As retirement approaches, many hardworking Batswana like Kgosi, a 45-year-old construction business director, start asking serious questions: “Will I have enough to live on? What if an emergency comes up? Can I trust my money will last?” For those seeking both stability and flexibility in retirement, a hybrid pension plan may be the smartest choice.
The Motswako Hybrid Pension by Bona Life is designed for today’s challenges—offering guaranteed income and access to funds when needed. It’s a modern retirement solution that’s practical, low-risk, and trusted by working Batswana.
What Is a Hybrid Pension Plan?
A hybrid pension plan is a retirement savings option that combines the best of two worlds – the stability of a traditional pension that gives you monthly income for life, and, rhe flexibility of a savings account that allows you to withdraw lump sums when needed.
This gives retirees like Kgosi more control over their money—without sacrificing security. Here’s a simple comparison to understand the difference:
The Motswako Hybrid Pension is exactly this kind of plan—giving you structure and freedom in one affordable product.
Why Modern Retirees Need Flexibility and Security
Retirement is no longer predictable. Medical expenses, inflation, and economic pressures are making it harder for retirees to rely on fixed incomes alone.
- Medical costs are rising, especially in later life
- Inflation reduces the buying power of your savings
- Emergencies can happen anytime—home repairs, family needs, or health issues
That’s why today’s retirees need more than just a basic pension. They need a plan built for real life, one that adapts to their needs and ensures long-term peace of mind.
Top Advantages of a Hybrid Pension Plan
Guaranteed Monthly Income
Just like a traditional pension, hybrid plans offer a reliable monthly payout to cover daily expenses—so you never worry about running out of money.
Access to Emergency Funds
Need to help a grandchild with school fees? Fix your roof? Cover hospital bills? A hybrid pension plan allows you to access a lump sum without penalties or long waiting periods.
Customizable Contributions
Not everyone has a fixed salary. Hybrid pensions let you adjust your contributions based on how much you can afford, making it ideal for informal or seasonal workers.
Investment Growth
Your contributions don’t just sit idle. With Motswako Hybrid Pension, your money is invested wisely, so it grows over time—increasing your overall retirement benefit.
Why the Motswako Hybrid Pension Is Ideal for Retirees in Botswana
The Motswako Hybrid Pension by Bona Life is made for people like Kgosi—those who’ve worked hard their whole lives and now want a secure yet flexible future.
Here’s why it stands out:
- Designed for working Batswana – especially blue-collar and informal workers
- Affordable and low-risk – built for real incomes and real lives
- Trusted by thousands – backed by Bona Life, a reputable Botswana-based insurer
- Flexible and modern – adapts to your changing needs, even in retirement
Whether you’re planning to retire in five years or fifteen, Motswako gives you the tools to secure your family’s future with confidence.
👉 Explore the Motswako Hybrid Pension Plan
How to Get Started with Motswako
It’s easy to start your journey to a secure retirement:
- Speak with a Bona Life consultant – Get a personalized breakdown of your pension options.
- Choose your contribution structure – Monthly, quarterly, or once-off payments.
- Track your plan – Receive regular updates on your contributions and investment growth.
- Access benefits when needed – Begin receiving monthly income at retirement, with lump sum access available during emergencies.
With Bona Life funeral insurance and pension products, you’re supported at every stage of life—from your working years to your golden years.
Retirement Built for Real Life
Retirement shouldn’t mean stress or sacrifice. It should mean rest, freedom, and dignity. That’s exactly what the Motswako Hybrid Pension offers—affordable funeral cover, investment value, and flexibility for whatever life brings.
So whether you're a construction business director like Kgosi or any Motswana planning ahead, remember this: your future can be secure and flexible at the same time—you just need the right plan.
Enjoy the freedom of choice in your retirement years. Learn more about Bona Life’s Motswako Hybrid Pension – the modern solution for a secure and flexible future.
📞 Call: +267 398 1800
📱 WhatsApp: +267 76 744 686
🌐 Visit: www.bonalife.co.bw