Investment Planning

Investment Planning focuses on identifying effective investment strategies according to an investor’s risk appetite and financial goals. There is a wide variety of investment options, including shares, bonds, mutual funds, bank deposits, real estate and futures and options. Through investment planning, one can identify the most appropriate portfolio mix. Benefits of Investment Planning: Investment planning helps you: Generate income and/or capital gains Enhance future wealth Strengthen your investment portfolio Save…

Employee Benefits

Employee benefits are about providing the right financial products and services to the most important people in your business: your employees.  Offering retirement and risk benefits (such as death, disability and funeral cover) to employees is also considered a valuable tool in retaining staff for the long term.  A comprehensive range of insured benefits are available to employers and their employees. These group risk schemes may be associated with a retirement…

Retirement Planning

The primary long-term goal for any personal investment plan is planning for retirement – investing excess income now to provide for a secure and comfortable lifestyle when we no longer can work, or, even better, when we no longer wish to work! Today, with higher career volatility, corporate trends towards outsourcing and pension funds changing from defines benefit to defined contribution, the risk and responsibility for providing for retirement has…

Estate Palnning

Estate planning essentially involves structuring your personal financial affairs in such a way that, upon you death: Estate duty (“death taxes”) are minimized There is liquidity to meet the estate’s financial obligations Inheritances are sufficiently protected for heirs  A common misconception about estate planning is that it revolves solely around life assurance policies. This is incorrect as, although life policies are often taken into account, comprehensive planning involves the structuring…