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Empowering Clients to Safeguard and
Grow Their Financial Wealth.
AdobeStock_458659790_Preview
Empowering Clients to Safeguard and Grow Their Financial Wealth.

Valued Clients

Serving individuals of established wealth and those seeking necessary solutions in today’s dynamic world. 

Through detailed planning and a systematic approach, clients are empowered to successfully address aspects of their financial and investment journey, as exemplified below

The following 6 crucial questions hold the key to safeguarding your investments, ensuring their sustainability, and propelling you toward your long-term objectives; overlooking these inquiries could potentially expose your investments to avoidable risks, jeopardizing the very outcomes you aspire to achieve.

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Is my investment portfolio strategically organized and in line with a professional plan that undergoes regular updates?

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Has my financial plan effectively outlined my investment goals, risk tolerance, and capacity, while also accounting for factors like inflation, taxation, and maintaining sustainable liquidity during my retirement years?

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Do I possess a comprehensive understanding of the investments I'm considering, ensuring informed decision-making?

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Has my investment strategy accounted for addressing potential short and long-term financial risks, such as currency devaluation, market limitations, and the long-term possibility of reduced capital outflow and high inflation?

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Do I possess a comprehensive understanding of each participant's roles, their responsibilities, and how their combined annual costs could impact my investments?

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Does the guidance I am receiving come entirely devoid of conflicts of interest, ensuring independence from non-independent advisors and those who, despite claiming independence, oversee and promote their own funds?

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The possible market, tax and management costs associated with neglecting these important factors, and the substantial influence they can have on your financial well-being, are highlighted below for your consideration.

0%

LOST TO FEES

No money lost to fees meaning sound investment planning
R13,781,217

RETURN*

0%
FEE
20.1%

LOST TO FEES

20% funds lost due to fees can be avoided with sound investment planning
R11,011,071

RETURN*

1%
FEE
35.7%

LOST TO FEES

35% of money lost due to fees can be avoided with sound investment planning
R8,876,450

RETURN*

2%
FEE
47.7%

LOST TO FEES

Sound investment planning can prevent funds lost due to fees
R7,202,787

RETURN*

3%
FEE
57.2%

LOST TO FEES

Sound investment planning can prevent money lost due to fees
R5,904,813

RETURN*

4%
FEE
64.5%

LOST TO FEES

Sound Investment planning will prevent moneys lost due to fees
R4,888,085

RETURN*

5%
FEE

Assumption:

Accumulation in real terms of investment contributions of R1000 per month increasing by 6%pa totalling R 1587 144 after 40 years at a yield of CPI plus 5%.

Source – National Treasury, Charges in Southern African Retirement Funds July 2013