisedatanytime.
•Accesstocapitalatanytime.•Maximumannualmanagementfeeof1.75%.
Transer at no costwhen a monthly income is required
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Considerations whenPersonaising your Portoio
High
HighIncome Growth
I n c
o m e Y i e l d
Low
Interest-bearing Rea Estate Equities SA Bonds
SAMoneyMarket
International Interest-bearing
SA Real Estate
International Real EstateSA Equities
International Equities
Recognise the trade-o between Income Yied and Income Growth
• Cash and bonds produce a high income yield and no income growth over time.
• Real estate produces a relatively high income yield with near to infation hedged income growth.
• Equities produce a low income yield, with greater than infation income growth over the longer-term.• Combining these investments will create the desired income yield, and a commensurate level o
income growth.
Investing is or Income – Now and Future
1.TheFirstconsiderationisyourmonthlyincomeneed:
• The portolio should provide this income, ideally without eroding capital.
• This is achieved by selecting investments that produce the desired income yield.
2. The Second consideration is to plan or uture Income:
• I income is not an immediate need, then the portolio choice is driven by a need to accumulateand grow capital.
• This is achieved by a combination o income reinvestment and income growth.
• Themixofinvestmentsshouldbeinuencedbyincometaxconsiderationsandtoleranceforrisk.
• Whereincomeistaxfree(retirementsavings),theportfoliomaybebiasedtowardhigherincomeyielding investments.
• Whereincomeistaxable(personalsavings),theportfoliomaybebiasedtowardhigherincomegrowth investments.
DEFINITIONS OF FINANCIAl TERMS
Income yied - The price paid or an income stream, that is the income divided by the price.
Compounding – Earning additional income rom income.
Risk Adjusted Return – A measure o how much volatility is involved in producing a unds return.
Cont...
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Considerations whenPersonaising your Portoio
Pick and Pay
Dividend Price
D i v i d e n d
P
r i c e
Income Growth wi Drive Capita Vaue Growth
1.Thevalueofacompanygrowsover time at the rate at whichitsprotgrows.
2. In the same way, the value o an investment grows over timeat the rate at which its incomegrows.
Don’t Pay Too Much or an Income Stream
Atech
Dividends Dividend Yield Average Dividend Yield
1.Havingselectedaninvestmentthat produces a reliable income,then choose an appropriatetime to buy it.
2. This is when the income yield isat an acceptable level, usuallyabove the long term average.
Income Reinvested wi Accumuate Capita
V a l u e
Capital Base Capital Accumulation from Reinvesting Income
1.Reinvestingincomewillincrease the capital base whichwill in turn produce moreincome.
2. The compounding eect willcontribute to income growth.
RSA 10 year government bond investment
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Marriott –The Income Speciaists
Marriott’s Income Focused Investment
Stye Requires
1. The selection o securities that produce reliable income streams,
ideally growing.
2. The purchase o these income streams at appropriate prices.
The benet o this stye is:• Reliable income to und a liestyle or to reinvest.
• An increase in investment value in line with income growth over
time.
• Above-averageriskadjustedreturns.
Marriott - The Income Speciaists aim to reduce nanciaanxiety o retired investors by oering Soutions or
Retirement, using an Income Focused Investment Stye
which produces reiabe and consistent monthy income.
Cont...
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Marriott –The Income Speciaists
Don’t Specuate with your lie Savings
• This relates to a short-term time horizon:
° Trading in unit trusts or shares.
° Lookingforthenextbest-performinginvestment.
° Buying at the bottom and selling at the top.
• This strategy appears good in theory, but invariably produces anxiety and mixed results inpractice.
• Speculatingisinvariablybasedonlittlefundamentalknowledgeoftheinvestmentitself.
Investing is or the long Term – Ten Years +• Monitoringthepricesofyourinvestmentseverydayisnotconstructive.
• A short-term time horizon can be very disruptive when trying to accumulate capital and growits value.
