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{"sheet":"Sheet1","index":0,"n_rows":15,"n_cols":7,"rows_kept":15,"cut":false,"hidden":false,"merged":[[14,6,16,17]]}
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[null,null,null,null,null,null,"This tool requires macros to be enabled. Please ensure that macros are enabled then click the button below to proceed."]

{"sheet":"Inputs","index":1,"n_rows":122,"n_cols":33,"rows_kept":122,"cut":false,"hidden":false,"merged":[[10,0,10,2],[16,3,16,5],[10,6,10,8],[10,12,10,14],[26,3,26,5],[20,3,20,5],[21,3,21,5],[15,3,15,5],[25,3,25,5],[15,6,16,23],[27,3,27,5],[28,3,28,5],[30,3,30,5],[28,6,28,7],[9,15,9,17],[14,3,14,5],[9,6,9,8],[9,12,9,14],[10,15,10,17],[26,10,26,12],[27,10,27,12],[28,10,28,12],[30,10,30,12],[29,3,29,5],[31,10,31,12],[38,3,38,5],[34,10,34,12],[35,10,35,12],[36,10,36,12],[37,10,37,12],[38,10,38,12],[34,3,34,5],[35,3,35,5],[36,3,36,5],[37,3,37,5]]}
[1,"Gross"]
[1,{"$f":"IF(D26=\"Classic Investment Plan\",\"CIS\",\"LLA\")","v":"LLA"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Classic Investment Plan"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Classic Linked Life Annuity Plan"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Percentage"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rand Amount"]
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[null,"Investor Details"]
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[null,"Investor Name:"]
[null,"Investor Age:",null,null,null,null,"*Please note this calculator is not linked to any tax tables. If you are using this tool to calculate Annuity Income please refer to the latest SARS Tax tables."]
[null,"Investor Tax Rate:"]
[]
[null,"Broker Details"]
[]
[null,"Financial Adviser Name"]
[null,"Financial Adviser Code"]
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[null,"Investment Details"]
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[null,"Product"]
[null,"Investment Amount:"]
[null,"Annual Growth Rate:"]
[null,"Annual Income:"]
[null,"Annual Percentage:",null,{"$f":"IF(A2=1,D29/(D27-(SUM(D35:F36)*D27)),(D27-(SUM(D35:F36)*D27))*D29)","v":{"$error":"#DIV/0!"}}]
[null,"Inflation:"]
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[null,"Fees"]
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[null,"STANLIB Initial Fee:",null,0]
[null,"Financial Adviser Initial Fee:",null,0]
[null,"Financial Adviser Ongoing Fee:",null,0]
[null,"Total Fund Charge:",null,0]
[null,"STANLIB Platform Charge:",null,0]
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[null,"Age","Capital","Income (Gross of Tax)","Income","Income %","Income %","Return (Net of Fees)","Fees (incl VAT)","Tax","Income (Net of Tax)"]
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[null,null,null,"Investment Summary"]
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[null,null,null,"Investment Details",null,null,null,null,"Fees"]
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[null,null,null,"Annual Growth Rate:",null,{"$f":"Inputs!$D$28","v":0},null,null,"Total Fund Charge:",null,null,{"$f":"Inputs!$D$38","v":0}]
[null,null,null,"Annual Income:",null,{"$f":"Inputs!$D$29","v":0},null,null,"STANLIB Platform Charge:",null,null,{"$f":"Inputs!$D$39","v":0}]
[null,null,null,"Inflation:",null,{"$f":"Inputs!$D$31","v":0}]
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[null,null,null,null,"Income Drawdown Graph (Net of Fees)"]
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[null,null,null,"Income Drawdown Graph (Net of Fees & Tax)","Income Drawdown Graph (Net of Fees & Tax)"]
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[null,null,null,"Income Drawdown Calculations"]
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[null,null,null,{"$f":"Output!B78","v":64},{"$f":"Output!C78","v":0},{"$f":"Output!D78","v":0},{"$f":"Output!F78","v":{"$error":"#DIV/0!"}},{"$f":"Output!H78","v":0},{"$f":"Output!I78","v":0},null,{"$f":"Output!J78","v":0},{"$f":"Output!K78","v":0}]
[null,null,null,{"$f":"Output!B79","v":65},{"$f":"Output!C79","v":0},{"$f":"Output!D79","v":0},{"$f":"Output!F79","v":{"$error":"#DIV/0!"}},{"$f":"Output!H79","v":0},{"$f":"Output!I79","v":0},null,{"$f":"Output!J79","v":0},{"$f":"Output!K79","v":0}]
[null,null,null,{"$f":"Output!B80","v":66},{"$f":"Output!C80","v":0},{"$f":"Output!D80","v":0},{"$f":"Output!F80","v":{"$error":"#DIV/0!"}},{"$f":"Output!H80","v":0},{"$f":"Output!I80","v":0},null,{"$f":"Output!J80","v":0},{"$f":"Output!K80","v":0}]
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[null,null,null,"Signed at",null,"  ",null,"On"]
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[null,null,null,"Full Name"]
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[null,null,null,"Signature"]
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[null,null,null,"Introduction to STANLIB"]
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[null,null,null,"STANLIB is wholly owned by the Liberty Group of which the Standard Bank Group is a major shareholder, together with a diversified spread of BEE organisations dedicated to the advancement of the previously disadvantaged. STANLIB has over 400 000 clients and over R300 billion of assets under management, making us the third largest manager of investments in South Africa and the largest unit trust company in the country. We have a presence in eight African countries."]
