Slide HOLISTIC FINANCIAL PLANNING

YOUR FINANCIAL WELL-BEING
IN EXPERIENCED HANDS

Financial advice plays an important role in guiding you along the best path to achieve a broad range of financial goals. At Stocks + Wealth Financial Planning, we believe there are five factors that generally determine whether investments will perform in line with your expectations and objectives:

HANDELING YOUR
FINANCIAL NEEDS

The three most significant obstacles to investment expectations are costs, generic strategies and weak processes.

Every investor has a unique set of needs and requirements which require a holistic understanding and objective interpretation of their financial position and requirements.

WHAT WE DO FOR YOU:

  • First, we incorporate a trusted and tangible process which is followed from the outset of every meeting. This ensures you that you receive credible and personal advice.
  • Implementing bespoke professional strategies that ensure your investment goals are met.
  • Identifying, understanding and reducing complex, hidden and unnecessary costs.

By putting your needs at the forefront of our business we construct and optimise intelligent investment plans that potentially reverse the effects of money lost and secure your investment goals and family’s retirement.

Recurring charges levied on assets under management are borne by individual investors in the form of lower benefits at retirement:

0 %
LOST TO FEES
R 0
RETURN*
0%
FEE
0 %
LOST TO FEES
R 0
RETURN*
1%
FEE
0 %
LOST TO FEES
R 0
RETURN*
2%
FEE
0 %
LOST TO FEES
R 0
RETURN*
3%
FEE
0 %
LOST TO FEES
R 0
RETURN*
4%
FEE
0 %
LOST TO FEES
R 0
RETURN*
5%
FEE

*Accumulation in real terms of contributions of R 1 000 per month, assumed to increase by 6% per annum, totallying R1 857 144 after 40 years, and assuming investment growth of CPI+5% per annum.

“A regular saver who reduces the charges on his retirement account from 2.5% of assets each year to 0.5% of assets annually would receive a benefit 60% greater at retirement after 40 years, all else being equal. For someone who is a member of a preservation fund for 30 years this increases to 80%.”

SOURCE: NATIONAL TREASURY, CHARGES IN SOUTH AFRICAN RETIREMENT FUNDS, JULY 2013