Corporate Umbrella Funds: Help your employees prepare for a rainy day

In order to build a sustainable business, companies need to attract talent and then make sure they retain that talent. Company benefits in many cases are the differentiator.

All companies and organizations have one thing in common – they are in a war to attract top talent to their organizations. One of the things employees consider when choosing a job are the employee benefits on offer. Most employers do not realise, or they underestimate the value of employee benefits.


Why Are Employee Benefits So Important?

In order to build a sustainable business, companies need to attract talent and then make sure they retain that talent. Company benefits in many cases are the differentiator. With only 6% of South Africans able to retire comfortably, socially responsible companies should try to assist employees to achieve the economist required estimate of 17 times annual income saved up by retirement. Socially responsible companies can then further pride themselves in knowing that should the unforeseen events of life happen; their employees are covered.

As a business owner, focusing on growing your business is a priority. Liberty’s umbrella solutions give you the flexibility to structure employee benefits that will empower your employees. This allows your employees to live their lives with the knowledge that their financial future is secure and their families are financially protected.


What Are Umbrella Funds?

The Liberty Corporate Selection Suite of Umbrella Funds offer employers the opportunity to tailor an employee benefit solution for their staff, within the framework of an umbrella solution. With a wide range of Liberty risk and investment solutions, as well as a choice of external risk underwriters and asset managers, an employer has ultimate flexibility in benefit structuring. Employers with a wide range of employee groups can create benefit structures that are customised to satisfy each group.


Risk cover solutions for organizations

We know that you care about your employees and their families. Our risk solutions cover a wide range of circumstances and provide for your employees when they might find themselves in financial need. The risk cover offered in our umbrella funds are: Group life assurance, Family funeral benefit, Capital disability and impairment, Dread disease, Income protection plan, Spouse’s and children’s pension and the Educator benefit.


Investment options for organizations

The Liberty Corporate Selection Umbrella Fund offers a wide-range of Trustee-approved investment choices to meet the savings needs of employers and their employees. This extended range of investment portfolios allows clients, with the help of a Liberty Corporate–accredited financial adviser, to tailor their investment strategy to align to specific financial planning goals. The investment options available in the umbrella fund are: Life stage models, Risk managed solutions, Passive solutions, Alternative solutions, Balanced solutions, Fixed income and Global asset investments.


Liberty value-added services and IWCP value-added partners

These value-added services are free and available 24 hours per day, 365 days per year, in the member’s language of choice. These are the value-added services offered by Liberty:

  • Emergency medical information, advice and referral hotline
  • Emergency ambulance service
  • Legal advice
  • Trauma assistance helpline
  • Body repatriation, to/from neighbouring countries
  • Mind my money


Through engagement with our clients, in addition to the standard value-added services from Liberty, we at IWCP have negotiated with the following partners to provide additional support to our clients:


  • Tax consulting
  • Commercial insurance
  • Medical Aid specialist
  • HR Consulting services
  • Employee financial wellness analysis
  • Marketing strategies


  • Employee debt counselling
  • Wills drafting & estates planning for employees
  • Employee financial planning
  • Medical Aid specialist
  • Employee wellness days for staff


Help your Employees by sourcing a Retirement Fund with a reputable Insurance Company. At IWCP we can offer a customised Retirement Fund suitable for your Company’s requirements.


The information contained in this document does not constitute advice by IWCP. Any legal, technical or product information contained in this document is subject to change from time to time. If there are any discrepancies between this document and the contractual terms and conditions, the contractual terms and conditions will prevail. Any recommendations made by an adviser or broker must take into consideration your specific needs and unique circumstances.

IWCP is an Affiliate of Liberty Group Limited. Liberty Group Ltd is an Authorised Financial Services Provider in terms of the FAIS Act (no. 2409). Terms and Conditions apply.

For more details about any product benefits, definitions, guarantees, fees, tax, limitations, charges, premiums/contributions or other conditions and associated risks, please speak to an IWCP Financial Adviser or your Broker.