• Rather monitor the income that is being produced by those investments.
look at Income and Capita Separatey
• The income and capital value o an investment is aected by dierent actors in the short term.
• Ingeneral,morecanbeknownabouttheincomeproducedbyaninvestmentthanthereasonor short term capital volatility.
Dividend Price
D i v i d e n d
P r i c e
Tiger Brands 1.Thepriceatwhichinvestments trade onthe securities exchangein the short-term is
aected by actorsbeyond our control, suchas interest rates andinfation.
2. This short-term volatilityshould not causeconcern as long as theinvestment continuesproducing the income asexpected.
Recognise that Capita Vaues are Voatie in the Short Term
Reducing Financia Anxiety
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The Income SoutionFor Persona Savings
Reiabe Monthy Income: • Providesaconsistentandreliableincomefrompersonalsavings
• Enables you to meet your current income needs while eectively planningor uture income
• Facilitates long term income planning with a high degree o certainty
•Monthlyincomemayberevisedatanytime
Investment Choice: • AcombinationofMarriott'sthreeManagedFunds
• TheFundsareactivelymanagedandtheassetallocationisadjustedinlinewith changing undamentals, to provide reliable and consistent income withlong term capital growth
Capita Preservation andCapita Vaue Growth:
• Units(capital)arenotsoldtoprovidethemonthlyincome
• Matchingmonthlyincomedrawntomonthlyincomeearnedensuresthecapital base is not eroded
• While the value o the capital may fuctuate, the ability o the capital toproduce the income will be preserved
• Growth in income rom the underlying investments will grow the capitalvalue over time
• Capital may be grown, preserved or drawn down depending on theinvestors needs
Tax and Death: • The investment orms part o your estate
• Income tax is paid on income earned
• Withdrawls, switches and a change o investments will trigger a CapitalGainsTax(CGT)event
•Taxcerticatesentannually
Fexibiity: •Monthlyincomemayberevisedatanytime
• Ability to add or withdraw capital at any time
Transparent CostStructure:
•NoMarriottinitialfee
•Maximumannualproductfeeof1.75%(exclVAT)
• PleaserefertotechnicalinformationforFinancialAdvisorfees
Ecient Administration: • Consolidated quarterly reporting
•Uptodateinformationavailableonthewebsite
• Communication centre or personalised service
• Web based secure services or viewing o investment inormation
The Income Solution provides a consistent and reliable monthly income. You may choose one or a combinationofMarriott’sthreemanagedfundsto achieveadesired levelofincomeandanexpected levelofincomegrowth. This assists in long-term income planning.
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T h eI n c om e S o
l u t i on
Cont...
How To Use The Income Soution View the Investment Too at www.marriott.co.za to be guided through the oowing steps.
Step 1: Construct your persona investment portoio:
1 Enter your investment amount.
2 Select a mix o Investments that produce a desired level o monthly income earned.
3 Select the income reinvestment option. I maximum income has not been selected, you can reinvest anyexcess income. This will accumulate capital and increase uture income.
The Income Soution Investment Too wi then refect your:
4 Selected investment portolio.
5 Areasonableexpectationofyourfuturemonthlyincomeearnedafter10years.
6 Areasonableexpectationofyourcapitalvalueafter10years.
Pease note:
• There is a trade-o between income yield and income growth. The higher the income yield, the less yourincome grows.
• Investors should be mindul o the tax implications o higher yielding investments.
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How To Use The Income Soution
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Step 2: Seect the monthy Income to be drawn:
7 Matchthemonthlyincomedrawntothemonthlyincomeearned.
OR
8 Enter your required monthly income as a Rand amount, or an annual percentage o your capital.
9 Enter the percentage by which you anticipate increasing your annual income.
The Income Soution Investment Too wi now iustrate the impact o drawing this income on:
10 Your uture income.
11 Your uture capital.
Step 3: Produce a Detaied Summary Report
12 Accept the income and portolio choices and a detailed summary report will be produced.
ForfurtherassistancepleasecalltheMarriotttollfreenumberon0800336555.Marriottrecommendsconsultinganancialadvisorbeforemakinganyinvestmentdecisions.
