Growth

Financial products designed to grow your wealth through sustainable investing practices.

Security

Financial products designed to provide financial security during your retirement years.

Protection

Financial products designed to protect your wealth against events that put it at risk.

GROWTH

ENDOWMENTS

An endowment is an investment plan that allows you to create wealth tax-efficiently.

ENDOWMENTS

INTRODUCTION

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Benefits

TAX

Unit Trusts give you access to the stock exchange without specialist knowledge.​

PROtection

The entire value will be protected against creditors.

Exposure

One advance and one surrender allowed during the first 5 years.

Withdrawl

Unit trusts offer you flexibility in terms of how you want to invest.​

FACTORS

TERM

The amount of time the money would need to be invested for.

Advisor notes

Fixed Term with a minimum 5 years.

Risk

This is your risk appetite which we determine through a risk analysis questionaire.

Advisor notes

Dependant on the individual's risk appetite.

LIQUIDITY

Liquidity refers to the speed at which the funds can be be made accessible for use at little to no cost.

Advisor notes

No access to money in first contract year.

TAX

This refers to the amount of tax you will incur on the growth of your investment.

Advisor notes

Taxed within the fund.

Tax-free after 5 years.

Inflation

Because inflation is linked to the cost of living, your investment growth needs to exceed inflation.

Advisor notes

Returns will exceed inflation if growth exceeds inflation.

Technical details

WHO BENEFITS FROM ENDOWMENTS?

An endowment benefits investors who have a marginal tax-rate greater than 30%. It allows you to nominate a beneficiary which means potential savings on executor’s fees.

What are the Term Requirements?

There is a minimum policy term of 5 years and a maximum policy term to retirement. Guarantee options available at each 5 year anniversary, this means you have the option to guarantee your capital investment.

Book AN appointment

Fable Wealth - Sheldon Botes - Financial Advisor

Sheldon M. Botes

Financial Advisor at Fable Wealth (Pty) Ltd.

Appointments

All initial consultations are free of charge.

Qualifications

Bcomm (Economics)
University of KwaZulu-Natal

Bcomm Hons (Management)
Independant Institute of Education

PGD Financial Planning
University of the Free State

RE1 & RE5
Regulatory Exam

Contact details

Phone:
+27 72 374 6867

Email:
sheldon@smbfinance.co.za

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