This document provides information on different life stages and questions for customers to understand their financial needs. It discusses what to expect and questions to consider for various life stages, including working professionals, students, new parents, established families, single parents, retirees, empty nesters, married couples experiencing divorce, death of a spouse, or retrenchment. It emphasizes the importance of seeking financial advice tailored to one's specific needs and life stage.

1. WHAT TO EXPECT
You may want to explore what options you have in getting the most
out of your retirement savings, generally with the intention of making
them last as long as possible. At this point in your life, you might
want to consider downsizing – despite wanting to maintain your
standard of living.
Retirees are likely to have some knowledge and experience about
financial products and probably would have done research around
income products. Old Mutual can offer the right solutions and advice
to help you remain financially independent for years to come.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• Have you considered the conversion of your group benefits?
• Do you want to pro-actively plan for the financial costs of frail care?
• When last did you update your estate plan? Do you have sufficient
liquidity in your estate?
• Are you on track with your retirement income? Do you have sufficient
income to cover your monthly budget?
• Are you drawing down on capital every month?
• Will you be be relocating at retirement, and what are the
cost implications?
• Can you afford to continue paying your medical aid?
WHAT TO EXPECT
Single parents often experience some financial difficulty, especially if
you are going from a dual to a single income. You may need to
work very hard to make ends meet. This often means that you’re very
conscious of the importance of securing your finances with a well
structured financial plan.
Depending on your circumstances and previous relationship dynamics,
like many single parents, you may not have had much financial control
in the past and will likely be hungry for information and financial
independence.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• Have you amended your stipulation in your will and your beneficiary
nominations?
• If you battle to get by on your salary, imagine your dependants
trying to get by without it?
• Do you need help with your retirement annuity and managing the budget?
• Are you preparing/prepared for the financial costs of education?
• Have you got emergency investments in place for unexpected
opportunities?
WHAT TO EXPECT
As your expenses as a family grow, you may be looking for ways
to make your joint income go further and you’re likely to understand
the importance of protecting it. Reviewing your budget at this time is
particularly important.
Generally, established families have some financial product knowledge
and experience and tend to have a good idea of what they want and
need. A financial adviser can assist you by helping to create a proper
budget, with the aim of identifying opportunities to invest and save for
the future.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• If you become non-productive after a disabling event, would your
family be able to retain their standard of living?
• Would you need financial assistance in the event of retrenchment?
• Should any one of your family members pass away or become
disabled, are you financially prepared?
• Are you responsible for your parents?
• Have you had a look at your retirement annuity and are you still on
track to achieving your dreams or goals?
• Do you know what is available to you when your retirement annuity
matures?
• What will the impact be on your pension fund accumulation in the
event of being unable to work?
WHAT TO EXPECT
While you may feel that you are too young to start investing, the
opposite is in fact true. With time on your side, you have a valuable
financial asset at your disposal – compound growth. As you may not
have a stable income, why not consider a product that you can add to
or access whenever it suits you? Even a small investment can do great
things over time.
For most students (excluding of course those who studied it) the world of
personal finance is rather murky territory. Old Mutual understands this
and can offer sound guidance in building your financial future.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• Did you know that the earlier you start saving, the better your return
over time and the better your chances are of achieving all your dreams?
• Did you know you can start for as little as R250 a month?
• Have you started to put away money for a future goal or dream?
• If something unforeseen happens, who will cover your debt or
funeral costs?
• If you need to recover after an accident, how will you replace your
income from that part-time job or pay for studies?
• Are you and your parents financially prepared if you, for example,
become disabled after an accident?
WHAT TO EXPECT
Like most married couples, your life and financial circumstances are likely
to continuously change. You may be considering starting a family or
buying a new home to accommodate your new lifestyle.
While you or your spouse may have some experience and knowledge
of financial products, a financial adviser can help guide you through
your changing financial considerations – such as how to deal with
joining your incomes, as well as the financial implications of the
marriage agreement you entered into together.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• Will your spouse be financially secure (without your income) if
something were to happen to you?
• Should anything happen to your spouse, will you be covered?
• Have you looked at your retirement goals together?
• Have you considered your will and estate or do you need advice
on this?
• Do you have dreams of a bigger house or another vehicle?
• Are you planning an addition to the family and have you made
a plan financially?
• Have you considered the impact of prolonged hospitalisation or
an extended illness?
For more infomation, contact fromtoday@oldmutual.com
or visit www.fromtoday.com
WORKING PROFESSIONALSTUDENT
NEW PARENTS ESTABLISHED FAMILYSINGLE PARENT
RETIREDEMPTY NESTER
DETOUR DIVORCE
It’s important to have a financial adviser on your side at the divorce
settlement to advise on the outcome of policies that were taken out
during the marriage and regulations around pension funds.
