Investment / Savings
Unit Trusts
This is a flexible investment solution which enables investors to save towards any financial goal in a transparent and cost-effective manner.
• You can request a regular income payment from your investment, which you can stop or change at any time.
• You can add more money to your investment whenever you want.
• You may withdraw all or a portion of your investment at any time.
• You can start an investment by contributing a minimum of R500 a month. Or a single lump sum of R20 000 or more.
• Your investment growth is based on the performance of the underlying funds that is based on your portfolio as per your Risk appetite.
Education Savings
There are various plans one can choose from to save for children with Tax implications.
• The account can be held in the child’s name.
• You can adjust your debit order contributions to your changing needs without any penalties.
• You can add more money to the investment whenever you want.
• You may withdraw all or a portion of the investment at any time.
• You have signing powers on the account until your child reaches the age of 18.
• Your investment growth is based on the performance of the underlying funds that is based on your portfolio as per your Risk appetite.
• You can start an investment by contributing a minimum of R500 a month. Or a single lump sum of R20 000 or more.
Tax Free Investment
A tax-free savings account allows you to save up to R33 000 a year and up to a maximum of R500 000 in your lifetime. By taking
advantage of a tax-free savings account, you can save for most of your life’s goals including your children’s education.
• Your money is always accessible, without any penalties
• You can open a tax-free investment for minor children.
• All the investment returns in your account are completely tax-free.
Endowment
This is a savings account that one can take for any financial goal. It has Estate Planning Benefits and Tax Implications.
At death: – Payment is made directly to the beneficiaries, this eliminating executors Fees.
• You can invest using a monthly debit order or a lump sum.
• Your investment may be used as a security/ collateral.
• Payments are made net after tax when you withdraw.
Offshore Investment
Investing offshore gives you access to various assets such as countries, currencies and companies. This can reduce your risk, as not
all your money is in one place.
• You can request a regular income payment from the investment.
• Your investment growth is based on the performance of the underlying funds that is based on your portfolio as per your Risk
appetite.
FINANCIAL PLANNING
In general usage, a Financial Plan is a Comprehensive Evaluation of the individual’s current pay and future financial state by using current known variables to predict future income, asset values and withdrawal plans. It might involve looking into but not limited to:
- Education Planning
- Retirement Planning
- Provision for Family Future
- Investment Planning
- Estate Planning
How do we do it?
We work with the following Linked Investment Service Providers:
