It is a world wide problem that most people do not
have enough income at retirment to sustain their
current standards of living.
There are a number of affordable products that aim
to make provision for retirment while at the same time
offering great tax insentives.
Unit Trust and ETF Investments
This is a long term savings plan that
historicaly produces good returns
over a longer term.
Contrabutions are normaly made on a
monthley basis but can also be made as
a lump sum.
Each Investment company offers a range of
portfolios to cater for individual risk profiles.
Section 12 j Invetments
Section 12 J of the income tax Act allows
individuals to invest into a venture capital funds.
This is a lump sum investment that may not exceed
R2.5 million rand per tax payer.
The investment offers a 45% tax credit based on the
Historicaly this type of investment yeilds good returns
over the 5 year investment term.
Investment amounts vary from fund tofund but generaly
are from R100000 as a minimum.
Paticapation Mortage Bonds (Partbond)
The Partbond is a product that offers a superior interest rate with captial 100% gaurenteed.
The investment is idealy suited to a person who needs their
interest paid out to them on a monthly basis.
The investment however does offer the facility to recapilize the inerest or portion thereof.
The investment period is done for 5 years at a time.
Investments are only done as a lump sum from R5000.
Tax Free Savings
We offer a range of products that are aimed at compulsary savings plans, some of which have a prescribed term of 5 years while others have no fixed term.
All can be started with a monthly contrabution from only R500.
Lump Sum investments can also be done with a minimum amount of R1000.
The information on this page does not in any way paport to give advice and is for information purposes only.
In order to determine the suitablity of products , please click on the contact tab at the top of this page to book an appointment.
We are a Registered Financial Service Provider under License FSP:11871
In termsof Law,our conflict of Interest Policy as well as our dispute resolution policy may be viewed or downloaded by clicking on the links below