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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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