AAM Financial Services · Proposed CLiF
CLiF Retirement Annuity
Today’s essentials. Tomorrow’s retirement.
What it is
Supplement retirement saving with eligible consumption-linked contributions.
A proposed contribution mechanism linked to an approved retirement annuity (RA), not a newly registered retirement fund. It could help employees, entrepreneurs and self-employed people supplement retirement savings.
How it works
With your mandate and the RA provider’s acceptance, verified, settled merchant allocations can supplement affordable personal contributions. The authorised provider administers the investment under retirement-fund rules and reports your contributions and holdings.
SWYO · OWYS means “Shop Where You Own. Own Where You Shop.” Your spending remains payment for goods and services. Only eligible merchant profits allocated under agreements, verified and paid into your investment become contributions. No profit may mean no allocation.
Potential benefits
- An additional possible source of retirement contributions.
- Long-term investing aligned with retirement goals.
- Potential tax treatment subject to current law and your circumstances.
Is it suited to you?
For retirement objectives where restricted access is appropriate. Your adviser should assess affordability, existing retirement provision and the applicable contribution rules.
Understand the risks
Investment values and future retirement income are not guaranteed. Access is restricted by retirement law, applicable two-pot rules and provider terms; an RA is not an everyday spending account.
General information, not financial advice. CLiFs are proposed and not open for subscriptions. Underlying products, authorisations, merchant agreements, minimum contributions, fees and launch dates must be confirmed before participation. Capital, allocations and investment returns are not guaranteed.
Your budget. Your priorities.
Start with a conversation, not a commitment.
A licensed and registered financial adviser will help you assess your needs, affordability and risks, explain approved product options and guide onboarding when the programme becomes available. Keep essential expenses and emergency needs first.