Financial Services

The financial services sector of the group and boasts a broad knowledge of the Life Assurance industry, pension and provident funds, medical aids, medical insurance and investments.

Our clients are attended to on an individual personalised basis, with emphasis on needs being met through the structuring of tax-efficient and cost effective portfolios. A strong team of dedicated and dynamic professionals assist our clients in the structuring of their personal portfolios and investments.

We have developed and implemented customised employee benefit programs for over 500 small to medium sized business enterprises across South Africa, keeping the employer, the employee and the legislation requirements more than adequately satisfied. Our belief in excellent service and above average returns to our clients will generate over R1.1 billion in matured funds from their premiums and investments!!

Personal Portfolio and Investments

We utilise state of the art technology to provide you with an unbiased, objective and easy to understand analysis of your personal policies and investments. We have access to top performing investments and products worldwide and will help you structure your portfolio according to your needs to ensure tax efficiency and optimum growth.

Capital invested is secure, protected and fully guaranteed by the various institution/s, trusts, brokers and fund managers as per current legislation and it will only be invested with institutions recognised and approved by the FSB (Financial Services Board).

For our international clients we only use funds that offer government backed investor protection unless instructed otherwise by the investor.

Employee benefit programs

Government is putting more and more pressure on the business sector to improve working conditions, to pay higher salaries & wages and provide employee benefits by passing various Acts to facilitate these changes i.e.

  • Labour Relations Act - November 1996
  • Basic Conditions of Employment Act - December 1996
  • Employment Equity Act - January 2000
  • Skills Development Act - May 2000
  • Policy Holder Protection Act - March 2001
  • Medical Aid Act & Amendments - March 2001 & December 2002
  • Domestic & Farm Labourers Act - April 2003
  • PPR & FAIS Bill - 2003 & 2004
  • Employee Benefits Act

We have taken this all into consideration and have developed various cost effective and tax efficient benefit programmes to provide for these envisaged legislation changes. We utilise various products ie: pension, provident, retirement or sinking funds etc ... depending on the needs and profile of your company.

Our innovative benefit programs have been implemented in over 500 companies in South Africa and offer:

  • Employer control
  • Flexibility
  • Inflation linked
  • Transferability
  • Life cover & Disability
  • Family funeral protection
  • Retirement provision
  • Conformity in principle to union and labour law requirements
  • No HIV testing or medicals. (Subject to certain limits)