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The Perpetua Annuity For Retirement Savings
Reiabe Monthy Income: • Provideaconsistentandreliableincomefromretirementsavings(Currentlegislationrestrictsyoutodrawingbetween2.5%-17.5%perannum)
• Enables you to meet your current income needs while eectively planningor uture income
• Facilitates long term income planning or the duration o retirement with ahigh degree o certainty
• Monthlyincomemayberevisedannuallyuponanniversary.
Investment Choice: •AcombinationofMarriott'sthreemanagedfunds• TheFundsareactivelymanagedandtheassetallocationisadjustedinline
with changing undamentals, to provide reliable and consistent income withlong term capital growth
Capita Preservation andCapita Vaue Growth:
• Units(capital)arenotsoldtoprovidethemonthlyannuity
• Matchmonthlyincomedrawntomonthlyincomeearned.Thisensuresthecapital base is not eroded
• While the value o the capital may fuctuate, the ability o the capital toproduce the income will be preserved
• Growth in income rom the underlying investments will grow the capitalvalue over time
• Capital may be grown, preserved or drawn down depending on theinvestors needs
Tax and Death: •Theabilitytonominatebeneciaries
• Tax will be deducted rom the annuity payments in accordance withprevailing income tax legislation
•Taxcerticatesentannually
Fexibiity: • Asset allocation may be revised at any time
• Monthlyincomemayberevisedannuallyuponanniversary
Transparent CostStructure:
•NoMarriottinitialfee
•Maximumannualproductfeeof1.75%(exclVAT)
• PleaserefertotechnicalinformationforFinancialAdvisorfees
Ecient Administration: • Consolidated quarterly reporting
•Uptodateinformationavailableonthewebsite
• Communication centre or personalised service
• Web based secure services or viewing o investment inormation
T h eP er p e t u al Ann ui t y
ThePerpetualAnnuityprovidesaconsistentandreliablemonthlyincome.YoumaychooseoneoracombinationofMarriott’sthreemanagedfundstoachieveadesiredlevelofincomeandexpectedlevelofincomegrowth.This assists in long-term income planning in retirement.
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How To Use The Perpetua Annuity View the Investment Too at www.marriott.co.za to be guided through the oowing steps.
Step 1: Construct your persona investment portoio:
1 Enter your investment amount.
2 Select a mix o Investments that produce a desired level o monthly income earned.
3 Select the income reinvestment option. I maximum income has not been selected, you can reinvest anyexcess income. This will accumulate capital and increase uture income.
The Perpetua Annuity Investment Too wi then refect your:
4 Selected investment portolio.
5 Areasonableexpectationofyourfuturemonthlyincomeearnedafter10years.
6 Areasonableexpectationofyourcapitalvalueafter10years.
Pease note:
• There is a trade-o between income yield and income growth. The higher the income yield, the less yourincome grows.
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Step 2: Seect the monthy Income to be drawn:
7 Matchthemonthlyincomedrawntothemonthlyincomeearned.
OR
8 Enter your required monthly income as a Rand amount, or an annual percentage o your capital.
9 Enter the percentage by which you anticipate increasing your annual income.
10 Enter your tax rate.
The Perpetua Annuity Investment Too wi now iustrate the impact o drawing this income on:
11 Your uture income.
12 Your uture capital.
Pease note:
•Currentlegislationrestrictsyoutodrawingbetween2.5%-17.5%perannum.
•Tax will be deducted rom your annuity payment.
Step 3: Produce a Detaied Summary Report
13 Accept the income and portolio choices and a detailed summary report will be produced.
For furtherassistanceplease calltheMarriott tollfree number on0800 336 555. Marriott recommends
consultinganancialadvisorbeforemakinganyinvestmentdecisions.
