2. Providing for your family and working hard to look after the country’s needs may be your
biggest priorities right now. That, and making sure that you can build a better future for
yourself, and as a parent, make the best choices for your loved ones.
The financial decisions you make today will make all the difference to your child’s future – which school they’ll
attend, what sports they’ll play and what extra-mural activities they’ll enjoy. Luckily, these financial decisions
don’t have to be difficult, and you don’t have to make them on your own.
At Old Mutual, we give our customers Advice That Matters. It’s advice that truly understands you and delivers
a tailor-made financial plan to connect you to your dreams. A plan that will protect what you value most, help
you save and invest for your goals and ensure that you leave a legacy that will be remembered.
How much and how regularly
you’re able to save
How soon and how
often you’ll need to
access your investment
(for school fees, text
books etc.)
Whether you’d like to
invest in underlying funds
that offer guarantees
WHEN DECIDING ON THE MOST SUITABLE PLAN,
REMEMBER TO CONSIDER:
Whether you’d like to make regular
payments or make lump sum payments
JAN FEB MAR APR
How long
you need to
save for
3. 2. OLD MUTUAL INVEST
FLEXIBLE PLAN
The Old Mutual Invest Flexible Plan offers you
payment flexibility by giving you the option to either
make regular payments, lump sum payments, or a
combination of both. You are also able to access your
money as and when it is needed - with no penalties.
1. OLD MUTUAL INVEST
TAX FREE PLAN
The Tax Free Plan provides tax-free growth and puts you
in control of your savings by giving you the peace of
mind that you can access your money at any time. Being
able to save tax-free means all your growth goes
towards saving for your child’s goals and dreams.
If you’d like to invest more than the yearly tax-free allowance
determined by Government, you can invest the excess in the
Old Mutual Invest Flexible Plan.
WHO THIS SOLUTION
IS SUITABLE FOR
THE TAX FREE PLAN IS SUITABLE FOR YOU
IF YOU’D LIKE TO:
• Get tax-free growth on your investment
• Access your money when needed
for fees, textbooks, etc
• Make a minimum regular payment of
R350 per month or make minimum
initial lump sum payment of R5 000
• Change or stop your payments if
necessary – with no penalties
• Use your tax-free allowance to complement
any existing education savings
you have for your child
WHO THIS SOLUTION
IS SUITABLE FOR
THE FLEXIBLE PLAN IS SUITABLE FOR
YOU IF YOU’D LIKE TO:
• Make a minimum regular payment of
R350 per month or make a minimum
initial lump sum payment of R5 000
• Change or stop your payments if
necessary – with no penalties
• Access your money when needed
for fees, textbooks, etcs
WHAT ARE YOUR OPTIONS?
OLD MUTUAL INVEST
The Old Mutual Invest range currently comprises of either a Tax Free or Flexible Plan. These solutions
offer you flexible payment options and the ability to increase, decrease, stop or restart your investment
as your circumstances require you to.
Every parent dreams of what their children will become one day – a
doctor, an engineer, a lawyer. The potential of each and every child
should never be underestimated, and neither should the importance of
choosing the best investment solution for his or her future education.
4. The SmartMAX range from Max Investments is the smart way to save for your child’s education needs
– whether it’s school or tertiary education. The range consists of simple saving solutions which offer
payment flexibility to meet your unique needs. SmartMAX Education Plans ensure that your savings
keep up with education inflation so you can give your kids a head start in life.
OLD MUTUAL MAX INVESTMENTS
SMARTMAX EDUCATION PLANS
2. SMARTMAX FLEXIBLE PLAN
The SmartMAX Flexible Plan allows you to set up
regular investments or make lump sum investments. It offers
you payment flexibility - with no specified investment term,
and the ability to access your money when you need to.
WHO THIS SOLUTION
IS SUITABLE FOR
THE SMARTMAX FLEXIBLE PLAN IS
SUITABLE FOR YOU IF YOU’D LIKE TO:
• Choose how to pay with the flexibility
of lump sum or regular investments
• Make a minimum regular investment of
R500 per month or a minimum lump sum of
R10 000 (this reduces to R500 if you have
any other existing Max Investments Plan)
• Access your money whenever necessary
1. SMARTMAX FOCUSSED
PLAN
The SmartMAX Focussed Plan is ideal if you
would like to make regular investments for a specified
period of time. With the SmartMAX Focussed Plan, you
choose how much and how long you’d like to invest.
