Embed Size (px)
Citation preview
Ghady Digital Employee Savings Plan
Ghady means my tomorrow, it is a unit linked savings and investment plan with a protection element designed for both Nationals and Expats to help them save for a brighter tomorrow. Ghady is unique in its features, it is designed to empower you to grow your savings with its low fees. One of the many advantages is that you are free to exit the plan any time before maturity with your full account value and without any exit fees.
What is Ghady?
Enjoy 24/7 access to your plan, view plan performance, manage contributions, withdrawals, change investment strategies and request contribution holidays all from one place.
PORTABLE
Nominal Fees which allow you to generate growth early on.
Ability to customize your plan to your needs.
WHYGHADY?
CORPORATE RATE
FLEXIBLE
TURNYOUR LIFEDREAMSINTOREALGOALS
Whether saving for your retirement, your children’s education or becoming financially independent, saving regularly can help you realize your dreams.
What age you retire at and how large a pension fund you'll need are down to your own personal circumstances. It's also worth thinking about how many years you can expect to be retired for. Having the funds you need at retirement can give you peace of mind.
TURNYOUR LIFEDREAMSINTOREALGOALS
One of the greatest pleasures in life is when you see your children successful and grow up to be better than you. Education is one of the most important gifts you can give to your children today, have you checked on the cost of education lately?
2,056 BD - 3,876 BD
Average Tuition Fees (Undergraduate and graduate) (UK)
$17,000 - $25,000Depending on the exchange rate at the time of study
Student Living Expenses (UK)
$1,300 - $1,600Depending on living inside
or outside London
Average Tuition Fees (Bahrain)
Average Tuirion & Fees2019 -2020 (US)
$10,116Public, In state
$22,577Public, Out of state
$36,801Private
BH : https://www.gulf-insider.com/bahrain-private-schools-guide2019/UK : https://www.studyacrossthepond.com/study-uk-costsUS : http://www.usnews.com/payingforcollege
Sources:
Whether saving for your retirement, your children’s education or becoming financially independent, saving regularly can help you realize your dreams.
GHADY’SKEY FEATURES
INVESTMENT ALLOCATION100% Single lump sum invested98% of regular contribution invested
CONTRIBUTION HOLIDAYUp to 3 times during the plan term.
WITHDRAWALSFree withdrawals up to 75% of Account Value while maintaining $5000 in account value.
LOW FEESLife assurance premium of 2% taken form regular contribution .Fund management fee 1% per annum taken monthly.
Accessible Affordable
Transparent Smart
SNIC investing in underlying funds which are Irish domiciled UCITS funds (the “Mercer Funds”). The investment manager is Mercer Global Investments Europe Limited (“MGIE”). MGIE and the Mercer Funds are authorised by the Central Bank of Ireland, however the authorisation by the Central Bank of Ireland does not constitute a warranty as to the performance of the Mercer Funds. The Mercer Funds are not registered for public distribution in Bahrain and policyholders have no direct access to such funds.
Enjoy a range of international investment funds designed to your risk appetite managed by a team of elite funds managers.
Diversified Growth Fund (100%)
GHADY’SFUND MANAGER
Moderate StrategyAsset Allocation
USD Cash Fund(35%)
Absolute Return Fixed Income (10%)
Diversified Groth Fund(32.5%)
Short Duration Global Band (10%)
Global Band (12.5%)
Cautious StrategyAsset Allocation
Low Volatility Equity(20%)
Sustainable GlobalEquity (5%)
Emerging Markets Equity (20%)
Active GlobalEquity (40%)
Global Small CapEquity (15%)
Adventurous StrategyAsset Allocation
MERCER INVESTMENT GLOBAL EUROPE
ABOUT USSNIC Insurance, has been protecting individuals and businesses with quality insurance coverage and strong commitment to service excellence since 1974. The company was licensed by the Central Bank of Bahrain as a Bahraini registered company in 2006 with a paid-up capital of 10 million Bahraini dinars.
VISION
VALUES
To empower people and corporations by covering their risks with the most innovative and meaningful solutions, delivered with a human touch.
MISSION
We are committed to the relentless pursuit of excellence, while acting in an ethical, transparent and responsible manner to exceed customer expectations.
PassionateResponsive CommittedEthical Innovative Human
