Investment Planning
TO BUILD & PROTECT WEALTH REQUIRES
A LONG-TERM INVESTMENT STRATEGY
DISCOVER
THE POWER OF AN ACTIVELY MANAGED INVESTMENT PORTFOLIO
We offer advice on the following investment products:
At Brenthurst Wealth, our team of highly-qualified investment advisors is dedicated to providing clients with sound and impartial investment advice tailored to their unique financial circumstances.
Our approach begins with an initial meeting to understand the client’s specific financial needs, objectives, and risk tolerance. Following this, we develop a comprehensive financial plan, presenting a personalized investment strategy designed to achieve the client’s goals.
Once the initial investment is made, we actively manage the client’s portfolio, adapting to changing market conditions to optimize performance. We ensure clients are well-informed through regular communication, including weekly and monthly market reports and portfolio valuations. Additionally, clients are invited to our quarterly investment seminars and webinars, offering valuable insights and updates.
READ SOME OF OUR RECENT INVESTMENT PLANNING ARTICLES
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RETIREMENT ANNUITIES
RA are a great way to save for retirement in a tax-efficient manner. The RA can help you supplement your future capital at retirement whilst reducing your taxable income today. You won’t be able to access these funds until you reach the age of 55, and when you want to retire you will then be obligated to transfer at least two-thirds to a living annuity for income purposes, (unless it’s under a certain amount). Other restrictions also apply to the underlying investments – called Regulation 28 -and your adviser will need to assist you in choosing the correct funds to adhere to these rules. RA’s are a must for individuals who do not receive a pension or provident fund from their employers, or if you happen to receive additional income (such as rental on a property) and want to reduce your taxable income.
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PRESERVATION FUNDS
Preservation Funds were introduced to the industry to allow members of occupational funds (pension and provident funds) to “preserve” their benefits in another type of retirement vehicles until they reach their age of retirement in the event of retrenchment, resignation or dismissal. The two main benefits of using a preservation fund are the deferral of taxation and the conservation of one’s retirement benefits, with the option to withdraw prior to retirement. Withdrawal of one’s benefits before retirement should be carefully considered as pre-retirement taxation rules would apply. We recommend the assistance of a financial planner, when attempting to withdraw from a preservation fund. This is of utmost importance in order to ensure optimal utilisation of tax free allowances.
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LIVING ANNUITIES
This retirement product allows for a tax-neutral transfer from any approved pension, provident and preservation fund or retirement annuity and requires that the investor withdraw a monthly income between 2,5% and 17,5% per year. Living Annuities can be invested as aggressively or as conservatively as the investor chooses, as long as income requirements have been weighed carefully against potential risks. In other words, no regulations are imposed, such as the case with RA’s and Preservation funds. The benefit of a living annuity over a guaranteed pension is as the name implies, it “lives on” for the investor’s nominated beneficiaries to either draw an income from or can be taken as a cash lump sum, keeping in mind that it would form part of their taxable income. It is also worth mentioning that Living Annuities are exempt from estate duty.
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DISCRETIONARY INVESTMENTS
A major part of what we do at Brenthurst is helping our clients decide where to invest their retirement money, but what about the other money? This is what we refer to as “discretionary” investments and could be used for anything from children’s education -to- holidays – to – supplementing retirement funds. This investment will be made with after-tax money and remains fully liquid so that the funds may be redeemed whenever the need arises. Complete discretion can be used, in other words, it can be a “low risk with low expected return” with a more short term nature, such as the purchase of a house over the next year. Or it can be invested more aggressively for the long term, such as for a child’s future use. Discretionary investments can be either local or offshore, within the appropriate limits.
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OFFSHORE INVESTMENTS
We assist clients in taking part of their discretionary money offshore for diversification purposes due to the fact that we believe there to be more investment opportunities in global markets than can be found locally. Selecting the appropriate investment opportunities from such a wide universe of options requires a great deal of research and expertise, and there can be a substantially greater risk involved, and therefore may not be suitable for every investor.
CALL US NOW TO DISCUSS YOUR INVESTMENT STRATEGY.
