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
TAX-FREE SAVINGS
INTRODUCTION
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Benefits
TAX
Don’t pay tax on your investment returns.
selection
Choose from a wide range of portfolios.
EASY
Easy to invest and easy to withdraw.
AFFORDABLE
Relatively low platform and advice fees.
FACTORS
TERM
The amount of time the money would need to be invested for.
Advisor notes
No Fixed Term.
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
Easily accessible but no option to repay capital amount.
TAX
This refers to the amount of tax you will incur on the growth of your investment.
Advisor notes
Tax-free except at death when estate-duty applies.
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
What is the downside to this investment vehicle?
A tax-free unit trust works much like a standard unit trust. The only difference is that you don’t pay tax on your returns. The ‘catch’ on this type of investment is, you can only invest R36 000 per year and a maximum of R500 000 over your lifetime.
What are the Term Requirements?
There is no minimum term however a long-term investment term is recommended in order to take full advantage of tax-free benefits.
Book AN appointment
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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