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Local and global investment platforms

Our bespoke investment platform offers advisors and investors a flexible, technology‑enabled way to access and manage a wide range of investment solutions through a single, integrated administrative framework. Built to simplify complexity, the platform brings reporting, administration, and portfolio oversight into one consolidated environment, enabling advisors to design tailored portfolios aligned to each client’s goals.

Benefits

For financial advisors

Greater operational efficiency, reduced administrative burden, and more time to focus on meaningful advice rather than execution. The platform supports scalability, consistency, and easy access to both local and global investment opportunities, empowering advisors to deliver a more robust and efficient experience.

Benefits

For clients, through a financial advisor

A streamlined administrative experience, transparent reporting, and enhanced visibility across multiple investment strategies. Clients enjoy a clearer view of their portfolios and the confidence that comes with centralised oversight.

Investment plan options

Comprehensive investment solutions tailored to meet diverse client needs, from short-term flexibility to long-term wealth planning.

1

Investment

Our SA Investment Plan is a flexible, investment solution that gives advisors full freedom to tailor portfolios to a wide range of client needs – from short-term liquidity to long-term capital growth. Clients can invest across the full range of local CAM funds, including a curated selection of South African funds and ETFs from other managers, all within one platform.

Why advisors use it

This plan offers complete flexibility: there is no minimum or maximum term, you may end your plan at any time without penalty and withdrawal timing is determined only by the liquidity of the chosen fund. Advisors can adapt portfolios quickly to client cash-flow requirements, life-stage changes, or market shifts. Tax treatment is simple and familiar, with income, dividends, and capital gains taxed at the client’s applicable rate.

Ideal for:

  • Lump sum or recurring investments
  • Trusts and corporate investors requiring flexibility
  • Clients prioritising access, simplicity, and control
2

Endowment

Our Local Endowment or Sinking Fund is a long-term investment policy that offers tax efficiency and strong estate planning benefits. It is particularly suitable for high-income earners or trusts taxed at higher marginal rates.

Advisors should note the five-year restriction period and the institutional offshore exposure cap (currently 45%).

Why advisors use it

Tax is paid by the life company inside the policy at the rate of 30% (for individuals and trusts). A beneficiary nomination allows proceeds to pass directly to nominated beneficiaries, outside the estate administration process. Advisors should note the five year restriction period.

Ideal for:

  • Long-term discretionary savings
  • Individuals and trusts seeking tax efficiency
  • Intergenerational wealth planning
3

Tax Free Investment

Our Tax-Free Investment allows clients to invest with no tax on income, dividends, or capital gains, making it a compelling long-term savings vehicle, especially for younger investors.

Why advisors use it

Clients can contribute up to R46,000 per year (lifetime cap R500,000). Staying within limits is essential to avoid penalties, making advisor guidance critical. The investment universe includes CAM SA funds and selected third-party SA funds and ETFs, excluding performance fee structures.

Ideal for:

  • Investors of any age or stage, starting earlier compounds the advantage
  • Long-term goals such as education or wealth building
  • The foundation of long-term discretionary savings
4

Retirement Annuity

Our Retirement Annuity fund helps clients build retirement capital tax efficiently. Income and capital gains within the fund are not taxed, enabling optimal compounding. Contributions are tax-deductible subject to limits.

Why advisors use it

Funds are only accessible from age 55 (with limited exceptions), instilling disciplined saving. The savings component can be accessed once per tax year. All investments must comply with Regulation 28, ensuring appropriate diversification. Advisors can build aligned, risk-appropriate portfolios across local and global CAM funds and selected third-party options.

Ideal for:

  • Tax-efficient investment for retirement income needs
  • Higher-income earners, who gain the most from the contribution deduction
  • Clients seeking tax-efficient growth within a regulated, diversified structure
5

Preservation

Our Pension Preservation Fund and Provident Preservation Funds allow clients leaving employment to preserve accumulated retirement savings without triggering tax, income and capital gains remain untaxed within the fund.

Why advisors use it

Most of the investment can only be accessed after retirement, which may not be before 55. There are some exceptions, for example, the one withdrawal from the vested component. Clients may access the value in the savings component once per tax year. No further contributions are permitted, reinforcing the product’s role as a preservation tool. All portfolios must remain Regulation 28 compliant.

Ideal for:

  • Protecting retirement capital when changing jobs
  • Maintaining long-term retirement strategy continuity
  • Clients who want to defer the annuitisation and tax decision to retirement
6

Living Annuity

Our Investment Linked Living Annuity allows clients to draw an income post-retirement from their retirement fund savings. The value of the Living Annuity is linked to the value of the selected underlying investments. Withdrawals are taxed at the client’s marginal rate; growth within the portfolio remains untaxed.

Why advisors use it

Clients can adjust their income annually within regulated limits, requiring thoughtful planning. Advisors can build diversified portfolios across local and global CAM funds. This structure supports income stability, capital growth, and legacy planning.

Ideal for:

  • Retirees who want a regular, flexible income in retirement
  • Clients balancing the income they take today against making their capital last
  • Flexible, advisor managed drawdown strategies
  • Well-funded retirees who want to leave remaining capital to their beneficiaries
1

Investment

Our International Investment Plan provides clients with direct offshore exposure through the full range of global CAM funds and a broad menu of global funds and ETFs from other managers. Contributions can be made in USD, EUR, or GBP, using either the single discretionary allowance or foreign investment allowance.

Why advisors use it

It enables globally diversified portfolios without restrictions, withdrawals simply follow the liquidity of the underlying investment. Clients are taxed on income, dividends, and capital gains at their applicable rate, keeping outcomes transparent. This structure also aligns with exchange control rules while allowing meaningful offshore diversification.

Ideal for:

  • Rand hedging needs
  • Clients with offshore spending requirements or future liabilities
  • Consolidating global investments onto one reporting platform
2

International Investment Policy

Our International Investment Policy offers tax‑efficient offshore investing in USD, EUR, or GBP. It combines global diversification with estate‑planning advantages.

Why advisors use it

Tax is paid by the life company inside the policy at the rate of 30% (for individuals and trusts), which is beneficial for clients with higher marginal tax rates. Beneficiary nomination allows proceeds to pass directly to nominated beneficiaries, outside the estate administration process. The five-year restriction period applies, and investors can access a wide range of international funds and ETFs.

Ideal for:

  • Offshore estate planning
  • Clients with long‑term global investment horizons
  • Structuring tax‑aware international wealth
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