WHO THIS SOLUTION IS SUITABLE
FOR
THE SMARTMAX FOCUSSED PLAN IS
SUITABLE FOR YOU IF YOU’D LIKE TO:
• Invest from as little as R250 per month
• Commit to investing for a specific period of time
• Have your charges reduced halfway
through the premium-paying term.
Lower charges means more growth.
• Choose to protect your child’s dreams and
goals by adding premium protection – this
means we’ll pay your premiums if you
die or become permanently disabled
5. WHO THIS SOLUTION
IS SUITABLE FOR
THE SMARTMAX FLEXIBLE PLAN (XTRA)
IS SUITABLE FOR YOU IF YOU’D LIKE TO:
• Invest a minimum lump sum of R50 000
• Get 5% extra added upfront
to your initial investment
• Invest for at least 5 years
OLD MUTUAL INVEST PLANS OLD MUTUAL MAX INVESTMENTS SMARTMAX PLANS
FEATURE
OLD MUTUAL
INVEST TAX FREE
PLAN
OLD MUTUAL
INVEST FLEXIBLE
PLAN
SMARTMAX
FOCUSSED PLAN
SMARTMAX
FLEXIBLE PLAN
SMARTMAX
FLEXIBLE PLAN
(XTRA)
MINIMUM
INVESTMENT
R350 per month or
R5 000 lump sum
R350 per month or
R5 000 lump sum
R250 per month R500 per month or
R10 000 lump sum
R50 000 (or R25 000
if you have an
existing XtraMAX Plan)
TAX-FREE
GROWTH
✔ ✗ ✗ ✗ ✗
FLEXIBLE
PAYMENT
OPTIONS
(CHOOSE TO PAY
REGULARLY OR
MAKE LUMP SUM
INVESTMENTS)
✔ ✔ ✗ ✔ ✗
MINIMUM
INVESTMENT
PERIOD
None None 10 years* None 5 years
ACCESS YOUR
MONEY AT ANY
TIME
✔ ✔ ✔
(subject to certain
rules)
✔
(subject to certain
rules)
✔
(subject to certain
rules)
* Can be reduced to a minimum term of five years if the minimum investment is increased to at least R2 000 per month.
3. SMARTMAX FLEXIBLE PLAN
(XTRA)
The SmartMAX Flexible Plan (Xtra) is a single-
premium investment that adds 5% extra upfront to your
minimum investment of R50 000. This means you receive
growth on this additional amount from day one.
Visit www.smartmax.co.za for information to help you
prepare for your child’s future. You’ll also find loads of free
downloadable tools – from party planners to weekly
schedulers and school lists.
6. To get the right advice at the right time, speak to your Adviser,
call us on 0860 60 60 60, email advice@oldmutual.com or
visit www.oldmutual.co.za
Old Mutual is a Licensed Financial Services Provider
ombds05/2016L9125.1
Protect yourself with GREENLIGHT disability cover
You can choose to get a monthly income to help replace any lost income if
you can’t work, whether it’s for a couple of days or longer or you can get a
lump sum for upfront costs such as making adjustments to your home or vehicle
or repaying debt.
Protect your child’s education with GREENLIGHT life cover
Nobody likes to think about not being around to see their children grow
up, but have you thought about how you can make sure that your child gets
the education they deserve if you die? Protect your child’s education with
GREENLIGHT life cover which pays a lump sum that can be reinvested to pay
for your child’s monthly education costs or university fees.
Consider a GREENLIGHT Final Expenses Benefit
With the GREENLIGHT Final Expenses Benefit, you can protect your family’s
financial wellbeing when you’re no longer around by helping to pay for
funeral costs and immediate expenses while bank accounts are frozen.
PROTECT YOUR CHILD’S EDUCATION,
EVEN WHEN LIFE HAPPENS
Your income is the cornerstone of your family’s day-to-day life. It’s used to pay for everyday expenses
such as food, clothing, bond repayments and most importantly, your child’s education fees. But what if
you become injured or ill and can’t work? Will you still be able to afford to send your child to school
or university?