FIRST CONSULTATION IS FREE
Brenthurst Wealth Management (Pty) Ltd is a licensed Financial Services Provider (FSP), in terms of the Financial Advisory and Intermediary Services Act (“FAIS”) with licence number 7833. A copy of the licence is available upon request and is also clearly displayed at all of our branches nationwide. CLICK HERE TO FIND A BRANCH CLOSE TO YOU
JOHANNESBURG
FOURWAYS
+27 (0)11 799 8100
Unit 2B
Cedar Office Estate
Cedar Road & Stinkwood Close
Fourways
JOHANNESBURG
SANDTON
+27 (0)10 035 1391
Suite 31, Second Floor
Daisy Street Office Park
135 Daisy Street
Sandton
PRETORIA
ERASMUSKLOOF
+27 (0)12 347 8240
Block E
Castle Walk Corporate Park,
Cnr Nossob & Swakop Street
Pretoria
CAPE TOWN
GRANGER BAY
+27 (0)21 418 1236
The Waterclub
Nautica Building
Beach Road
Granger Bay
CAPE TOWN
CLAREMONT
+27 (0)21 100 3901
Suite 518
Protea Place
40 Dreyer Street
Claremont
BELLVILLE
TYGER VALLEY
+27 (0)21 914 9646
Waterfront Terraces 2
Tyger Waterfront
3 Waterfront Road
Bellville
Stellenbosch
CENTRAL
+27 (0)21 882 8706
Unit 3
La Gratitude
97 Dorp Street
Stellenbosch
Paarl
VAL DE VIE
+27 (0)21 100 3901
Polo Village Office A309
Val de Vie Boulevard
Val de Vie Estate
Paarl
Garden Route
GEORGE
+27 (0) 44 050 6057
Collett Square
32 York Street
George Central
Garden Route
Mauritius - SOUTH
BLACK RIVER
+230 484 2175
+230 5843 5215
La Balise Business Park
Office Block B, A3 Royal Road
Grande Rivière Noire,
Mauritius, 90601
Mauritius - NORTH
GRAND BAIE
+230 260 1738
+230 5843 5215
Suite 005
Grand Baie Business Park
Grand Baie
Mauritius, 30515
BRENTHURST SATELLITE OFFICES
- KWAZULU -NATAL: Arin Ruttenberg | +27 84 582 8581
- FREE STATE: Iniel Van Zyl | +27 72 298 3212
- MPUMALANGA: Marise Smit | +27 72 795 3604
- NORTH WEST: Maria Smit | +27 79 696 6860
Brenthurst Wealth Management (Pty) Ltd is an authorised FSP in terms of the FAIS Act, 2002 (FSP No 7833) © 2022 Brenthurst Wealth Management. All rights reserved.
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MARIA is a CERTIFIED FINANCIAL PLANNER®️ professional, a member of the Financial Planning Institute of SA and is fully qualified to give advice on all investment matters.
Anelle joined Brenthurst Wealth as a Receptionist and Administrative Assistant to Brian Butchart in the Cape Town office in December 2023. She has a wealth of knowledge from working as a liaison between Financial Advisers and clients at TMA and Absa Investment Management Services (Aims) since 1998. She obtained her B. com degree from the University of Port Elizabeth in 1997.
René Heystek joined Brenthurst Wealth in November 2023, as receptionist and administrative assistant in the newly established George/Garden Route office.
Sanet was appointed in April 2020, joining our Cape Town team as an Executive Administration Assistant to Renee Eagar. She has been in the financial services industry since 1990. Her previous experience includes positions at Sanlam, BJM and ABSA. She spent her last 12 years working at Alexander Forbes Private Client Wealth as a Senior Wealth Management Assistant. She has received numerous accolades over the years which include but not limited to, Alexander Forbes Client Service Excellence – Silver award in 2014,2015 and 2017. Sanet has also obtained her Certificate in Wealth Management (NQF 5) in 2012 and achieved “Best Student of the Year” from Moonstone.
ADMITTED ATTORNEY | FINANCIAL PLANNER & HEAD OF BRENTHURST FOURWAYS
