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OUR CLIENTS

Our clients are South African individuals, families and companies who are trying to provide for their financial wellbeing. They are searching for clarity and peace of mind, trying to make sound financial decisions whilst navigating the many challenges in a country which is steeped in uncertainty.

The current climate of uncertainty fosters distrust and emotional decision making. This is where we come in to assist our clientele, helping them to find answers and solutions to the following questions and many more.

Will I have enough money saved for retirement in a country with no social benefit structure?
Q1
Q2
How much capital is required to provide for our retirement? Where are we at now? Can we fix it in time?
Q1
Will I have enough money saved for retirement in a country with no social benefit structure?
Q2
How do we know how much capital is required to provide for our retirement? Where are we at now? Can we fix it in time?
What effect will tax have on the income we require at retirement?
Q3
Q4
How do I calculate how many years my pension will last me?
Q3
What effect will tax have on the income we require at retirement?
Q4
How do I calculate how many years my pension will last me?
Are we aware of potential threats to our retirement savings? For example stock market corrections, currency depreciation, low economic growth and political interference ie. prescription of assets.
Q5
Q6
Are my spouse and I disciplined and knowledgeable enough to make correct financial decisions without the help of qualified professionals?
Q5

Are we aware of potential threats to our retirement savings? For example stock market corrections, stock market crashes, currency depreciation, low economic growth and political interference ie. prescription of assets.
Q6

Are my spouse and I disciplined and knowledgeable enough to make correct financial decisions without the help of qualified professionals?
Would I be better off transferring my savings offshore?
Q7
Q8
What process do I follow to begin investing offshore?
Q7
Would I be better off transferring my savings offshore?
Q8
What process do I follow to begin investing offshore?
Do I know what the Effective Annual Cost (EAC), Reduction in Yield (RIY) and the Total Expense Ratio (TER) of my investments are?
Q9
Q10
Do I even know what that means?
Q9
Do I know what the effective annual cost of my investments are?
Q10
Do I even know what question 9 means?
Am I aware that investments marketed by insurance companies promising paybacks and boosters can erode your savings by up to 6.64% over a five year period?
Q11
Q12
Do I fully understand the difference between active, passive, index and ETF (Exchange Traded Funds) funds and each of their inherent risks?
Q11

Am I aware that retirement investments under insurance companies that promise paybacks and boosters that can cost up to as much as 16% in year one and on average 6,64 over the first five years?
Q12

Do I fully understand the difference between active and passively managed investments like index funds and ETFs and each respective approach’s inherent risks?
Do I understand the inherent risk in offshore funds and terms such as “sharpe ratios”, “tracking error”, “alpha” and “beta”?
Q13
Q14
Do commodities have a place in my portfolio?
Q13
Do I understand the inherent risk in offshore funds and terms such as “sharpe ratios”, “tracking error”, “alpha” and “beta”?
Q14
Do commodities have a place in my portfolio?
Due to the low growth on the JSE and the changes to financial immigration, should I still be investing in retirement annuities limited by Section 28 of the Pension Fund Act?
Q15
Q16
If I am retrenched or I resign from my current employer, do I withdraw from my pension/provident fund and pay tax, transfer my funds and remain tax neutral, or remain in the existing fund?
Q15
Due to the low growth on the JSE and the changes to financial immigration, should I still be investing in retirement annuities limited by Section 28 of the Pension Fund Act?
Q16
If I am retrencthcend or I resign from my current employer, do I withdraw my pernion/provident and pay tax, transfer and remain tax neutral, or remain in the existing fund?

These are just a few of the many questions that we suggest should be clearly defined and answered before you invest your hard-earned money.

If you need help answering any of these questions, please contact Stocks + Wealth Financial Planning for assistance.