DETOUR DEATH
It’s important to consult a financial adviser in winding up the estate of
a loved one. Their assistance in dealing with the last will could prove
to be invaluable in many circumstances.
DETOUR RETRENCHMENT
Retrenchment is something you never imagined would happen to
you. Income or policy protection can be a lifeline at this point, but it’s
important to speak to a financial adviser to help review your finances
during this difficult time.
WE’RE WITH YOU FROM TODAY.
Together we can find the right financial solution for your specific needs.
MARRIED
Take a look at the map on the back to help you
identify your most appropriate Life Stage.
As a proudly South African company, Old Mutual is
committed to investing in the future of our country through
education initiatives and sporting events, as well as arts
and culture. In addition, we are proud to be involved in
various social investment initiatives that contribute to the
rich cultural tapestry of our nation.
Through the following initiatives, Old Mutual customers
will be privy to an exciting world of lifestyle benefits:
• Old Mutual Music Concerts
• Old Mutual Two Oceans Marathon
• Old Mutual Foundation: Enterprise Development, Skills
Capacity Building, Education, Staff Volunteerism
• Old Mutual Trophy Wine Show
• SmartMAX Education Tools
• Old Mutual International Pairs
At Old Mutual, we believe that life is a journey. Through
every bend and bump in the road, we’ll be by your side,
finding the right solution at the right time. We’re with you,
from today.
Old Mutual is a Licensed Financial Services Provider.
OUR COMMUNITY
LIFESTAGEMAP
The key to finding the right
financial solution at the right time
DETOUR DEBT
Amidst tough economic times, debt is a slippery slope that many
people experience. The good news is that there is a way out.
Debt Solutions is just a phone call away… it’s the first step
to getting back on your feet financially.
Call 0860 666 607 or email solutions@oldmutual.com
“MY DREAM IS TO
SEE MY CHILDREN
QUALIFY AS
MUSICIANS.”
Magauta Mokoena
OLD MUTUAL CUSTOMER
LIFE STAGE: ESTABLISHED
FAMILY
WHAT TO EXPECT
While retirement may be the last thing on your mind, it’s very important to
start saving for it as early as possible. You can also use the time that you
have on your side to take advantage of compound growth and secure
your financial future.
While you may have some knowledge about financial services, it’s
important to seek financial advice, especially if you’re making serious
financial decisions which could affect your future.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• Did you know that one of your biggest assets is your income earning
ability? Protect it.
• If something unforeseen happens, who will cover your debt? (vehicle
finance, etc.)
• If you become disabled or suffer a severe illness, do you have sufficient
cover for any expenses that may be incurred during your recovery?
• Would you like financial assistance in the event of retrenchment?
• If you are involved in a motor vehicle accident – and need 3 months to
recover – will you still receive your income?
• If you’re earning a steady income, have you thought about making
provision for your retirement?
• Do you have an investment or savings for a ‘rainy day’ or that
special holiday?
• If you’re planning to buy a house, have you considered saving for
the deposit?
• Have you considered your will and estate or do you need advice
with this?
WHAT TO EXPECT
With the arrival of a baby and the expansion of your family, you are
likely to experience a dramatic shift in your priorities and financial needs.
As a new parent, it’s essential that you understand the importance of
insuring yourself with Life and Disability Cover as well as having a good
medical aid. You should also start saving for your child’s education as
soon as possible (hint: incorporate premium increases that keep pace
with the rising cost of education).
As the realities of being responsible for another life hit home, new
parents are likely to be hungry for information and advice on what to
do. Financial advisers can assist you with dealing with the true financial
implications of having a baby.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• Have you made additional provision to ensure your dependants will
maintain their standard of living if your income is jeopardised?
• Have you thought about the cost of education and giving your child
the best start in life?
• Do you want to ‘future-proof’ the payments of your child’s
education plan?
• Does your current will include the nomination of a guardian?
• Are you financially prepared if your child is born with special needs?
• Have you thought about the cost of a family holiday and would you
like to plan for it?
• Have you consided the cost of medical care?
• Do you have an emergency fund?
• Have you consided the impact of a reduced household income
during maternity leave?
WHAT TO EXPECT
At this stage you are going through a period of change and are probably
not only dealing with the challenge of your approaching retirement
but also your concerns about maintaining your lifestyle. If you find yourself
with an emptier home and a little extra cash, it’s the ideal time to consider
increasing your retirement annuity premiums to take advantage of
tax benefits or boosting your discretionary savings.
