Investments

It doesn’t matter whether your young or old. It’s always the perfect time to start planning your financial future and achieving your goals. With our products, you can save for your first home, prepare for retirement or invest globally.

Unit trusts allow investors to pool their money together to invest in a diversified portfolio of assets such as stocks, bonds, and property. In South Africa, unit trusts offer an accessible way to participate in the market without needing substantial capital. Our advisors will help you choose the right unit trust based on your financial goals, risk appetite, and time horizon. These collective investment schemes are managed by professional portfolio managers, which means your money is being invested by experts who monitor and adjust the portfolio to maximize returns.

An endowment policy is a savings product that offers tax-efficient growth while providing a lump sum payout after a fixed period. Typically used for medium- to long-term savings goals in South Africa, endowments are especially beneficial for individuals in higher tax brackets as they offer favorable tax treatment on investment returns. We help you understand how an endowment policy can fit into your financial plan, whether you are saving for retirement, children's education, or any other significant future expense.

The Tax-Free Savings Account (TFSA) is a government-initiated product that allows South African investors to save and grow their money without paying taxes on returns, interest, or dividends earned. This is ideal for individuals looking to maximize their savings without the burden of taxes, making it an attractive option for long-term goals such as retirement or home purchases. With annual and lifetime contribution limits in place, our advisors help you make the most of your TFSA by recommending a balanced portfolio of cash, equities, and bonds.

Offshore investing allows South African investors to diversify their portfolios by investing in international markets. This type of investment offers exposure to foreign currencies and assets, helping to mitigate risks associated with local economic and currency fluctuations. Offshore investments can include shares, bonds, property, or mutual funds listed in countries with stable economies. We guide you through the complexities of offshore investing, ensuring compliance with South African Reserve Bank regulations and helping you understand the benefits of diversifying into global markets for long-term wealth preservation.

A Retirement Annuity (RA) is a tax-efficient savings vehicle specifically designed for retirement. Contributions to an RA are tax-deductible up to a certain limit, making it an attractive option for South African individuals looking to reduce their tax liability while building a secure retirement fund. With flexible contribution options and a wide range of investment choices, we help you set up a retirement plan that suits your financial goals, ensuring a steady income during retirement and compliance with the Pension Funds Act.

A Preservation Fund allows individuals who change jobs or leave a pension or provident fund to retain their savings in a tax-efficient vehicle until retirement. Unlike other withdrawal options, a preservation fund allows your money to continue growing, and you are allowed one withdrawal before retirement. This option is ideal for individuals who want to safeguard their retirement savings while preserving the tax benefits of the original fund. Our advisors can help you roll over your retirement savings into a preservation fund seamlessly.

A Living Annuity provides you with income during retirement, while the balance of your funds remains invested in the market. With a living annuity, you have the flexibility to choose the level of income you withdraw annually, subject to regulatory limits. This allows you to tailor your retirement income according to your needs and market conditions. In South Africa, living annuities are a popular option for retirees who want to maintain control over their retirement investments and income.