Personal Investment

Taking into consideration an individual client's goals and objectives, risk tolerance as well as his/her current exposure to each asset class; a tax efficient multi-fund and/or ETF investment solution will be structured with a great emphasis on maximising return per unit of risk.

6 INVESTMENT AREAS

  • Cash
  • Bonds
  • Property
  • Equities
  • Offshore
  • Hedge Funds

 Lump Sum Investments: Invest a lump sum amount in a direct unit trust on a linked platform offering convenient switching and the ability to seize investment opportunities.

 Recurring Contribution Investments: Invest a monthly amount in a direct unit trust on a linked platform offering convenient switching and the ability to seize investment opportunities. Also enjoy the benefits of Rand-Cost Averaging in a falling market.

Endowments: Often offer access to a wider selection of funds. Locked in for five years, but offer the additional beenfit of tax efficiency for high tax payers. Switching within the endowment is also very easy to do. This vehicle is also used to secure loans and minimise executor's fees on death.  

Second Hand Endowments Offer the same tax efficeint benefits within the wrapper as a First Hand Endowment (mentioned above), but holders may make regular withdrawals and will be liable to pay CGT upon each withdrawal. This vehicle is also used to minimise executor's fees on death .

Voluntary Purchase Annuities: A voluntary lump sum is invested from which a monthly income is paid. Only the interest element of the income is taxable. This vehicle is also used to minimise executor's fees on death

Retirement Annuities: A personal pension fund with tax efficient benefits uipon both contribution and retirement. Funds are not accessible until minimum retirement age 55. This vehicle is also used to minimise executor's fees on death

 Compulsory Purchase Annuities:  Purcahsed with the proceeds of a pension funds or retiremennt annuity.. Pays out a monthly income. that can be taken in many different scenarios. This vehicle is also used to minimise executor's fees on death