“Helping you be and stay a confident investor”

It’s possible. Allow me to show you how.

In 4 steps . . .

My Services

         5 years and longer…

         You are eager to invest a lump sum because you:
         ● Want to boost your retirement savings
         ● Changed or are changing jobs and want to re-invest your provident or pension fund monies
         ● Received an inheritance
         ● Sold a business
         ● Recently divorced or are divorcing and want to invest your settlement monies
         ● Have cash in a bank account which you want to invest.

         OR

         ● You are eager to invest per month because you:
         ● Want to boost your retirement savings
         ● For a special goal

        ● Long-term investing focuses on Return of Investment.
        ● But your life happens right now.
        ● Therefore I challenge you to strive for and do more.
        ● To get the best possible Return on Life™ with the money you have.
        ● That should be the ultimate goal of your money – shouldn’t it?
        ● We’ll discuss 10 facets of life on which your money has an impact.
        ● Use the Return on Life™ worksheet to gauge your success.
        ● Then you decide how you want to invest your time and money to get the most life with the money you have.

         For existing clients:
         We face a different retirement reality than previous generations.
         Therefore we need to have a different conversation:
             ◦ The old one is mainly about money;
             ◦ The new one focuses on your goals, time and money.
         Your goals are crucial. Why? Because you have to retire to something, not from something.
         The new approach combines health, wealth, work and leisure.
           We’ll use specially designed worksheets. It helps you envision how your retirement will play out.
         Aim for the best retirement:
            ◦ Enough purpose to wake up in the morning and
            ◦ Enough money to sleep at night .

        For existing clients:
        ● Financial needs analysis
        ● Life, Disability, Critical illness cover
        ● Income protection
        ● Wills

Ideal Client

         ● and I can like, trust and respect each other.
         ● are willing and excited to share your unique story with me.
         ● have a positive outlook on life.
         ● are eager to learn and take action. 
         ● are ready to make financial changes. 
         ● are comfortable with the internet .
         ● are comfortable with my investment philosophy and process.
         ● are serious about long-term investing.

         ● accept life for granted.
         ● are self-entitled.
         ● are rude to or look down upon people. 
         ● believe in shortcuts to getting rich. 
         ● fixate on finding the next hot fund. 
         ● are more interested in accumulating stuff than experiences.
         ● want feed-back or look at your investment’s value every day.
         ● are a Do-It-Yourself (DIY) investor.

  

Product Range

         An investment which provides access to financial markets, local and foreign.

         You can invest directly in a unit trust.
         Or invest in a unit trust via one of the other investment products.

         A unit trust is split into equal portions called “units”.
         When you invest, you buy units in the unit trust of your choice.
         These units belong to you until you sell them.

         Your money is pooled with the money of other investors in the unit trust.
         Experienced investment managers use the pool of money to buy assets.
         Equities, bonds, cash and property, depending on the unit trust’s objective.

         The number of units you buy depends on:
         1. The amount of money you invest and,
         2. The price of the units on the day you buy them.

         The price of these units depends on the value of the assets.
         Daily priced because the value of the assets changes daily.

         Unit trusts make money for you in two ways:
         1. Capital growth: when the price of the assets increase
         2. Income: the underlying assets may earn interest or dividends.

         Benefits include:
         Experienced investment managers decide in which assets to invest.
         Diversify risk because you invest in a variety of assets.
         Transparency regarding fees and assets. 

         Safeguards:
         A trust holds your money. Not on the balance sheet of the unit trust company.
         An independent trustee looks after the assets of the unit trust.
         A mandate sets out the unit trust’s objectives and how it intends to invest.
         The trustee keeps an eye on the investment manager to stick to the mandate.
         The Collective Schemes Act governs unit trusts.

A unique retirement savings product.

It allows you to invest in unit trusts.

Ideal for the self-employed.
Ideal for an employee to boost his or her retirement savings.

You get tax benefits and protection, but it comes with restrictions.
Your contributions are tax-deductible, subject to limits.
The capital growth, interest and dividends earned are tax-free.

You may nominate beneficiaries. No estate duty payable.

Safeguards ensure you keep your investment for retirement.

Protected from potential creditors:
1. You cannot transfer or pledge your RA and,
2. You cannot use your RA to secure a loan.

Protected from yourself:
You may only access your money when you retire, earliest at age of 55.
Only one-third maximum available as cash.
Two-thirds must be used to purchase a product for a pension.

You may access your RA before 55 if:
You are permanently disabled
You emigrate

Indeed, a unique retirement savings product.

  A preservation fund may suit you if:
  1. You want to preserve your provident or pension retirement savings.
      Specifically when you change jobs, are retrenched or your employer closes shop;
  2. You receive a pension interest in a divorce order. 

  The transfer to the preservation fund is tax-free.
  This means you keep the tax benefits of the original fund.

  It makes sense to preserve. Compared to taking a cash payout.
  A payout causes much harm to your retirement savings. 
  Not only will you have to start over.
  Also, you will miss out on the full power of compounding growth.
  Further, the cash payout reduces your tax-free benefit at retirement.

  A preservation fund allows you to invest in unit trusts.