[null,null,null,"STANLIB provides access to one of the most comprehensive ranges of unit trusts in the country. We also offer our clients the opportunity to\ninvest in a wide range of linked products, retirement vehicles and funds from other companies in order to meet clients' diverse needs."]
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[null,null,null,"STANLIB stands behind one of the most innovative financial services industry projects, FundiSA, which aims to encourage savings for tertiary education by offering a bonus to investors. STANLIB also has an investment academy for previously disadvantaged students and provides financial aid to learners through bursaries."]
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[null,null,null,"Introduction to the Classic Linked Life Annuity (LLA)"]
[null,null,null,"With the STANLIB Classic Linked Life Annuity you have total flexibility to determine your own investment mix from a comprehensive selection of investment options. You may link your investment to as many as 8 funds and have a choice of over 180 funds from both STANLIB and other reputable asset management companies. With this flexibility you can diversify and minimise risk by combining different asset managers and funds within a single product, without having to invest directly in every asset management company. These funds can be switched at any time to meet your changing needs and risk profile without incurring a switching charge."]
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[null,null,null,"Additional Benefits of a STANLIB Linked Investment"]
[null,null,null,"Phasing-in option:\nYour investment can be phased in over a 24 month period with the initial investment being in the Standard Bank money market fund. This benefit reduces the volatility risk of the investment."]
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[null,null,null,"Total transparency:\nThere is total transparency with charges disclosed upfront and continual access to statements online.\nSpread Platform Charge:\nIn order to enhance your investment, there is also the option of spreading your STANLIB initial platform charge over 24 months."]
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[null,null,null,"Post-retirement Saving:\nWhen saving for in post-retirement, you can save through compulsory or voluntary investment vehicles. You may wish to use your retirement fund benefit to provide you with a flexible income during retirement or you may want to maximise growth on your original retirement capital. You may also just be looking to save for a specific retirement objective such as an overseas holiday."]
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[null,null,null,"Classic Linked Life Annuity (LLA)"]
[null,null,null,"The Classic Linked Life Annuity provides you with a regular annuity retirement. Your linked income payments are directly linked to the performance of your underlying investments. An annuity of between 2.5% and 17.5% can be selected to match your income needs and this can be adjusted annually. You can switch between underlying unit trusts freely to capitalise on performance or enhance protection of assets. On death, the capital remaining in the LLA is distributed to your beneficiaries. You do however bear the risk of running out of capital if you outlive your savings."]
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[null,null,null,"Customer Service"]
[null,null,null,"STANLIB is committed to excellent customer service and ethical, responsible and sustainable business practices.\nWe have adopted the ‘Treat Customers Fairly’ principles and have ingrained them in the STANLIB culture. We will at all times conduct our business with due skill, care and diligence, as well as control and manage our business responsibly and effectively with adequate risk management systems. In addition, we will give due consideration to our investors’ interests and treat them fairly, and listen to, understand and act on feedback from our investors.\nWe are committed to provide you with the following:"]
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[null,null,null,"Regular Communication and access to information\nWe believe that communicating with our clients is vital, and our commitment is to ensure that relevant information is available to assist you in managing your investments with us. There are a few ways to achieve this:\n- STANLIB Website, www.stanlib.com provides the most recent and up to date commentary about the investment market as well as all the\nlatest fund information;\n- STANLIB Online, our secure online platform, where you have access to your investment balance, statements, asset and fund allocation\nand investment performance;\n- STANLIB Mobile, for instant information about your investments on your web-enabled cell phone. Visit m.stanlib.com;\n- Regular investment statements, keeping you in touch with your investment performance;\n- STANDPOINT Magazine, our bi-annual client publication, containing the latest news about STANLIB, interesting and relevant information\nabout the economy and markets, and details of our product solutions to assist you in your financial progression."]
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[null,null,null,"Transparency\nAt STANLIB we understand how important it is for you to ensure that your hard-earned money is in safe hands.\nSTANLIB is a registered and licensed financial services provider and our policies and procedures are in accordance with current regulation. To this end, STANLIB is committed to transparency around our business practices and we disclose all the relevant fees and investment details to clients at new business stage."]
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[null,null,null,"Confidentiality of information\nYour right to privacy and security is very important to us. STANLIB Limited and its subsidiary companies treat personal information obtained as private and confidential and we are committed to providing you with secure access to our online services. As such all interactions with our transactional websites are protected through encryption that complies with international standards."]