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The Income Preservation FundPreserve Retirement Savings
PreservingRetirement Savings:
• PreserveRetirementsavingswhenyouchangeyouremployment
• ChoiceofaPreservationProvidentorPreservationPensiondependingonsourceofunds
Investment Choice: • YourinvestmentchoiceneedstocomplywithPrudentialInvestmentGuidelines(Regulation28).YoumayconstructapersonalisedinvestmentportfoliousingacombinationofMarriottunittrustsoryoumayselectthemanagedinvestmentportolio. The Investment Tool will assist you in constructing a portolio that iscompliant
Capita Accumuation
and Capita VaueGrowth:
• Reinvestment o the reliable income earned by your selected investment portolio
will be reinvested tax ree resulting in capital accumulation. Growth in this incomewill result in capital value growth
Tax: • ThetransferfromyourPensionorProvidentfundtothePreservationFundistaxree
• The tax deductions previously granted on contributions are preserved
• No Income Tax on income earned and reinvested
• No Capital Gains Tax when restructuring your portolio
•Allwithdrawalsaresubjecttotax
Death: • Theabilitytonominatebeneciaries
• Beneciariescanelecttoreceivealumpsum(netoftax)ortransfertheinvestmentto an annuity
Fexibiity: • Yourportfoliomayberevisedatanytimeasinvestmentobjectivesandcircumstances change
Withdrawa: • Priortoretirement,onewithdrawal,whichwillbetaxedatyouraveragerateispermitted
• Retirement(aftertheageof55)
° PensionPreservationFund:maximum¹/³ o members value may be drawn in cash° ProvidentPreservationFund:Thememberstotalvaluemaybedrawnincash
Transparent CostStructure:
•NoMarriottinitialfee
• Maximumannualproductfeeof1.75%(exclVAT)
• Personalisedfeedeterminedbyportfoliochoice
• PleaserefertotechnicalinformationforFinancialAdvisorfees
EcientAdministration:
• Consolidated quarterly reporting
• Uptodateinformationavailableonthewebsite
• Communication centre or personalised service
• Web based secure services or viewing o investment inormation
TheIncomePreservationFundhasitssourceinprovidentandpensionfundretirementsavings.Yourinvestmentchoice will produce a consistent and reliable monthly income which is automatically reinvested tax ree until it isneeded at retirement. This product assists in long-term income planning or retirement.
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The Persona PortoioFor Persona Savings
Investment Choice: • You may construct a personalised investment portolio using a combination o Marriottunittrustsoryoumayselectthemanagedinvestmentportfolio.TheInvestment Tool will assist you in constructing your portolio o choice
Capita Accumuationand Capita VaueGrowth:
• Providingcapitalvaluegrowthfromincomegrowth
• Providingcapitalaccumulationfromincomereinvested
• Providingareasonableexpectationoffuturemonthlyincome
• Providingareasonableexpectationoffuturecapitalvalue
Tax and Death: • Investment orms part o your estate
• Income tax paid on income earned
• CapitalGainsTax(CGT)paidoncapitalgains
•Taxcerticatesentannually
Fexibiity: • Yourportfoliomayberevisedatanytimeasinvestmentobjectivesandcircumstances change
• Ability to switch between unds at no cost
• Ability to top up or withdraw rom investment at any time
Transparent CostStructure:
•NoMarriottinitialfee
•Maximumannualproductfeeof1.75%(exclVAT)
•Personalisedfeedeterminedbyportfoliochoice
• PleaserefertotechnicalinformationforFinancialAdvisorfees
Ecient Administration: • Consolidated quarterly reporting
•Uptodateinformationavailableonthewebsite
• Communication centre or personalised service
• Web based secure services or viewing o investment inormation
ThePersonalPortfolioisdesignedtoaccumulatecapitalandgrowthevalueofyourcapital.Thisproductassistsin long-term income planning or retirement. Your Investment choice will produce a consistent and reliable
monthly income which is automatically reinvested until it is needed.
