What we help with

Invest

Build towards what matters to you

Whether you’re building an emergency fund, planning for your child’s education, investing offshore or preparing for retirement, the right investment starts with the life it needs to support.

We start with your goals, time horizon, comfort with risk and the other decisions in your financial life. We then recommend an investment approach suited to your needs and review it as your circumstances change. This helps each investment work as part of your wider plan, not as a decision on its own.

Ways we can help

Retirement annuity

Build long-term retirement savings in a tax-efficient investment. Access is generally available from age 55, subject to retirement-fund rules.

Endowment

A tax-efficient investment structure that may suit higher-income investors and trusts. We’ll help you assess whether its tax treatment, access rules and investment term suit your circumstances.

Unit trusts

A flexible way to invest for goals such as education, a future purchase or long-term wealth. You can generally add to or withdraw from the investment, subject to the underlying fund and platform rules.

Offshore investments

Diversify your investments across geographies, global companies, and currencies. We’ll help you decide how offshore exposure fits into your wider portfolio and whether to invest in rand or foreign currency.

Investment partners

We consider investment options from a range of established providers before recommending what suits your plan.

Start with the goal, not the product

An investment structure is only useful when it suits what you are trying to achieve. We help you connect the investment choice to the goal, time available, access you may need, tax considerations and the level of risk you are comfortable taking.

Emergency savings

Build an accessible reserve for unexpected costs or a temporary loss of income, so a short-term setback does not automatically disrupt longer-term plans.

Education and family goals

Invest towards education costs, a future purchase or another goal that matters to you and your family.

Preparing for retirement

Bring retirement annuities and other investments into a wider retirement plan based on the income, flexibility and future choices you may need.

Investing offshore

Consider how exposure to different countries, currencies and companies can form part of your overall investment approach.

Reviewing what you already have

Check whether your investments, contribution levels, time horizons and underlying strategy still support your current goals.

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