Invest with Nedgroup Investments

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1 Invest with Nedgroup Investments At Nedgroup Investments we offer access to a range of South African and offshore unit trust portfolios to meet a full spectrum of investment and lifestyle and savings needs. As a Nedbank Financial Planner you can now invest in an extended range of Nedgroup Investments products. Range We offer a collection of unit trust portfolios across the full spectrum of risk profiles that can be used in Nedgroup Investment products. These include our Retirement Annuity, Pension Preservation Fund, Provident Preservation Fund, Endowment, Living Annuity and Tax-free Investments. Experience The Nedgroup Investments portfolios are managed by our Best of Breed investment managers that we actively monitor and review, so that you don t have to. Our fund managers are selected and assessed by means of an intensive, on-going and rigorous process so that we are able to cut through all the noise and identify the top fund managers locally and abroad. And it works. Our Best of Breed investments approach has successful long-term track record managing money for our investors. Raging Bull Overall House award Top 3: 2014, 2013, 2012, 2011, 2010, 2009, 2005 Morningstar Overall Large House award Top 3: 2012, 2011, 2010, 2009, 2008, 2002 No. 1 rated investment manager South African unit trusts and FSB-approved offshore funds Security and stability Being part of Nedbank s large financially strong and stable banking group offers our investors security and reassurance that their money is in safe hands. We have established presence in South Africa and the UK and provide a full suite of offshore and local investment management services to local and international investors.

2 Nedgroup Investments products and features Nedgroup Investments Retirement Annuity Disciplined, long-term saving for retirement; No tax on interest, dividends or capital gains while invested; Flexible payment methods; Tax benefits on lump sum and contributions reduce taxable income up to certain limits; and Protection from creditors Nedgroup Investments Pension Preservation Fund and Nedgroup Investments Provident Preservation Fund Disciplined, long-term saving for retirement; No tax on interest, dividends or capital gains while invested; Tax benefits on lump sum and contributions reduce taxable income; One withdrawal allowed before retirement; and Protection from creditors. Nedgroup Investments Endowment Life insurance contract with a minimum restriction period of 5 years; One withdrawal allowed during the restriction period; Flexible payment methods (minimums apply); and Additional investments permitted. Nedgroup Investments Living Annuity Compulsory portion of retirement fund used to purchase income; Flexibility to select annuity income amount (subject to regulatory limits); and Death benefit paid to nominated beneficiaries. Nedgroup Investments Unit Trusts Voluntary, targeted saving for a specific goal; Flexible payment methods; and Access to investment allowed at any time. Nedgroup Investments Tax-free Investments Tax-free investment returns; Flexible payment methods, limited to R per year; Access to a wide range of Nedgroup Investments funds; and Access to investment allowed at any time (subject to contribution limits).

3 Nedgroup Investments Retirement Annuity A retirement annuity is a retirement fund that: Takes advantage of long-term compounding to grow an investment amount; Provides investors with an income stream in retirement; Has attractive tax benefits for investors; Requires no payment of estate duty; and Allows for voluntary contributions. The Nedgroup Investments Retirement Annuity offers investors: Ad hoc and flexible payment options; No causal event fees or penalties; and The option of staggered retirement. The Nedgroup Investments Retirement Annuity is suitable for a wide range of investors who: Wish to save for their retirement in a tax-efficient manner; Would like to supplement existing retirement savings; Are self-employed or not a member of a pension or provident fund; Are not receiving contributions from their employer to a pension or provident fund on their behalf; and Would like to commit to a disciplined, long-term savings plan.

4 Nedgroup Investments Pension Preservation Fund & Nedgroup Investments Provident Preservation Fund Pension and provident preservation funds are retirement funds that: Provides retirement fund members an opportunity for continued growth of investors retirement savings following a dismissal, retrenchment or resignation from their employer; Enables investors to continue growing their retirement savings in spite of unforeseen circumstances; Requires no payment of estate duty; and Allows for one withdrawal before retirement. The Nedgroup Investments Pension Preservation Fund and the Nedgroup Investments Provident Preservation Funds offer investors: Tax-free investment growth; No causal event fees or penalties; and The option of staggered retirement. The Nedgroup Investments Pension Preservation Fund and the Nedgroup Investments Provident Preservation Fund are suitable for a wide range of investors who: Have an existing pension or provident fund and are leaving an employer as a result of resignation, dismissal, retrenchment or resignation; Wish to preserve the benefits of their pension or provident fund membership they had with their previous employer; Intend to continue to grow and protect their retirement savings; Want to choose from a range of underlying investments instruments; and May want to make one withdrawal before retirement.

