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Transforming the investment landscape

OUR INVESTMENT PLATFORM

THE BENEFITS OF USING OUR PLATFORM

Our investment platform is simple, transparent and easy-to-use with seamless client onboarding and straight-through processing. We package, distribute and administer a wide range of investment portfolios including offshore funds.

As a wealth manager, investing via a single platform simplifies your business processes by providing a sophisticated and consolidated administration service for your clients’ investments

Fully digital

Simple client onboarding and seamless straight-through processing means you can go from completing a quick quote to having a client’s money in the market in just under a day without printing a page.

Real time

Stay on top of your client’s journey 24/7 in real time on any device with our activity-tracking tool. Complete account top-ups in less than 90 seconds.

Future proof

We ensure we are up-to-date with all regulations, offer clean-class funds and an open fund architecture, and have built our fee structure with simplicity in mind so that you are compliant from day one.

Truly Offshore

Domiciled in Jersey, our unique offshore solution can add real value to your practice and to your clients’ portfolios. Click through to learn more.

Model portfolios

Manage your model portfolios on our platform easily via a fully digital model portfolio solution. Discretionary managers can easily set up and rebalance their model portfolios, and can perform bulk switches or client specific rebalances where required.

Dynamic reporting

The key client and adviser reports you need are available to you online. An easy-to-use dashboard helps you to manage important events during the lifecycle of your clients’ investments.

Collaboration

We collaborate with you, the adviser, to understand what you need and deliver what is most important to you.

Personalised Service

With a dedicated BDM and key account manager for advisers, we prioritise maintaining a strong relationship with you and your office. Our service team is committed to responsive delivery, collaborative problem-solving, and first-time resolution.

smart design

our investment platform is simple and transparent

Simple digital journeys means our platform is innate to the way wealth managers do business. 

Our end-to-end investment platform solution integrates systems such as a powerful client registry and transactional engine, automated cash and unit reconciliation, integrated risk management, regulation 28 monitoring, digital investment proposals, bank account validation, market-leading research tools and a contextual digital guide.

What we offer

We provide pre- and post-retirement solutions, discretionary investment and tax-free savings products, and tax efficiency and estate planning via endowment wrappers:

Start an investment

An investment account is ideal for saving towards a medium- to long-term goal.

It caters for a wide range of client investment needs ranging from income generation, capital protection, capital growth, and goal-based savings, amongst others.

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A tax free savings account is a tax efficient way to save for a long-term goal.

It is suitable for someone who wishes to save and protect their investment returns from tax. It is a popular option for individual investors and parents wishing to save for their children.

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An offshore investment account allows you to diversify your assets by gaining exposure to more than one international currency.

It offers access to a broad range of clean-priced unit trusts and ETFs across a number of international currencies. It is simple to open and provides estate planning via joint ownership and consolidated reporting.

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Save for retirement

A retirement annuity is a tax efficient way to save for retirement.

It is ideal for anyone who wishes to save towards their retirement, and is a suitable option for those who are self-employed, are irregular earners or who want to put away additional retirement savings in addition to any contributions to an employer pension or provident fund.

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A preservation fund is a tax efficient investment designed for individuals who wish to preserve their retirement savings from their employer’s pension or provident fund.

The fund is suitable for anyone who has left their employer and would like to save and grow their existing retirement savings.

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Earn RETIREMENT Income

A living annuity provides you with a regular income from your retirement savings.

You have the flexibility to choose and adjust your level of income (within the legal limits) and the frequency at which you receive income payments according to your changing needs. This product may be suitable for you if you are looking to leave money to nominated beneficiaries should you pass away.

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Plan your estate

An endowment policy helps save in a tax efficient way for a medium- to long-term goal.

It’s useful for estate planning purposes as beneficiaries are able to receive the money from the investment immediately upon the death of the nominated life assured’s, and there are no executors’ fees payable.

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A long-term insurance policy for legal entity clients.

