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Guaranteed Annuity Investment Linked Life Annuity (ILLA) Example of different Annuity options You must use at least 2/3 of your retirement savings to buy an annuity that will provide you with income during your retirement. You have different types of annuity options available to you in the market today. The different annuities have different income and capital protection outcomes. They all pay an income on a monthly basis and that monthly income is taxed as income. Once you retire, you face the following critical risks: Long life risk: The risk of living longer than expected and therefore running out of money during your lifetime. Inflation risk: The risk that the amount of money you receive does not increase enough to keep up with theincrease in prices of goods and services. Dependant life risk: Risk of your dependants not having sufficient income to continue with their lifestyles upon your death. Investment risk: Risk of poor returns on your assets after retirement that reduces your ability to withdrawincome to meet your needs and includes the risk that your investments are depleted during your lifetime. Keep these risks in mind when you have to make the important decision about an annuity when you retire. Learn more about the different annuity options by following the links on this webpage.  

Guaranteed Annuity

Guaranteed annuities offer you an income for life in return for a single premium. You have the guarantee of a stream of future income for life therefore never having to worry about running out of income during your lifetime. The insurer carries the investment risk of ensuring they have sufficient funds to pay you for the rest of your life. Life annuity rates used mainly depend on 2 factors, namely, The effect of the interest rates & The effect of the period of expected payment ....         

Investment Linked Life Annuity (ILLA)

An ILLA enables you to transfer your retirement fund benefits into a personalised investment portfolio, managed according to your risk profile. A regular income from a flexible retirement investment product. You have control of your underlying investment, tailored to your specific risk profile. You can leave a legacy to your dependants if you die. A tax-efficient retirement solution ....           
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