  You may nominate beneficiaries. No estate duty payable.

  Protected from potential creditors:
  You cannot transfer or pledge your preservation and,  
  You cannot use your preservation fund to secure a loan.

  You may make one withdrawal before retirement.

  There are two types of preservation funds:
  Provident and pension preservation funds.

  A difference is how much cash you may take when you retire, after age 55.

  Provident preservation fund:
  You may take your total benefit as cash.
  If you take a part, the rest must be used to purchase a product for a pension.

  Pension preservation fund:
  You may take a maximum one-third in cash.
  The rest must be used to purchase a product for a pension.

  The rules of your original fund determine your access.
  Before and at retirement.

  You may access your preservation fund before 55 if:
  You are permanently disabled
  You emigrate

  Again, the transfer is tax-free and it makes sense to preserve for further growth.   

A Tax-free investment, as the name implies, offers tax benefits:

You do pay tax on the returns.
The interest, capital gains and dividends you earn are tax-free.

But, there are restrictions on how much you may invest:
The maximum limit per tax year is currently R 36 000.
The lifetime maximum limit is R 500 000.

SARS will levy a 40% penalty on the amount exceeding the limits.
A withdrawal from your investment does not increase your contribution limits.

May suit you if:
You want to invest for the long term, or
Paying income or capital gains tax on your existing investments.

The Tax-free investment which I support is an investment policy.
Issued within the framework of the Long-term Insurance and Income Tax Acts.

A useful product for estate planning purposes.
You may nominate one or more beneficiaries.
Your investment can be paid to your beneficiaries immediately.
There are no executor fees.
Included in your estate for the calculation of estate duty.

May not suit you if:
You are not paying tax on your existing investments, or
You are not investing for the long term.
Then a Tax-free investment may not provide significant tax benefits.

You may not take out a loan from or cede your Tax-Free Investment.

A living annuity provides you with an income during retirement.

You may invest money from a retirement fund or another living annuity.

Warning: a living annuity is a flexible product, but comes with risks.

Your living annuity allows you to control your investment.
And it provides flexibility. Why? Read on.

It allows you to invest in unit trusts. You choose the composition of your living annuity.

You choose your income. Minimum 2.5%, maximum 17.5%.
Your income is paid monthly, quarterly, half-yearly or yearly. You choose the frequency.
You can change your income once a year on your living annuity’s anniversary date. Same for the frequency.

You can nominate beneficiaries.
Money left in your living annuity when you die can be paid immediately.
No need to wait for your estate to be wound up.

Reasons a living annuity may not be suitable for you:
Your income is not guaranteed for the rest of your life. Why not?
Because it depends on your investment value and the return you earn.
If you withdraw too high an income, your investment might not last.
You take on the investment risk. Your investment may not perform as you expect.
The investment value may drop. Forcing you to draw a lower income than you would like.
Investment performance fluctuates over the short to medium term.

An endowment is an investment policy.

It offers you tax benefits. But, there are restrictions on withdrawals.

May suit you if:
you are a long-term investor with a marginal income tax rate higher than 30%.

The income tax rate in an endowment is fixed at 30%.
Benefit: your returns will be taxed at a lower rate.

Are your income taxed at less than 30% ?
Then you will be taxed more in an endowment than in a plain unit trust investment.

A useful product for estate planning.
Your beneficiaries can receive your investment directly.
No executor’s fees.

During the first 5 years you may make one withdrawal.
The size of this withdrawal may be limited depending on the growth of the investment during this five-year term.
Similar five-year terms may apply depending on the size of your contributions each year.

When you are not in such a five-year term, you may withdraw from your investment at any time.
Or you may schedule regular  withdrawals.

My Fees

         I am flexible towards fees and prefer to co-create fees with my clients.
         You have options. Below are my guidelines.
         For financial advice and services:

         Initial fees:
         1st option:
         ● you and I agree on a fee;
         ● deducted as a percentage from your investment.
         2nd option:
         ●  you and I agree on the amount;
         ●  I invoice you;
         ● you pay Accredinet before the investment is made.
          All fees excludes VAT  

         Annual fees:
         1st option:
         ● 0.7%, 0.5%, 0.25% or 0% of your fund’s value
         ● Deducted from your investment per month.
         All fees excludes VAT
         2nd option:
         ●  you and I agree on the amount;
         ●  I invoice you;
         ● you pay Accredinet
         All fees excludes VAT

         I am flexible towards fees and prefer to co-create fees with my clients.
         You have options. Below are my guidelines: 

         1st option:
         ● initial and second year commission and on-going commission

         2nd option:
         ● you and I agree on a fee;
         ● I invoice you;
         ● you pay Accredinet an initial fee before application;
         ● no on-going commission.
         All fees excludes VAT

         I am flexible towards fees and prefer to co-create fees with my clients. Below are my guidelines:     

         ● you and I agree on the amount based on R 1 500 per hour;
         ● I invoice you;
         ● you pay Accredinet.
         All fees excludes VAT

If you're a serious long-term investor, get in touch, give it a go…

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I'm ready to help you be and stay a confident investor