It has similar features, benefits and restrictions to that of an endowment policy but there is no life assured.

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Product cash account

One of the first of its kind in South Africa.

Each investment is allocated its own cash account.

As a cash management tool, the PCA holds 2% of the investment account balance and allows for easy fee and withdrawals payments and reconciliation for advisers.

Clean-Priced Funds and ETFs

We offer clean priced funds on an open architecture basis. Our core fund range is designed to help you make confident investment decisions.

Click below to view:

Local Fund List Local Core Funds

Offshore Fund List Offshore Core Funds

our pricing structure

Platform administration fee

We have a simple, transparent and competitive pricing structure. 

When calculating local platform fees, we aggregate all client assets and accounts, including any offshore investments.

Local fee

  • First R2 million 0.55%
  • Next R2 million 0.23%
  • Above R4 million 0.12%

The above are inclusive of VAT (where applicable) and subject to a minimum annual fee of R276.

Offshore fee

  • First US$350 000 0.50%
  • Next US$650 000 0.25%
  • Above US$1 million 0.15%

Being truly offshore domiciled, platform administration fees do not attract VAT.  A monthly minimum fee of US$10 applies.

Contact Us

Are you a Wealth Manager of the future?

If you have a digital-first mindset and provide holistic and goals-based financial advice, you are a wealth manager of the future, a wealth manager we would like to partner with in changing the way investments are done in South Africa.

INVESTMENT ACCOUNT

An investment account is ideal for saving towards a medium to long-term goal.

You may contribute once-off lump sums, regular monthly debit orders or a combination of the two. Income and realised capital gains arising on your investment account are taxable in your hands.  We will issue tax certificates each year.
The value of your regular monthly contributions can be increased by a chosen percentage each year. You can stop and start your regular contributions at any time. No minimum investment amount or period applies.
Withdrawals can be made at any time. You can withdraw some, or all of your investment. You can also setup a regular payment back to your bank account. Ownership of your investment account can be transferred. The transfer will be subject to CGT, unless it is a transfer between spouses.
View investment account FAQs For more detail, read our investment account T&Cs

TAX FREE SAVINGS ACCOUNT

A tax free savings account (TFSA) is a tax-efficient way to save for a long-term savings goal.

Contributions can be made by once-off lump sum or regular monthly contributions. You can have more than one TFSA in your name, although it is not recommended as the penalties for over-contribution (even accidental) are onerous.
Contributions to all of your tax free savings accounts are limited to R33 000 per year (i.e. R2 750 per month) and a lifetime contribution limit of R500 000. You can save for as long as you want. There is no minimum or maximum investment period.
Withdrawals do not ‘restore’ your annual or lifetime allowances. E.g. if you contribute R33 000 in June and withdraw it all in January, you may not contribute any more for that tax year and your lifetime contribution limit will have been permanently reduced by R33 000. Clients do not pay tax on capital gains, interest and dividends. Withdrawals can be made at any time and are tax free.
View TFSA FAQs For more detail, read our TFSA T&Cs

OFFSHORE INVESTMENT ACCOUNT

AN OFFSHORE INVESTMENT ACCOUNT ALLOWS YOU TO DIVERSIFY YOUR ASSETS BY GAINING EXPOSURE TO MORE THAN ONE INTERNATIONAL CURRENCY.

Choice of six international currencies: United States Dollar, British Pound, Hong Kong Dollar, Australian Dollar, Swiss Franc and Euro. The joint account feature allows for the investment account to be jointly owned by two or more individuals (maximum four).
There is no minimum investment amount or term. You can contribute as much as you like for as long as you like. Where there are joint holders, upon the death of one of the holders, the process to obtain Jersey Grant of Probate (JGOP) is not required.
There are no limitations on the number and value of withdrawals which may be taken. We do not impose any penalties when you want to make a partial or full withdrawal. We provide you with the necessary tax information. Realised capital gains and losses are reported in Rands making your SARS eFiling easy.
View Offshore Investment Account FAQs

RETIREMENT ANNUITY

A retirement annuity is a tax-efficient way to save for retirement.

