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STRATEGIC
INVESTMENT PLANING

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:

1

PLAN

2

TIME

3

COSTS

4

YIELD

5

DRAWDOWN

1

PLAN

2

TIME

3

COSTS

4

YIELD

5

DRAWDOWN

THE OBSTACLES TO INVESTORS

Poorly conceived, defined, and generic investment plans which result in 80 % of investors experiencing:

  • Retirement savings that fall short of expectations
  • High broker and investment costs that erode hard earned savings
  • Low investment returns
  • A cycle of churning policies, that repeats a vicious cycle

OUR CHALLENGE

  • To align our clients expectations, and investments with their objectives and risk tolerance
  • To strip away jargon and simplify the complex
  • Provide complete assurance and peace of mind
  • To set our clients on the path to financial freedom
WHAT WE OFFER:


  • Bespoke, expertly crafted analysis for our clients that result in clearly defined objectives
  • Strategic investment plans to meet our client’s defined objectives both before and during their retirement years
  • Cost analysis of existing and proposed portfolios that eliminate unwarranted costs and put more money back in our clients pockets
  • Tax and estate planning advice to manage investment and situs tax both locally and internationally
  • A collaborative partnership that enables us to pilot you to prosperity

THE OBSTACLES
TO INVESTORS

Poorly conceived, defined, and generic investment plans which result in 80 % of investors experiencing:

  • Retirement savings that fall short of expectations
  • High broker and investment costs that erode hard earned savings
  • Low investment returns
  • A cycle of churning policies, that repeats a vicious cycle

OUR CHALLENGE

  • To align our clients expectations, and investments with their objectives and risk tolerance
  • To strip away jargon and simplify the complex
  • Provide complete assurance and peace of mind
  • To set our clients on the path to financial freedom

WHAT WE OFFER:

  • Bespoke, expertly crafted analysis for our clients that result in clearly defined objectives
  • Strategic investment plans to meet our client’s defined objectives both before and during their retirement years
  • Cost analysis of existing and proposed portfolios that eliminate unwarranted costs and put more money back in our clients pockets
  • Tax and estate planning advice to manage investment and situs tax both locally and internationally
  • A collaborative partnership that enables us to pilot you to prosperity
 

The  infographic below illustrates the impact that costs have on your investment.

Unwarranted costs levied on your investments mean you retire with less money and have less money to live on in retirement. An investor who pays 2,5%pa in total fees over a 40 year period would increase their investment benefit by 12% for every 0,5% reduction in fees

0 %
LOST TO FEES
R 0
RETURN*
0%
FEE
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LOST TO FEES
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RETURN*
1%
FEE
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LOST TO FEES
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Recurring charges levied on assets under management are borne by individual investors in the form of lower benefits at retirement:

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

Accumulation in real terms of contributions of R1000 per month increasing
by 6%pa totally R 1587 144 after 40 years at a yield of CPI plus 5%.

Source – National Treasury, Charges in Southern African Retirement Funds July 2013

*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