Don’t miss out on the opportunity to offer your client this great product; offering a more certain investment outcome, 100% capital protection, offshore exposure and no exchange rate risk.

Investment details:

    • 50% of capital invested at a fixed 14.50% per annum for 3 years, paying a 43.50% (before tax)total fixed return (after tax return 30.45%)
    • 50% invested Commerzbank Global Equity Risk Premium 15% Risk Control Excess Return Index for 5 years (fact sheet attached)
    • ZAR (no currency risk - currency movements hedged out)
    • Minimum investment: R100 000
    • 100% capital protected when held to maturity

Three year term:

  • 50% of capital earns a fixed return of 51% before tax which is paid out after 3 years.

Tax:

  • Lehumo Investments does not offer tax advice and tax advice must be sought by the investor. The below is based on our understanding and tax rates may change.
  • 30% of this fixed income leg taxed within the wrapper.
  • This is an additive fixed interest rate of 11.9% per annum or 35.7% for the full 3 years.

Five year term:

  • 50% of capital exposed to an Index of 4 Multi Asset Global Income Funds.
  • Full capital protection so client receives 50% back at maturity plus a minimum of 1 times positive returns 

Tax:

  • Lehumo Investments does not offer tax advice and tax advice must be sought by the investor. The below is based on our understanding and tax rates may change.
  • 12% of capital gains taxed within the endowment wrapper.

Dates:

  • Applications in by:              15 August 2017
  • Trade Date:                        22 August 2017