Pension Fund and Provident Funds

Our advice process with regards to Employee Company Benefit Schemes is twofold:

  • We can provide any company on request with invaluable detailed cost/benefit analyses with comparative funds. We are then able to provide optimized solutions to reduce the fund’s costs, improve fund returns and improve the reporting and user experience.
  • After consulting with the relevant stakeholders we can design and implement a brand new pension or provident umbrella fund for a company of any size.

 Stocks + Wealth Financial Planning: Advice Process 

What you can expect from us:

  • We will provide the employee with general advice in relation to the employee benefits offered by the Employer, which advice shall extend to legal requirements and implications.
  • We will review the benefit structure of the fund in order to establish whether it meets the requirements and objectives of the members, their dependents and the employer.
  • We will act as a liaison between the employer and the administrator of the Fund.
  • We ensure that the employer’s selected investment allocation consistently complies with all legislative requirements.
  • We provide advice to members and the employer on anticipated and enacted amendments to retirement fund, social security and income tax legislation which may affect the fund and other employee benefits.
  • We can offer advice to members in relation to the options available to them on termination of employment and/or retirement.
  • We provide general technical advice and assist in obtaining legal opinions on matters relating to the fund and its related benefits.

How our advice benefits you:

  • Our low administrative costs result in higher returns for your company’s fund.
  • Our access to South Africa’s leading investment funds including Sygnia Asset Managers and Allan Gray results in comparatively higher returns for your company’s fund.
  • Your members have recourse to ongoing legal investment advice as and when they need it.
  • We offer further advice and analyses of personal investments.
  • We provide an attentive and responsive service as outlined in service level agreement

Risk Benefits

Risk Benefit Options

  • Approved or unapproved risk benefits
  • Customised benefit level


  • Lump Sum Death Benefit
  • Disability Income Benefit
  • Lump Sum Disability Benefit
  • Dread Disease Benefit
  • Funeral Benefit​

Insurer Options


  • Assupol
  • BrightRock
  • Capital Alliance
  • Discovery
  • Hollard
  • Key Risk
  • MMI
  • Old Mutual
  • Sanlam
  • TSA

How many millionaires do you know who have become wealthy by investing in savings accounts?

- Robert G Allan