5 Nedgroup Investments Endowment An endowment policy is a life insurance contract that: Has a minimum restriction period of five years; Allows for one withdrawal in the restriction period and thereafter unlimited withdrawals; Has tax benefits for investors; and Provides investors with full access to their savings after the minimum term of five years, or on death. The Nedgroup Investments Endowment offers investors: Significant tax benefits on the investment returns (for the tax bracket of more than 30%); Access to a wide range of Nedgroup Investments funds; The ability to make early withdrawals without penalties; and The ability to open multiple accounts, allowing for one withdrawal from each account. The Nedgroup Investments Endowment is suitable for any investors who: Would like to commit to a disciplined, long-term savings plan; Would like to structure their investments in a more tax-efficient manner; Want beneficiaries to be paid out quickly on death; and Are looking for exposure to growth assets like shares.

6 Nedgroup Investments Living Annuity A living annuity is a post-retirement investment product that: Allows investors to re-invest accumulated retirement savings after retirement while receiving an income; Provides a retirement income for retired investors or their beneficiaries; Targets further investment return after retirement; Allows investors flexibility to select annuity income amount (subject to regulatory limits); and Enables a death benefit to be paid to nominated beneficiaries. The Nedgroup Investments Living Annuity offers investors: and No causal event fees or penalties. The Nedgroup Investments Living Annuity is suitable for any investors who: Are invested in pension fund, provident fund, pension preservation fund, provident preservation fund or a retirement annuity and want to re-invest their retirement savings after retirement, while receiving an income; Want to select their annuity income amount in retirement; and Want to choose form a range of underlying investments.

7 Nedgroup Investments Unit Trusts Unit trusts are investment vehicles that: Pool the funds of many investors into a single collective investment scheme; Invest in many different markets and market sectors; and Have a wide range of return and risk profiles depending on the asset allocation. The Nedgroup Investments range of unit trusts offers investors: Investment opportunity with the top ranked SA unit trust manager and top offshore FSB approved unit trust manager (PlexCrown unit trust survey, 30 September 2015); Choice of a wide range of Nedgroup Investments funds; Opportunity to save for a specific savings goal; Options to switch between unit trusts during the investment period without paying a fee; and Flexibility to choose how long they would like to stay invested The Nedgroup Investments range of unit trusts investments should be considered by any investors who: Intend to save for a specific goal; Want to choose from wide range of investments; Want to choose the size and frequency of their contributions; Require easy access to their money; and May want to switch between underlying investments.

8 Nedgroup Investments Tax-free Investment A tax-free investment is a flexible unit trust investment that: Offers tax-free investment returns; Is exempt from tax on dividends, interest earned and capital gains; Has a maximum investment amount of R per year or R over a lifetime; Imposes penalties if investment contributions maximums are exceeded; and Allows access to investment at any time (subject to contribution limits). The Nedgroup Investments Tax-Free Investment offers investors: Flexible payment options; and No causal event fees or penalties. The Nedgroup Investments Tax-free Investment is a product that should be considered by any investors who: Want to generate tax-free capital growth on their investment; Intend to save for the long-term but want immediate access to funds in an emergency; Want to choose the frequency and size of payments; and Want access to a range of underlying investment options.

9 Your investment journey starts here This document is a high-level view on what we can offer you and we encourage you to ask questions. Get in touch with us to download fund fact sheets, read about the latest developments on our funds and find out more about the ideal investment product for your or your clients needs. Phone Johannesburg: Pretoria: Cape Town: Durban: Port Elizabeth: Nedgroup Collective Investments (RF) Proprietary Limited administers the Nedgroup Investments unit trust portfolios and is authorised to do so as a manager in terms of the Collective Investment Schemes Control Act. Collective Investment Schemes (unit trusts) are generally medium to long-term investments. The value of participatory interests (units) may go down as well as up and past performance is not necessarily a guide to the future. Unit trusts are traded at ruling prices and can engage in borrowing and scrip lending. Forward pricing is used. Certain unit trust funds may be subject to currency fluctuations due to its international exposure. Nedgroup Investments has the right to close unit trust funds to new investors in order to manage it more efficiently. A schedule of fees and charges and maximum commissions is available on request from Nedgroup Investments. For full details of ratings and awards, please visit Please note that Nedgroup Collective Investments (RF) Propriety Limited is not authorised to and does not provide financial advice. This document is of a general nature, not intended to address the circumstances of any investor and cannot be relied on as legal, tax or financial advice, either express or implied. NGI-Nov2015-Ed:1

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