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Maximize Wealth, Minimize Stress:
Tailored Financial Plans for Smart Investing in Local and Offshore Funds.
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Maximize Wealth, Minimize Stress: Tailored Financial Plans for Smart Investing in Local and Offshore Funds.

Local Investment Platforms

For investors preferring reputable local asset managers with access to both local and offshore funds, without requiring offshore allowances or tax clearance, two services are offered:

Self-Managed Portfolio

Ideal for those with investment expertise seeking assistance in setting up an optimized portfolio to achieve identified objectives and minimise risk.

Pricing, based on an hourly rate of R1950, is outlined in a detailed proposal presented for approval before initiation.

No annual advisory fees are incurred, with involvement limited to review or support upon request.

Managed Portfolio

Ideal if you are seeking a hassle-free investment experience and expert guidance.

A professional plan aligned with specific goals is created and implemented, with pricing detailed in a proposal based on an hourly rate of R1950. Before starting, the plan is presented for your approval.

Annual financial advisory fees, ranging from 0.25% to 0.5%, are clearly outlined in a transparent service level agreement.

I utilize non-commissionable investment vehicles to implement your portfolio, additionally, I do not impose a default upfront fee based on a percentage of your assets. Instead, the full proceeds are directly invested.

 

ALL FUNDS FLOW DIRECTLY TO FSCA APPROVED FUND MANAGERS.

Investment Vehicles

Below is a list of vehicles and their attributes that can potentially be utilized to implement an investment strategy tailored to your personal needs.

RETIREMENT ANNUITY FUNDS

An individual pension plan that allows you to save for your retirement in a tax free manner.

Key features 

  • Contributions up to certain limits are tax deductible
  • Contributions can be increased, lowered or stopped at no cost
  • The internal fund return is tax free
  • The investment can be structured to suit your risk profile within limits prescribed by sect.28 of the pension fund act
  • No commissions or exit fees
  • Access to high performing funds
  • Real time investment report
ENDOWMENT FUNDS

A discretionary savings vehicle that enables you to invest in a tax-efficient manner. If your marginal tax rate is more than 30% and you require a degree of liquidity, this vehicle is for you.

Key features

  • Your investment can enjoy 100% offshore exposure. It is not limited by sect 28
  • Invest in all four asset classes with no restrictions on allocation
  • Minimum investment term is 5 years
  • Access your capital plus 5% compound interest tax-free within the first 5 years
  • No commission or exit fees
  • Invest in funds with 100% offshore exposure
DIRECT UNIT TRUST INVESTMENTS

This is an investment vehicle for investors who have disposable discretionary money and wish to save for any short, medium or long term goal. Growth is taxable in the investor’s capacity only on switches or withdrawals.

Key features

  • Invest in offshore fund managers
  • Index- tracking fund
  • Active manager funds
  • Access exchange-traded funds
  • Speculate in commodities like platinum, rhodium and palladium
PENSION AND PROVIDENT PRESERVATION FUNDS

A retirement savings plan that allows you to preserve your retirement savings in a tax-efficient vehicle when you resign are dismissed or retrenched

Key Features

  • No tax is payable on transfer to a preservation fund
  • The returns on capital within the fund are tax-free
  • The investment can be tailor made to your risk profile as long as it is in line with regulation 28
  • No commission payable nor penalty’s or exit fees.
  • Online real time reporting
LIVING ANNUITY’S

An investment which enables you to invest your retirement annuity, pension, provident or preservation fund into a tax-friendly vehicle and make regular income withdrawals.

Key Features

  • Investment can be structured to suit your exact income needs without taking unnecessary risks
  • There is no limit to offshore exposure
  • Diversification between local and offshore funds means less risk
  • No commission or penalty fees payable
  • Top-performing low cost funds available to enhance your investment returns
  • The income you choose can be between 2,5% and 17,5% of invested capital
  • Your chosen income level can be adjusted each year
TAX FREE SAVINGS ACCOUNT

A tax-free investment that is flexible and can be used to save for any purpose. The capital yield is tax-free and the drawings are tax-free. The investment contributions are capped at R36 000pa and the lifetime contribution at R500 000.

Key Features

  • No upfront commissions
  • No exit fees or taxes will apply
  • Funds can be drawn at will
  • Investment can be structured in line with your risk profile
  • Access to top-performing funds
  • No high-risk funds permitted
ETF (EXCHANGE TRADED FUND) INVESTMENT ACCOUNT

Set up an ETF (funds listed on the JSE) investment account for yourself that is flexible, low cost and liquid. The fund provides immediate access to your money and can be used to save for any investment goal.

Key Features

  • This platform provides an easy way to access ETF’s in both local and offshore markets
  • Low cost
  • No commissions
  • No exit fees or penalties
  • Wide range of alternative investments
  • Highly flexible when trading

Benefits To Consider

Customized Wealth Growth Strategies

Your plan is tailored to your unique financial situation and goals, ensuring a personalized approach to wealth accumulation.

Cost Effective Investing

Your investment plan will mitigate all unnecessary industry-accepted annual advisor, DFM, and asset management costs, ensuring your money stays with you.

Tax Efficiency

Your plan is implemented with tax mitigation in mind, helping you retain more of your earnings and reduce your tax burden.

Regular Portfolio Monitoring

I closely monitor your investments, making adjustments as needed to align with changing market conditions and your evolving financial goals.

Access to Exclusive Opportunities

By investing in a plan, you can potentialy access opportunities that may not be apparent to individual investors who invest directly.

Educational Resources

Gain access to educational materials and resources to enhance your financial literacy and empower you to make informed investment decisions.

No Tax Clearance Required

Access local and offshore investments without using your offshore discretionary allowance or needing tax clearance for annual foreign capital allowance.

Estate Planning Integration

Investing with a plan integrates your investments with estate and succession planning, ensuring care for your beneficiaries and the potential to minimize executor fees and estate duty.

Lying on top of Signal Hill Cape Town, local investment

 Benefits 

Customized Wealth Growth Strategies

Your plan is tailored to your unique financial situation and goals, ensuring a personalized approach to wealth accumulation.

Cost Effective Investing

Your investment plan with mitigate all unnecessary industry-accepted annual advisor, DFM, and asset management costs, ensuring your money stays with you.

Tax Efficiency

Your plan is implemented with tax mitigation in mind, helping you retain more of your earnings and reduce your tax burden.

Regular Portfolio Monitoring

I closely monitor your investments, making adjustments as needed to align with changing market conditions and your evolving financial goals.

Access to Exclusive Opportunities

By investing in a plan, you can potentialy access opportunities that may not be apparent to individual investors who invest directly.

Educational Resources

Gain access to educational materials and resources to enhance your financial literacy and empower you to make informed investment decisions.

No Tax Clearance Required

Access local and offshore investments without using your offshore discretionary allowance or needing tax clearance for annual foreign capital allowance.

Estate Planning Integration

Investing with a plan integrates your investments with estate and succession planning, ensuring care for your beneficiaries and the potential to minimize executor fees and estate duty.