Flexibility in respect of premium payments and investment periods is important where, for example, remuneration packages are structured in such a way as to be heavily reliant on performance related bonuses, or there is a preference on behalf of either the employer or the employee towards short term contracts. Flexible savings is the ideal depository for those looking to "make hay while the sun shines".

The growth in such a market is not, however, to the exclusion of product solutions that suit a longer-term objective - regular savings plans. Just as there is a need to cover uncertainty, there is an equally valid requirement to invest for future plans and ambitions, and that does not just mean retirement.

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