Most empty nesters are likely to have some degree of knowledge and
experience of financial solutions. Financial advisers can help you find
specific solutions to accommodate your needs, while helping to sustain
your income into later years.
QUESTIONS TO HELP CUSTOMERS UNDERSTAND THEIR NEEDS
• If anything should happen to your child, do you understand the
financial impact on you?
• Do you have any family history of cardiovascular disease or
hereditary illness?
• Have you found that there is a little more cash at the end of the month?
• Have you re-looked your retirement and do you know the options
available to you when your retirement annuity matures?
• Are you responsible for your parents?
• Are you confident that you fully understand the amount of capital
required to retire financially independent?

2. It’s either a time to discover what you love doing or
continue doing what you love. At this stage, you
may have few or no dependants and some extra
cash – enough to start that small investment or
relook your current investments. Whatever your
goals, today is the time to start.
As your life changes, so too do
your financial needs. It’s important to
review your plan often to
accommodate these changes.
DETOURS
ESTABLISHED FAMILY
The kids are growing up, and they never fail to remind you of
how fast life is passing. Finger-painting yesterday, long-division
today. It’s a time when you can dream together as a family –
looking forward to that holiday, getting a puppy or finding
that dream home. And with the right financial plan, there’s
no reason those dreams won’t come true.
WHERE ARE YOU ON THE LIFE STAGE MAP?
MARRIED
Around about now, you might be learning who
you really are and what you really want. This is a
time of late nights and long days. About love and
life, and about money. And with time on your side,
the lesson of compound growth could benefit you
for years to come.
THE STUDENTSTUDENT WORKING PROFESSIONAL
NEW PARENTS
Your priorities shift beyond expectation when you have
little ones. It’s a time of long days, and sometimes longer
nights. A time of laughter and joy, tears and tantrums. A
time when you should cherish each milestone and live in
the moment – but also think about tomorrow’s needs, like
starting that education policy sooner rather than later.
There are never enough hours in the day as a single
parent and you often dream of growing an extra set of
arms just to carry the load. It’s a time when you become
a professional juggler – school, work, play-dates,
meetings and finances – at least you know financial
advice is just a phone call away.
THE YOUNG
PROFESSIONALSINGLE PARENT
EMPTY NESTERRETIRED
It’s a time that’s met with relief and excitement for
some, a time of apprehension for others. A whole
new chapter in your life, retirement requires a big
shift – one that many South Africans are
insufficiently prepared for financially.
Me, Myself and I, becomes You, Us and We. This is a time to
forge a partnership with the person who brings out the best in
you. A time to enjoy the little things in life – because one day
you’ll look back and realise they really were the big things.
Like making a small decision to start an investment together –
you will be amazed at how big the results can be.
DETOUR DIVORCE
It’s a time filled with challenges you never imagined you’d have to deal with,
something you never thought would happen to you. It’s a time when your
emotions run high and morale can be low. Make sure that this doesn’t cloud
your rational mind, as the financial agreements you make now will likely be
for the long term.
DETOUR DEBT
It’s a time that many people go through, but few admit to. High interest rates,
low salary increase. High living expenses, low morale. The spiral continues,
down and down. It’s easy to get into debt, but difficult to get out – unless you
face the challenge head-on and get professional help sooner rather than later.
DETOUR RETRENCHMENT
It’s a time when it’s natural to feel a sense of rejection. You may even start
doubting yourself, and doubting your ability to find a new job. It’s a stressful
time, personally and financially, so make sure you speak to a financial adviser
on moving forward, taking your income limitations into account.
This is your time, to rediscover yourself, your partner,
your hobbies and what really makes you tick. It’s a
time to watch your kids spread their wings and make
you proud. You may be left with more time, more
money and less responsibilities – the perfect time to
shift focus and invest just for yourself, for a change!
DETOUR DEATH
It’s a time filled with sadness, loss and anguish. A time where you wish you
could pinch yourself and wake up from the nightmare. The death of a loved
one can tear a family apart. It’s a time where emotions can cloud your
decisions, so it’s important to involve a financial adviser when dealing with
the last will and testament.
As our lives change, so do our financial needs. By identifying your Life Stage, you can pinpoint the
solutions that will best suit your needs at this specific time of your life. Each Life Stage is matched
with a selection of products on the back of this Life Stage Map. But remember, it’s always best to
get advice from a financial adviser or broker before making any decisions.
WE’RE WITH YOU FROM TODAY
through every stage of your life