Contribute a once-off lump sum or setup a regular monthly contribution or a combination of the two. You may also transfer units from another retirement annuity. Your retirement savings are protected from creditors and free from estate duty and executor fees if you pass away.
You are not allowed to withdraw from your investment until you reach the minimum retirement age of 55 years. There is no compulsory retirement age. Except in the cases of early retirement due to ill-health or disability, no early withdrawals are allowed.
At retirement, you may withdraw up to one third of your account in cash.
At least two thirds of your account must be used to purchase an income during your retirement.
Your investment returns are exempt from tax. At retirement, any withdrawals are taxed according to the SARS retirement tax table.
View Retirement Annuity FAQs For more detail, read our retirement annuity T&Cs

PRESERVATION FUNDS

A preservation fund is a tax-efficient investment used to preserve retirement savings.

You may transfer your retirement savings into a preservation fund from other eligible pension or provident funds. However, you may not deposit cash or use a recurring debit order to add money into your preservation fund. Income tax will be deducted from any withdrawal or retirement benefit taken in cash before it is paid out to you according to the applicable SARS retirement tax table. Your investment returns are exempt from tax.
You must remain invested until you are at least 55 years old. There is no compulsory retirement age. Your retirement savings are protected from creditors and free from estate duty and executor fees if you pass away.
You are allowed to withdraw once from this investment before retirement, and you may select a partial or full withdrawal. When retiring from a provident preservation fund you may withdraw up to 100% as a cash lump sum, when retiring from a pension preservation fund you may only take up to one third of your account in cash.
View preservation fund FAQs For more detail, read our preservation fund T&Cs

 

LIVING ANNUITY

A living annuity provides a regular income from retirement savings.

You can choose how often you receive your income, and can select from a monthly, quarterly, bi-annual or annual payment. Changes may be made once a year in the anniversary month of the start date of your living annuity. You may not withdraw from your living annuity in addition to your annuity income unless the value of the policy is below the legislated minimum amount.
You decide in advance how much income you require during the year, but you must remain within the legal limits, currently between 2.5% and 17.5% of your investment value. You may nominate beneficiaries to receive any money left in your living annuity when you pass away.
You may add to your living annuity from any existing, qualifying retirement savings. This product may not be suitable for retirees who require a guaranteed income for life.
View living Annuity FAQs For more detail, read our Living Annuity T&Cs

ENDOWMENT

An endowment policy saves in a tax-efficient way for a medium to long-term goal.

A tax-efficient savings product for individual taxpayers with marginal tax rates in excess of 30% and/or for those wishing to provide for payments to their beneficiaries in a structured manner in the future. You may make one withdrawal during the first five years.
You have the option to make regular monthly contributions and add lump sum contributions at any time, within the legislated limits. Income and capital gains are taxed inside the product at prescribed rates and there is no need for you to submit additional information in your tax return.
You may appoint beneficiaries on this policy to receive any death benefits from the policy upon your death, or the death of the last life assured listed on the policy. If you change your mind and decide to cancel, you may do so within a 31-day period. We will refund you the market value in your policy, less any applicable charges.
View Endowment FAQs For more detail, read our endowment T&Cs

SINKING FUND

A sinking fund policy helps you plan and save in a tax efficient way.

The policy has no fixed termination date and will not end due to a life event like death. You may make one withdrawal during the first five years.
You have the option to make regular monthly contributions and add lump sum contributions at any time, within the legislated limits. Income and capital gains are taxed inside the product at prescribed rates and there is no need for you to submit additional information in your tax return.
By appointing a beneficiary of ownership, one avoids paying executors’ fees upon the death of the policyholder. If you change your mind and decide to cancel, you may do so within a 31-day period. We will refund you the market value in your policy, less any applicable charges.
View Sinking Fund FAQs For more detail read our sinking fund T&Cs