individual financial solutions
Investments
Let us take the stress of investment management away from you. Furthermore, we can structure your investments specific to your personality, beliefs, and priorities.
Above all, we are constant investors and not speculators. We base our investment advice on real facts and research. Hence, we do not make risky predictions of the future. So, let’s help you invest now to have enough growth for yourself and future generations.
How we invest
Our brand name is associated with Shariah Compliant Investing (SCI), Socially Responsible Investing (SRI), and Environmental Social & Governance Investing (ESG). We also have our unique investment boutique serviced by an industry-leading financial institution. In addition, we have access to a comprehensive range of investment products. These include unit trusts, retirement annuities, and preservation funds.
Our capability
- Discretionary / Non-Discretionary Managed Portfolios (SHARES, ETFS, Unit Trust)
- Advisory Portfolios (SHARES, ETFS, Unit Trust)
- Unit Trust (Local, Global)
- Investment Boutiques (Shares, ETF and unit trust)
- Tax Free Investments
- Retirement Annuities & Preservation Funds
- Independent review of portfolio strategy, mix, returns, and cost
- Particular monitoring the returns and cost
- Similarly monitoring of shariah compliance
More Services
Our latest newsletter
View our April 2020 market commentary. An easy to read brochure focusing on market performance and a comparative investment returns for the period from January 2020 to end April 2020.
More Services
Our latest newsletter
View our April 2020 market commentary. An easy to read brochure focusing on market performance and a comparative investment returns for the period from January 2020 to end April 2020.
Financial Planning
Currently, there are many options on financial products with various levels of risk and returns thus making it impossible for a person to make the right choice at a specific stage in their lives. So, let us use our knowledge, skill and experience to recommend the best financial plan to meet YOUR needs, personality, and beliefs to ensure you and your family’s security is met.
Objective Planning
We believe in providing transparent financial planning based on sound values to meet your needs. Therefore, preparing and securing your family’s future. We’ll work with you to plan your financial objectives by considering all factors. This includes investing and insuring you against risk. So, let’s help you save first before spending. Need that family holiday? Start planning today.
Our Capability
- Budgeting, Savings and Debt management
- Financial Coaching
- Needs analysis and goal-based financial planning
- Tax advisory (Individual only)
- Retirement planning
- Wills & Estates
- Loan finance deals – cars, property purchases, trade finance
- Takaful insurance
Zakaah advice and calculations - Shariah-compliant business practice including focusing on Credit interest
- Conversions from conventional products to shariah products
Wills and Estate Planning
Protect your legacy
Nobody knows the future, however its a fact that winding up your estate is a lengthy and expensive process. The expenses include Executor fees, Trust fees, Conveyance Fees, Capital Gains Tax, Correspondence fees, Clearance Fees, Masters fees, and Admin fees. Therefore, we've partnered with Capital Legacy to find solutions to cover all the expenses and provide a cash benefit upfront. A small monthly premium now will help your loved ones during a challenging time in future. We do not charge for consultations and we come out to you.
Lets put this into perspective. An Executor can charge a fee up to 3.5% of the Estate value. Should you have an estate of R 1 million, the Executor fee can be R 35,000. Depending on your age and the value of your Estate, a monthly premium of less than R 115 per month can cover all legal expenses, including the Executor fee and provide an immediate cash benefit.
Reasons to have a 'Will' in place!
You decide who inherits from your estate based on your beliefs. Without a will you forfeit who inherits what.
A Will and Estate plan can ensure your partner is not burdened by estate expenses and inherits according to your Will.
Your Children’s inheritance could pass to the Government Guardian’s Fund or appointed Guardian rather than to a Trust that will ensure your wishes for them are carried out.
Family feuds often occur when family members argue over the distribution of your Estate when final wishes are not clearly documented in a Will.
Winding up your Estate can take years – without a Will appointing a professional Executor, the government is essentially in control of the process.
How we work with you
We connect with you
First of all, we meet with you to understand your needs and objectives
Then we plan
Then we create a plan taking into account your personality and beliefs
Then we execute
We execute the plan, monitor, and feedback to you. Letting you focus on the things you enjoy.
We partner with industry-leading investment houses to ensure you get high performing secure investment products.