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[null,null,null,"Right to give us feedback\nWhile we strive for the perfect client relationship, we accept that clients might not be completely satisfied from time to time. In such cases we need to investigate and resolve these issues as soon as possible in an appropriate manner and through the right channels.\nThere are various ways to give us this feedback:\n- Phone our Contact Centre on 0860 123 003 or email contact@stanlib.com, for general queries and comments; or\n- Rate STANLIB on www.stanlib.com, or\n- Follow the formal escalation procedure available on www.stanlib.com for any unresolved queries and formal complaints."]
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[null,null,null,"Notes and Disclaimers"]
[null,null,null,"Notes"]
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[null,null,null,"The proposal is for the exclusive use of the client contemplating the purchase of the above investment with STANLIB Wealth Management Limited. (STANLIB) and will be subject to all terms and conditions as set out in the relevant application form signed by the client. If there are any inconsistencies between this proposal and the application form, then the application form shall prevail. Please refer to the appropriate application forms for all the terms and conditions applicable to the investment."]
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[null,null,null,"STANLIB does not give financial advice. The information and content of this document are intended to be for information purposes only and STANLIB does not guarantee the suitability or potential value of any information contained herein. STANLIB does not expressly or by implication propose that the products or services offered in this document are appropriate to the particular investment objectives or needs of any existing or prospective client. Potential investors are advised to seek independent advice from an authorised financial adviser in this regard."]
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[null,null,null,"A living annuity allows you to set your income level subject to constraints imposed by the authorities from time to time and allows you to invest in a wide range."]
[null,null,null,"The level of income you select is not guaranteed for the rest of your life. The level of income you select may be too high and may not be sustainable if:\n- You live longer than expected with the result that your investment runs out before your death; or\n- The return on your investment is lower than that required to provide a sustainable income for life.\n\nIt is your responsibility to ensure that the income that you select is at a level that would be sustainable for the rest of your life. You need to manage your income drawdown relative to your investment return carefully in order to achieve this. The table below can be used a guide."]
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[null,null,null,"Years before your income will start to reduce (in today’s money, i.e. after taking into account inflation of 6% per annum)"]
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[null,null,null,null,null,null,null,null,"Investment return per annum (after fees)"]
[null,null,null,null,null,null,null,2.5000000000000001E-2,0.05,7.4999999999999997E-2,0.1,0.125]
[null,null,null,null,"Annually selected income rate",null,2.5000000000000001E-2,21,30,"50+","50+","50+"]
[null,null,null,null,null,null,0.05,11,14,19,33,"50+"]
[null,null,null,null,null,null,7.4999999999999997E-2,6,8,10,13,22]
[null,null,null,null,null,null,0.1,4,5,6,7,9]
[null,null,null,null,null,null,0.125,2,3,3,4,5]
[null,null,null,null,null,null,0.15,1,1,2,2,2]
[null,null,null,null,null,null,0.17499999999999999,1,1,1,1,1]
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[null,null,null,"It is important to note that the table above assumes that you will adjust your percentage income selected over time to maintain the level of income (allowing for inflation). Once the number of years in the table above has been reached, your income will diminish rapidly in the subsequent years.\nPlease ensure that your financial adviser has explained both the advantages and the risks of the living annuity and compared these against life annuities (where the insurer carries the full investment risk and the risk of you living longer than expected).\nThese indicative rates are general guidelines and should be considered taking into account each policyholder's financial situation and all other sources of income."]
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[null,null,null,"The information provided herein is the possession of STANLIB and are protected by copyright and intellectual property laws. The information may not be reproduced or distributed without the explicit consent of STANLIB."]
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[null,null,null,"STANLIB has taken care to ensure that all information provided herein is true and accurate. STANLIB will therefore not be held responsible for any inaccuracies in the information herein. STANLIB shall not be responsible and disclaims all loss, liability or expense of any nature whatsoever which may be attributable (directly, indirectly or consequentially) to the use of the information provided."]
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[null,null,null,"STANLIB Wealth Management Limited is an authorised Financial Services Provider in terms of the Financial Advisory and Intermediary Services Act No. 37 of 2002 (Licence No. 26/10/590)."]

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["Conditions of use: "]
["This calculator is not a quotation nor does it provide any information on any actual products. \nIt is simply provided as a tool to illustrate to you what the investment returns and income returns could be over specified time periods and you are urged to ensure that you verify the contents and are comfortable with utilising it."]
["Disclaimer:"]
["The provision of this calculator does not constitute advice by Liberty. \nWhilst every attempt has been made to ensure the accuracy of the information and calculations contained herein, no responsibility for any errors that may occur or for any damages suffered as a result of such errors will be accepted by Liberty. The values provided are not the final values and are merely an estimate based on the information provided and should not be relied on in isolation. Any recommendations made must take into account the personal circumstances and specific needs of the client."]