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Everyone who saves for retirement strives to maintain a certain lifestyle once they retire. Some people want to maintain their standard of living while others have grand plans to see the world and live in luxury. The Sanlam Cumulus Echo Retirement Plan rewards you for saving towards these goals with an Echo Bonus, so you have the potential to supersize your retirement and get more out of life.
The Sanlam Cumulus Echo Retirement Plan is a retirement annuity designed to make saving for retirement more attractive and rewarding. The Echo Bonus is paid at retirement, and the amount is dependent on how long you save for and how many contributions you make. In other words, the earlier you start saving towards retirement and the more contributions you make, the bigger your Echo Bonus will be. That means you can supersize your retirement with an Echo Bonus and look forward to the retirement you deserve after years of hard work.
Once you retire, you have the option to stay invested without making further contributions, and seamlessly start withdrawing a regular income. While part of this income will be drawn from the Echo Bonus, your bonus will continue to earn interest and grow throughout the rest of your life.
Getting financial advice is a valuable investment in your financial future. Contact your Sanlam financial planner today to help you create your retirement plan and show you how you can supersize your retirement with a Cumulus Echo Retirement Plan.
Find out how the Echo Bonus is calculated.
How much do you need for retirement?
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If you'd like to find out exactly how the Echo Bonus works and how you can supersize maximise your retirement outcome savings, watch the video below.
When you retire, you generally need less income than you required before retirement. This is simply because some of your expenses like travelling to work will fall away, and you will also pay less tax after 65 (and even less after 75). Depending on your retirement plans, you would need at least 60% of your final pre-tax salary after retirement.
Sanlam Reality members on the Reality Plus, Reality Health and Reality Core membership options now qualify for a discount of up to 100% on the fee at benchmark of Sanlam Investments’ flagship funds. The discount percentage depends on your Sanlam Reality tier status. Speak to your Sanlam financial planner or accredited broker about Sanlam’s investments and savings products, the fees and the discount percentage you might qualify for. You can also visit the Sanlam Reality webpage to find out more about the benefits you can receive.