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T h eP er s on al P or t f ol i o
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How To Use The Persona Portoio View the Investment Too at www.marriott.co.za to be guided through the oowing steps.
Step 1: Construct your persona investment portoio or seect the Managed Portoio option:
1 Enter your investment amount.
2 Construct your own portolio by selecting a mix o Investments that produce a desired level o monthly
income earned OR
3 Select the managed portolio option.
The Persona Portoio Investment Too wi then refect your:
4 Selected investment portolio.
5 Areasonableexpectationofyourfuturemonthlyincomeearnedafter10years.
6 Areasonableexpectationofyourcapitalvalueafter10years.
Pease note:
• There is a trade-o between income yield and income growth. The higher the income yield, the less yourincome grows.
Step 2: Produce a Detaied Summary Report
7 Accept the income and portolio choices and a detailed summary report will be produced. For urtherassistancepleasecalltheMarriotttollfreenumberon0800336555.Marriottrecommendsconsultinganancialadvisorbeforemakinganyinvestmentdecisions.
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Saeguarding o AssetsThe Income SoutionTheIncomeSolution isa product administered byMarriott Asset Management(Pty) Ltd,anAsset Manager
registered with and regulated by the Financial Services Board in terms o the Financial Advisory and IntermediaryServicesActNo.37of2002.
The underlying investments in The Income Solution are three unit trust portolios. These portolios are registered interms o the Collective Investment Schemes Control Act, regulated by the Financial Services Board and managedbyMarriottUnitTrustManagementCompanyLtd,itselfaregisteredcollectiveinvestmentsschememanagementcompany. These portolios are controlled by a Trustee and the underlying investments o the portolios are heldinanomineecompany.TheTrusteeoftheMarriottUnitTrustSchemeisFirstRandBankLtd.
Clients’ funds are protected by statutory regulations as well as safeguards implemented by Marriott AssetManagement(Pty)Ltd. Client investmentsin TheIncome Solution are held inthe client’sownname.Clients'investmentsdonotformpartoftheassetsofeitherMarriottAssetManagementorMarriottUnitTrustCompanyLimited.
The Perpetua AnnuityThePerpetualAnnuityisunderwrittenbyBoELifeLimited,acompanyregisteredintermsoftheLongTermInsuranceAct,No.52of1998andisawhollyownedsubsidiaryofNedcorLtd.Capitalinvestedbyaclientremains on the balance sheet o this company against which a policy is issued. The value o the policy is alwaysbased on the value o the underlying investments.
TheseunderlyinginvestmentsaremanagedbyMarriottAssetManagement(Pty)Ltd,aLicencedFinancialServicesProviderintermsoftheFinancialAdvisoryandIntermediaryServicesActNo.37of2002.
TheunderlyinginvestmentsarekeptincustodyofFirstNationalNominees(Pty)Ltd,adivisionofFirstRandBankLimited.
The Income Preservation FundTheMarriottPreservationPensionFundandMarriottPreservationProvidentFund(“theFund”)areregisteredwiththeFinancialServicesBoardintermsofPensionFundsActandapprovedbytheCommissionerforInlandRevenue(SARS).TheFundismanagedbyaBoardofTrusteesthatlooksaftertheinterestsofthemembersoftheFund.TheFundisaseparatelegalentitytotheAdministrator,RMBTCashManagement(Pty)Ltd,anFSBapprovedretirementfundadministratorandtheassetmanager,MarriottAssetManagement(Pty)Ltd,alicensedFinancialServicesProvider.OwnershipoftheunderlyingassetsvestintheFundandnotthemembers.Thevalueofyourinvestmentaccountdependsonthemarketvalueoftheunderlyinginvestments.
