Services
Wealth Management
We look at your particular financial situation from a holistic perspective, understand your unique situation and needs and develop an independent, tax efficient Wealth Management plan through appropriate investment solutions to help you achieve peace-of-mind for your objectives and future financial security; whether it be one or a combination of:
1. Wealth Creation | 2. Wealth Protection | 3. Income Generation
Direct Offshore Investments
We provide advice on HARD Currency investing. Direct offshore tailored to your needs – whether it being maintaining your Global Wealth Value or simply investing for your Child’s Offshore tertiary education.
Asset Swop Investments
For the smaller investor who wishes not to go through the regulatory process of sending funds offshore. We can provide advice on investing offshore indirectly via Asset Swop funds on the local platforms, we are affiliated with.
Why Offshore?
- Risk Diversification: Investing offshore can provide wider investment options in diversifying investment risk across different economic sectors (industries/companies) and geographical regions that are not available locally.
- Currency Risk: Offshore portfolios allow protection against weak and/or volatile currencies, as the investment is exposed to more than one country’s political and economic activity (locally and globally).
We offer Collective Investment Schemes (also known as Unit Trusts). Unit Trusts are professionally managed funds or investments that are pooled together in a mix on assets such as shares, bonds, property and cash.
Benefits:
- Asset Class Diversification
- Keeps up with inflation
- Flexibility
- Tax efficient
- One can benefit from the use of Endowments as the interest income is taxed by the Insurance Company at a flat rate of 30%. The perfect solution for Investors with marginal Tax Rates higher than 30%
- After-tax investments that hold underlying assets, if structured correctly, will be very advantageous from a tax perspective
- Usually five-year ‘Term’ investments and investors can either choose to access their monies at the end of the five year “Restriction Period” or continue the investment for another five years
Is effective for securing financial goals such as a deposit on a house and Education Plans for your children.
- The objective is to increase savings (over and above one’s retirement savings) and maximise the tax-free growth in one’s investment portfolio
- Individuals are allowed to contribute up to R33,000 per year or up to R2,750 per month with a maximum cap of R500 000 over one’s lifetime
- All proceeds earned on interest, dividends, and capital growth are tax-free (within the prescribed limits)
Benefits:
- One of the most tax efficient investment vehicles
- Offering the benefits of a multi-asset portfolio (including shares, bonds, property, and cash)
- No Dividend Taxes
- No Capital Gains Tax
- No Tax on Interest Income
- No Capital Gains Tax – on Death