The Persona PortoioThePersonalPortfolioisaproductadministeredby MarriottAssetManagement(Pty)Ltd,an AssetManagerregistered with and regulated by the Financial Services Board in terms o the Financial Advisory and IntermediaryServicesActNo.37of2002.
TheunderlyinginvestmentsinThePersonalPortfolioareunittrustportfolios.Theseportfoliosareregisteredinterms o the Collective Investment Schemes Control Act, regulated by the Financial Services Board and managedbyMarriottUnitTrustManagementCompanyLtd,itselfaregisteredcollectiveinvestmentsschememanagementcompany. These portolios are controlled by a Trustee and the underlying investments o the portolios are heldinanomineecompany.TheTrusteeoftheMarriottUnitTrustSchemeisFirstRandBankLtd.
Clients’ funds are protected by statutory regulations as well as safeguards implemented by Marriott Asset
Management(Pty)Ltd.ClientinvestmentsinThePersonalPortfolioareheldintheclient’sownname.Clients'investmentsdonotformpartoftheassetsofeitherMarriottAssetManagementorMarriottUnitTrustCompanyLimited.
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It is suggested that an investment into any Marriott unds be made through an
Accredited Financia Advisor who is abe to structure your portoio according to your
specic nancia needs
The Income Preservation Fund The Persona Portoio
Initia Soution Fee 0%
Annua Soution FeeMaximum1.75%
Personalisedfeedeterminedbyportfoliochoice
Initia Advisor Fee Maximum3%
Annua Advisor Fee0%,0.25%or0.5%
(PaidfromDistributions)
Intermediary Admin Fee0.25%
(PaidfromAnnualManagementFee)
Minimum lump Sum R50,000
Minimum Additiona
Investment n/a R10,000
Minimum Debit Order n/a
Distribution Decared Monthlyorquarterly
Date Payabe Noincomepaid.Distributionreinvested
Quarter End Statements February,May,AugustandNovember
The Perpetua Annuity The Income Soution
Initia Soution Fee 0%
Annua Soution FeeMaximum1.75%
Pleaseviewupdatedunderlyingfundtotalexpenseratio’sontheMarriottwebsite.
Initia Advisor Fee Maximum1.5% Maximum3%
Annua Advisor Fee0%,0.25%or0.5%
(PaidfromRepurchaseofUnits)0%,0.25%or0.5%
(PaidfromDistributions)
Intermediary Admin Fee0.5%
(PaidfromAnnualManagementFee)0.25%
(PaidfromAnnualManagementFee)
Minimum lump Sum R50,000 R100,000
Minimum Additiona
Investment R20,000 R10,000
Minimum Debit Order n/a
Distribution Decared Monthly
Date Payabe 1to2workingdaysafterdeclaration
Quarter End Statements February,May,AugustandNovember
Pease notethatfeesquotedaresubjecttoVAT.
Technica Inormation
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Marriott House
2 Delamore Road Hillcrest 3610
PO Box 2099 Hillcrest 3650 South Africa
Communication Centre 0800 336 555
Tel +27 (0)31 765 0700 Fax +27 (0)31 765 0790
Collective Investment Schemes in Securities are medium- to long-term investments. The value o your investment may godown as well as up and past perormance is not necessarily a guide to uture perormance. Collective Investments are tradedat ruling prices and can engage in borrowing and scrip lending. Collective Investment prices are calculated on a net assetvalue basis. Net asset value is the net value o all assets in the portolio, including any income accrual and less any permissibledeductions rom the portolio. Where initial ees are applicable, these ees are deducted rom the investment considerationand the balance invested in the units at the net asset value. A schedule o ees and charges and maximum commissions isavailablefromMarriott.Commissionandincentivesmaybepaidfromtheinitialfee.Forwardpricingisused.MarriottUnitTrustManagementCompanyisamemberoftheOldMutualInvestmentGroup.